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Tompkins Employees Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Tompkins Employees Federal Credit Union's top rate as of October 13, 2026 is personal loans from 7.99% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Tompkins Employees Federal Credit Union with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.74%. Rates last updated and verified on 10/13/2026.
Tompkins Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tompkins Employees Federal Credit Union? Share your experience about Tompkins Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tompkins Employees Federal Credit Union.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 90/100
Overall Health & Safety Grade
Tompkins Employees Federal Credit Union has earned an overall safety grade of A- (Very Good, Score: 90/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Tompkins Employees Federal Credit Union has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
16.74%
GoodHigher than avg
Tompkins Employees Federal Credit Union Texas Ratio
Tompkins Employees Federal Credit Union's Texas Ratio is 16.74%, which is considered good and is higher than the national average of 6.13%.
While Tompkins Employees Federal Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Tompkins Employees Federal Credit Union Health Trend
2.13% to 16.74% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.9, Health Grade A+ to A-
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Tompkins Employees Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Automobile Loans (models 2022-2026) - Up to 36 Months
-
-
6.00%
Up to 36 Months
DetailsCredit Grade: A Plus (730 Plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 37-48 Months
-
-
6.25%
37-48 months
DetailsCredit Grade: A Plus (730 Plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - Up to 36 Months
-
-
6.50%
Up to 36 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 37-48 Months
-
-
6.75%
37-48 months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 60 Months
-
-
6.75%
60 Months
DetailsCredit Grade: A Plus (730 Plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 37-48 Months
-
-
7.00%
37-48 months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - Up to 36 Months
-
-
7.00%
Up to 36 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 60 Months
-
-
7.25%
60 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - Up to 36 Months
-
-
7.50%
Up to 36 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 37-48 Months
-
-
7.50%
37-48 months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 60 Months
-
-
7.50%
60 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 37-48 Months
-
-
7.75%
37-48 months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 72 Months
-
-
7.75%
72 Months
DetailsCredit Grade: A Plus (730 Plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 60 Months
-
-
8.00%
60 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - Up to 36 Months
-
-
8.00%
Up to 36 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 60 Months
-
-
8.25%
60 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 72 Months
-
-
8.25%
72 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 84 Months
-
-
8.50%
84 Months
DetailsCredit Grade: A Plus (730 Plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 37-48 Months
-
-
8.50%
37-48 months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 72 Months
-
-
8.50%
72 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 84 Months
-
-
8.75%
84 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 84 Months
-
-
9.00%
84 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 60 Months
-
-
9.00%
60 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 72 Months
-
-
9.00%
72 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 72 Months
-
-
9.25%
72 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 84 Months
-
-
9.25%
84 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - Up to 36 Months
-
-
9.50%
Up to 36 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 37-48 Months
-
-
9.75%
37-48 months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 84 Months
-
-
10.00%
84 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 72 Months
-
-
10.00%
72 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - Up to 36 Months
-
-
10.00%
Up to 36 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 60 Months
-
-
10.25%
60 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 84 Months
-
-
10.25%
84 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 37-48 Months
-
-
10.50%
37-48 months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 60 Months
-
-
11.00%
60 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 72 Months
-
-
11.25%
72 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 84 Months
-
-
12.00%
84 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 72 Months
-
-
12.00%
72 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 84 Months
-
-
12.25%
84 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - Up to 36 Months
-
-
12.50%
Up to 36 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 37-48 Months
-
-
12.75%
37-48 months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - Up to 36 Months
-
-
13.00%
Up to 36 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 60 Months
-
-
13.25%
60 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 37-48 Months
-
-
13.50%
37-48 months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 60 Months
-
-
14.00%
60 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 14.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 72 Months
-
-
14.25%
72 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 14.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 84 Months
-
-
15.00%
84 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 72 Months
-
-
15.00%
72 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 84 Months
-
-
15.25%
84 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - Up to 36 Months
-
-
15.50%
Up to 36 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 37-48 Months
-
-
15.75%
37-48 months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.75% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - Up to 36 Months
-
-
16.00%
Up to 36 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 60 Months
-
-
16.25%
60 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 37-48 Months
-
-
16.50%
37-48 months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.50% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 60 Months
-
-
17.00%
60 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 72 Months
-
-
17.25%
72 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.25% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
New Automobile Loans (models 2022-2026) - 84 Months
-
-
17.99%
84 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 72 Months
-
-
17.99%
72 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Used Automobile Loans (models 2017-2021) - 84 Months
-
-
17.99%
84 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Tompkins Employees Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Loans - Recreational Titled - 12 to 48 Months
Tompkins Employees Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature - 12 Months Loan
7.99%
12 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 24 Months Loan
8.99%
24 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 12 Months Loan
9.99%
12 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 36 Months Loan
9.99%
36 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 24 Months Loan
10.99%
24 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 48 Months Loan
10.99%
48 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 12 Months Loan
11.99%
12 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 36 Months Loan
11.99%
36 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 60 Months Loan
11.99%
60 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 24 Months Loan
12.99%
24 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 48 Months Loan
12.99%
48 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 72 Months Loan
12.99%
72 Months
DetailsCredit Grade: A Plus (730 plus)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 12 Months Loan
13.99%
12 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 36 Months Loan
13.99%
36 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 60 Months Loan
13.99%
60 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 24 Months Loan
14.99%
24 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 14.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 48 Months Loan
14.99%
48 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 14.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 72 Months Loan
14.99%
72 Months
DetailsCredit Grade: A (680-729)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 14.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 12 Months Loan
15.99%
12 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 36 Months Loan
15.99%
36 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 60 Months Loan
15.99%
60 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 24 Months Loan
16.99%
24 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 48 Months Loan
16.99%
48 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 72 Months Loan
16.99%
72 Months
DetailsCredit Grade: B (640-679)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 12 Months Loan
17.99%
12 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 24 Months Loan
17.99%
24 Months
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 36 Months Loan
17.99%
36 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 48 Months Loan
17.99%
48 Months
DetailsCredit Grade: D (550-599)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Signature - 60 Months Loan
17.99%
60 Months
DetailsCredit Grade: C (600-639)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.99% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Tompkins Employees Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Equity Adjustments (LTV less than or equal to 75.99%) - SUBTRACT Loan
-
-
2.00%
DetailsCredit Grade: E (Below 549)
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 2.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Pay Day Loans
-
-
24.00%
Max 6 months
DetailsUp to $1,000.00
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 24.00% APR · checked 2 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.74%
Financial Health History
Tompkins Employees Federal Credit Union’s Texas Ratio rose from 2.13% in Q3 2023 to 16.74% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$12M
16.74%
4.9
A-
March 31, 2026
$13M
22.37%
4.4
B-
December 31, 2025
$12M
5.31%
5.0
A+
September 30, 2025
$12M
3.56%
5.0
A+
June 30, 2025
$12M
1.96%
5.0
A+
March 31, 2025
$12M
1.10%
5.0
A+
December 31, 2024
$12M
1.81%
5.0
A+
September 30, 2024
$12M
1.12%
5.0
A+
June 30, 2024
$11M
1.29%
5.0
A+
March 31, 2024
$11M
0.71%
5.0
A+
December 31, 2023
$11M
2.04%
5.0
A+
September 30, 2023
$12M
2.13%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Tompkins Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Tompkins Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Tompkins Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameTompkins Employees Federal Credit Union
Address
202 Taughannock Blvd Ste 1B,
Ithaca, NY 14850-3345
Phone607-272-8567
Fax607-273-0941
PresidentErika Rose
CEOKimberly Payne
Full-Time Employees4
Part-Time Employees0
Branch Locations1
ATM Locations0
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (90/100)
Texas Ratio
16.74%
Return on Assets (ROA)
0.3208%
Return on Equity (ROE)
3.1424%
Non-Performing Loans Ratio (NPL)
5.70%
Total Assets
12,093,455
Total Amount of Shares and Deposits
10,818,530
Total Shares and Deposits < 1 Year
10,818,530
Total Insured Shares and Deposits > $250K (item 17 less item K)
10,818,530
Total Interest Expense (Sum of items 6 8)
590
Share Certificates
34
Number of Accounts for Share Drafts
505
Number of Accounts for Regular Shares
1,005
All other shares
19
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,094,283
Total Liabilities
10,858,871
Source: NCUA — Last Updated 06/30/2026
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Tompkins Employees Federal Credit Union
How many branches does Tompkins Employees Federal Credit Union operate?
Tompkins Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Tompkins Employees Federal Credit Union?
Yes, to access services at Tompkins Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Tompkins Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Tompkins Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Tompkins Employees Federal Credit Union offer online and mobile banking?
Most modern institutions like Tompkins Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tefcu.com.
Brian McKay
