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Town & Country Credit Union

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Town & Country Credit Union Rates & Review April 2026

Q: Is a member application needed to join Town & Country Credit Union?

Yes, to access services at Town & Country 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Town & Country Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Town & Country Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.88%, 6-month share certificate rates at 4.00% and 3-month share certificate rates at 1.41%. Savings rates are at 0.05% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Town & Country Credit Union rates. MonitorBankRates evaluates the financial stability of Town & Country Credit Union with a 4.4 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 7.49%. Rates were last updated on 04/23/2026.

Town & Country 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 Town & Country Credit Union? Share your experience about Town & Country Credit Union by leaving a review below, or read customer reviews before you decide to use Town & Country Credit Union.

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

7.49%

Excellent Higher than avg

Town & Country Credit Union
Town and Country

1414 Chatburn Ave
Harlan, IA 51537

https://www.towncountrycu.com

Current Rate Availability

We do not have Town & Country Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Town & Country 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 Town & Country 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 Town & Country Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Town & Country Credit Union

Website https://www.towncountrycu.com

Address 1414 Chatburn Ave, Harlan, IA 51537

Phone 712-755-3881

Fax 712-755-5536

President Richard Hastert

CEO Gervas Mgonja

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.4 / 5.0 ★

Overall Health & Safety Grade

A- (90/100)

Texas Ratio

7.49%

Return on Assets (ROA)

-0.0961%

Return on Equity (ROE)

-1.5004%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

36,340,874

Total Amount of Shares and Deposits

33,409,719

Total Shares and Deposits < 1 Year

33,136,108

Total Shares and Deposits 1 3 Years

262,294

Total Shares and Deposits > 3 Years

11,317

Total Insured Shares and Deposits > $250K (item 17 less item K)

33,409,719

Total Interest Expense (Sum of items 6 8)

203,932

Share Certificates

340

Number of Accounts for Share Drafts

1,393

Number of Accounts for Regular Shares

3,322

All other shares

170

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-287,800

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,900,906

Total Liabilities

34,013,961

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About Town & Country Credit Union

Is Town & Country Credit Union a safe place to deposit money?

Yes, Town & Country Credit Union is considered a safe financial institution. With a Texas Ratio of 7.4910407050027%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Town & Country Credit Union operate?

Town & Country 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 Town & Country Credit Union?

Yes, to access services at Town & Country 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, Town & Country 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, Town & Country Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Town & Country Credit Union offer online and mobile banking?

Most modern institutions like Town & Country 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.towncountrycu.com.