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Town & Country Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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 12, 2026

Town & Country Federal Credit Union's top rates as of October 12, 2026 are 3.82% APY on its CD - 12 Month SPECIAL, 0.10% APY on savings, 3.04% APY on money market accounts, 4.07% APY on checking, personal loans from 10.74% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other Town & Country Federal Credit Union CD rates include CD - 18 Month SPECIAL at 3.82%, CD - 24 Month SPECIAL at 3.82%, and IRA CD - 12 Month SPECIAL at 3.82%. MonitorBankRates evaluates the financial stability of Town & Country Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.00%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.00%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Town & Country Federal Credit Union
Scarborough Operations Center
32 Little Dolphin Drive
Scarborough, ME 04074
https://www.tcfcu.com
Member NCUA
Customer Reviews
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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.

Town & Country Federal Credit Union CD Rates

Product Rate APY Term View More
Certificate - 12 Month SPECIAL 3.75% 3.82% 12 Month
Min Deposit $500
Details Special rate; Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 18 Month SPECIAL 3.75% 3.82% 18 Month
Min Deposit $500
Details Special rate; Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 24 Month SPECIAL 3.75% 3.82% 24 Month
Min Deposit $500
Details Special rate; Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 12 Month SPECIAL 3.75% 3.82% 12 Month
Min Deposit $500
Details SPECIAL; Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 18 Month SPECIAL 3.75% 3.82% 18 Month
Min Deposit $500
Details SPECIAL; Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 24 Month SPECIAL 3.75% 3.82% 24 Month
Min Deposit $500
Details SPECIAL; Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 20, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 6 Month 3.00% 3.04% 6 Month
Min Deposit $500
Details Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 12, 2026: 3.04% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 6 Month 3.00% 3.04% 6 Month
Min Deposit $500
Details Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 12, 2026: 3.04% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 60 Month 2.75% 2.78% 60 Month
Min Deposit $500
Details Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 12, 2026: 2.78% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 60 Month 2.75% 2.78% 60 Month
Min Deposit $500
Details Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 12, 2026: 2.78% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 48 Month 2.70% 2.73% 48 Month
Min Deposit $500
Details Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.73% APY
2.23%2.73%3.23%Oct 12, 2026: 2.73% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 48 Month 2.70% 2.73% 48 Month
Min Deposit $500
Details Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.73% APY · checked 4 times
2.23%2.73%3.23%Sep 12, 2026: 2.73% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 36 Month 2.65% 2.68% 36 Month
Min Deposit $500
Details Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 12, 2026: 2.68% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 36 Month 2.65% 2.68% 36 Month
Min Deposit $500
Details Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.68% APY · checked 4 times
2.18%2.68%3.18%Sep 12, 2026: 2.68% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 30 Month 2.60% 2.63% 30 Month
Min Deposit $500
Details Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 12, 2026: 2.63% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 30 Month 2.60% 2.63% 30 Month
Min Deposit $500
Details Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.63% APY · checked 4 times
2.13%2.63%3.13%Sep 12, 2026: 2.63% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Certificate - 3 Month 1.00% 1.00% 3 Month
Min Deposit $500
Details Penalties may apply for early withdrawal.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
IRA Certificate - 3 Month 1.00% 1.00% 3 Month
Min Deposit $500
Details Penalties may apply for early withdrawal
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Savings Rates

Product Rate APY View More
Club 0.10% 0.10%
Details Dividends Compounded: Quarterly; Dividends Credited: Quarterly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Savings 0.10% 0.10%
Min Deposit $25
Details Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Youth Savings 0.10% 0.10%
Details Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 12, 2026: 0.10% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 3.00% 3.04%
Min Deposit $2,000
Min Balance $250,000
Details Balance: $250,000 +; Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 20, 2026: 3.04% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 2.50% 2.53%
Min Deposit $2,000
Min Balance $100,000
Details Balance: $100,000 - $249,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 20, 2026: 2.53% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 2.25% 2.27%
Min Deposit $2,000
Min Balance $50,000
Details Balance: $50,000 - $99,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 20, 2026: 2.27% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 1.50% 1.51%
Min Deposit $2,000
Min Balance $25,000
Details Balance: $25,000 - $49,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 20, 2026: 1.51% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 1.25% 1.26%
Min Deposit $2,000
Min Balance $10,000
Details Balance: $10,000 - $24,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 20, 2026: 1.26% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Money Market 1.00% 1.01%
Min Deposit $2,000
Min Balance $2,000
Details Balance: $2,000 - $9,999; Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 20, 2026: 1.01% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Checking Rates

Product Rate APY View More
Free Rewards Checking 4.00% 4.07%
Min Deposit $0
Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Domestic ATM fees reimbursed up to $25 when qualifications are met; Dividends compounded and credited monthly
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 0.05% → 4.07% ▲ 4.02 pts · high 4.07% / low 0.05%
0.00%4.05%8.09%Oct 8, 2026: 0.05% APYOct 12, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 0.05%
  • Oct 8, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - Variable Rate - - 6.00% Interest Only
Details As Low As; Variable rate; APR adjusted monthly based on the Wall Street Journal Prime; Max APR is 18%
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 17, 2026: 5.75% APROct 2, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20266.00%▲ from 5.75%
  • Sep 17, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Home Equity - Fixed Rate - - 6.24% 5 Year
Details As Low As; Fixed rate; Max APR is 18%; Payment per $1,000: $19.44
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.24% APR · checked 8 times
5.74%6.24%6.74%Sep 17, 2026: 6.24% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Home Equity - Fixed Rate - - 6.74% 10 Year
Details As Low As; Fixed rate; Max APR is 18%
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.74% APR · checked 8 times
6.24%6.74%7.24%Sep 17, 2026: 6.74% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Home Equity - Fixed Rate - - 6.99% 15 Year
Details As Low As; Fixed rate; Max APR is 18%
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 17, 2026: 6.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Home Equity Line of Credit - Variable Rate - - 7.00%
Details As Low As; Variable rate; APR adjusted monthly based on the Wall Street Journal Prime; Max APR is 18%
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 20, 2026: 6.75% APROct 2, 2026: 7.00% APRSep 20, 2026Oct 13, 2026
  • Oct 2, 20267.00%▲ from 6.75%
  • Sep 20, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle Loans - - 4.24% Up to 48 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 17, 2026: 4.24% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Used Vehicle Loans - - 4.49% Up to 48 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 12, 2026: 4.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
New Vehicle Loans - - 4.74% Up to 63 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 4.74% APR · checked 7 times
4.24%4.74%5.24%Sep 17, 2026: 4.74% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Used Vehicle Loans - - 4.99% Up to 63 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 12, 2026: 4.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
New Vehicle Loans - - 5.24% Up to 75 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Used Vehicle Loans - - 5.49% Up to 75 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
New Vehicle Loans - - 5.74% Up to 84 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 17, 2026: 5.74% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Small Recreational Vehicle Loan - 5.49% Up to 48 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Large Recreational Vehicle Loan - 5.74% Up to 48 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 8 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Small Recreational Vehicle Loan - 5.99% Up to 63 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Large Recreational Vehicle Loan - 6.24% Up to 63 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.24% APR · checked 8 times
5.74%6.24%6.74%Sep 12, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Small Recreational Vehicle Loan - 6.49% Up to 75 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 8 times
5.99%6.49%6.99%Sep 12, 2026: 6.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Large Recreational Vehicle Loan - 6.74% Up to 75 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.74% APR · checked 8 times
6.24%6.74%7.24%Sep 12, 2026: 6.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Small Recreational Vehicle Loan - 7.99% Up to 84 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 12, 2026: 7.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Large Recreational Vehicle Loan - 8.24% Up to 84 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.24% APR · checked 8 times
7.74%8.24%8.74%Sep 12, 2026: 8.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Small Recreational Vehicle Loan - 8.49% Up to 96 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.49% APR · checked 8 times
7.99%8.49%8.99%Sep 12, 2026: 8.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Large Recreational Vehicle Loan - 8.74% Up to 96 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.74% APR · checked 8 times
8.24%8.74%9.24%Sep 12, 2026: 8.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Large Recreational Vehicle Loan - 9.24% Up to 144 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.24% APR · checked 8 times
8.74%9.24%9.74%Sep 12, 2026: 9.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 8.90%
Details Intro/promo APR: 3.90%; As Low As; Introductory rate; Intro rate expires: not stated; Regular APR: 8.90%; Minimum Payment: $25
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.90% APR · checked 8 times
8.40%8.90%9.40%Sep 12, 2026: 8.90% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Visa Rewards Credit Card - 10.90%
Details Intro/promo APR: 3.90%; As Low As; Introductory rate; Intro rate expires: not stated; Regular APR: 10.90%; Minimum Payment: $25
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.90% APR · checked 8 times
10.40%10.90%11.40%Sep 12, 2026: 10.90% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Flex Loan 10.74% Up to 36 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.74% APR · checked 8 times
10.24%10.74%11.24%Sep 12, 2026: 10.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Personal Flex Loan 11.74% Up to 60 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 11.74% APR · checked 8 times
11.24%11.74%12.24%Sep 12, 2026: 11.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Personal Flex Loan 12.74% Up to 84 Months
Details As Low As; Rate reflects .25% discount for relationship pricing
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 12.74% APR · checked 8 times
12.24%12.74%13.24%Sep 12, 2026: 12.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%

Town & Country Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA 0.20% - 0.20%
Details Dividends Compounded: Monthly; Dividends Credited: Monthly
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 12, 2026: 0.20% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.00%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Town & Country Federal Credit Union’s Texas Ratio rose from 2.37% in Q3 2023 to 3.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.1% 2.0★ 2.3% 3.0★ 3.4% 4.0★ 4.5% 5.0★ Healthy zone – entire history below the 15% limit 2.37% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$621M3.00%5.0A+
March 31, 2026$628M1.56%5.0A+
December 31, 2025$624M2.66%5.0A+
September 30, 2025$611M2.96%5.0A+
June 30, 2025$616M2.93%5.0A+
March 31, 2025$607M2.45%5.0A+
December 31, 2024$603M2.87%5.0A+
September 30, 2024$607M3.36%5.0A+
June 30, 2024$599M2.89%5.0A+
March 31, 2024$600M2.35%5.0A+
December 31, 2023$577M2.39%5.0A+
September 30, 2023$552M2.37%5.0A+
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 Town & Country 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 Town & Country 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 Town & Country Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Town & Country Federal Credit Union
Website https://www.tcfcu.com
Address 32 Little Dolphin Drive, Scarborough, ME 04074
Phone 207-773-5656
Fax 207-772-3624
President Jane Torres
CEO David Libby
Full-Time Employees 124
Part-Time Employees 2
Branch Locations 6
ATM Locations 5
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
3.00%
Return on Assets (ROA)
0.1683%
Return on Equity (ROE)
1.9812%
Non-Performing Loans Ratio (NPL)
0.35%
Total Assets
621,202,378
Total Amount of Shares and Deposits
523,877,788
Total Shares and Deposits < 1 Year
504,978,552
Total Shares and Deposits 1 3 Years
16,197,746
Total Shares and Deposits > 3 Years
2,701,490
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,027,962
Total Uninsured Shares and Deposits > $250K (F+J)
26,027,962
Total Insured Shares and Deposits > $250K (item 17 less item K)
497,849,826
Total Interest Expense (Sum of items 6 8)
4,919,402
Share Certificates
3,673
Number of Accounts for Share Drafts
32,731
IRA KEOGH Accounts
1,614
Number of Accounts for Regular Shares
65,970
All other shares
1,271
Money Market Shares
1,360
Net Income (unless the amount is already included in Undivided Earnings)
1,045,377
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)
13,243,371
Total Liabilities
577,332,151
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Town & Country Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Town & Country Federal Credit Union

How many branches does Town & Country Federal Credit Union operate?

Town & Country 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 Town & Country Federal Credit Union?

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

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

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

Current Town & Country Federal Credit Union Rates

  • 12-Month CD3.82%
  • 18-Month CD3.82%
  • 24-Month CD3.82%
  • 60-Month CD2.78%
  • Savings0.10%
  • MMA3.04%
Retrieved from our database of financial products. Rates subject to change.

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