What are the current interest rates at Transit Operations Federal Credit Union?

Current rates for Transit Operations Federal Credit Union include: Savings: 0.10%

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Transit Operations Federal Credit Union

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Transit Operations Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Transit Operations Federal 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 and Verified: October 9, 2026

Transit Operations Federal Credit Union's top rates as of October 9, 2026 are 0.10% APY on savings, 0.10% APY on checking, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Transit Operations Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.42%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.42%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Transit Operations Federal Credit Union
MAIN

725 N 7TH ST
MINNEAPOLIS, MN 55411

https://tofcu.org/

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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.

Transit Operations Federal Credit Union Savings Rates

Product	Rate	APY
Shares (Savings)	-	0.10%
Min Deposit $35 Min Balance $35 Details Minimum balance to open and maintain is $35.0. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Vacation and Christmas Clubs	-	0.10%
Min Deposit $5 Min Balance $5 Details Minimum balance to open and maintain is $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

Transit Operations Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft (free Checking)	-	0.10%
Min Deposit $20 Min Balance $1,000 Details Minimum balance to open $20. No minimum balance to maintain. The average balance to earn dividends for the month is $1000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

Transit Operations Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicle Loans	-	-	5.25%
Details As Low As; includes cars, trucks and motorcycles model year 2012 and newer Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Older Vehicle Loans	-	-	6.75%
Details As Low As; includes cars, trucks and motorcycles model year 2011 and older Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

Transit Operations Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Recreational Vehicles Loan	-	8.50%
Details As Low As; Newly titled. Untitled RV add 1% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Used Recreational Vehicles Loan	-	9.00%
Details As Low As; untitled vehicles add 1% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

Transit Operations Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	10.00%
Details As Low As; Maximum without collateral is $5000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

Transit Operations Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	13.50%
Details overdraft protection for your checking Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%
Payday Loans	-	-	28.00%	6 month repayment
Details $20 application fee; up to $1000, no rollovers Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 28.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.42%

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.

Financial Health History

Transit Operations Federal Credit Union’s Texas Ratio stayed near 6.44% in Q3 2023 to 6.42% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$4M	6.42%	5.0	A
March 31, 2026	$4M	6.56%	5.0	A
December 31, 2025	$4M	11.14%	5.0	A
September 30, 2025	$4M	14.25%	5.0	A-
June 30, 2025	$4M	15.42%	5.0	A-
March 31, 2025	$4M	11.52%	5.0	A
December 31, 2024	$4M	11.73%	5.0	A
September 30, 2024	$4M	12.56%	5.0	A
June 30, 2024	$4M	8.11%	5.0	A
March 31, 2024	$4M	11.56%	5.0	A
December 31, 2023	$4M	18.19%	4.7	B+
September 30, 2023	$4M	6.44%	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 Transit Operations 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 Transit Operations 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 Transit Operations Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Transit Operations Federal Credit Union

Website https://tofcu.org/

Address 725 N 7TH ST, MINNEAPOLIS, MN 55411

Phone 612-338-9985

Fax

President Traci Williamson

CEO JoAnn Schultz

Full-Time Employees 1

Part-Time Employees 0

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.42%

Return on Assets (ROA)

-0.1552%

Return on Equity (ROE)

-0.9457%

Non-Performing Loans Ratio (NPL)

4.10%

Total Assets

4,121,116

Total Amount of Shares and Deposits

3,440,588

Total Shares and Deposits < 1 Year

3,405,588

Total Shares and Deposits 1 3 Years

35,000

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

3,440,588

Total Interest Expense (Sum of items 6 8)

5,485

Share Certificates

Number of Accounts for Share Drafts

209

IRA KEOGH Accounts

Number of Accounts for Regular Shares

769

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

-8,533

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)

924,932

Total Liabilities

3,444,868

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Transit Operations 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.

<a href="https://monitorbankrates.com/credit-unions/transit-operations-federal-credit-union-rates-review-24539">
  <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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Frequently Asked Questions About Transit Operations Federal Credit Union

How many branches does Transit Operations Federal Credit Union operate?

Transit Operations 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 Transit Operations Federal Credit Union?

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

Does Transit Operations Federal Credit Union offer online and mobile banking?

Most modern institutions like Transit Operations 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://tofcu.org/.