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Tri County Area Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| 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

Tri County Area Federal Credit Union's top rates as of October 12, 2026 are 3.98% APY on its 48 Month CD, 2.00% APY on savings, 1.60% APY on money market accounts, 5.00% APY on checking, personal loans from 8.75% APR, and credit cards from 11.65% APR, according to rates verified by MonitorBankRates. Other Tri County Area Federal Credit Union CD rates include 60 Month CD at 3.98%, Regular & IRA CDs - 48 month at 3.98%, and Regular & IRA CDs - 60 month at 3.98%. MonitorBankRates evaluates the financial stability of Tri County Area Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.24%. Rates last updated and verified on 10/12/2026.

Tri County Area 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 Tri County Area Federal Credit Union? Share your experience about Tri County Area Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tri County Area 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
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.24%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Tri County Area Federal Credit Union
1550 Medical Dr
1550 Medical Dr
Pottstown, PA 19464-3225
https://www.tcafcu.org
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.

Tri County Area Federal Credit Union CD Rates

Product Rate APY Term View More
48 Month Certificate 3.90% 3.98% 48 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 12, 2026: 3.98% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
60 Month Certificate 3.90% 3.98% 60 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 12, 2026: 3.98% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 48 month 3.90% 3.98% 48 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 60 month 3.90% 3.98% 60 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 12, 2026: 3.98% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
36 Month Certificate 3.85% 3.92% 36 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 12, 2026: 3.92% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
48 Month Certificate 3.85% 3.92% 48 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 12, 2026: 3.92% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
60 Month Certificate 3.85% 3.92% 60 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Sep 12, 2026: 3.92% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 36 month 3.85% 3.92% 36 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 48 month 3.85% 3.92% 48 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 60 month 3.85% 3.92% 60 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 12, 2026: 3.92% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
24 Month Certificate 3.80% 3.87% 24 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
30 Month Certificate 3.80% 3.87% 30 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
36 Month Certificate 3.80% 3.87% 36 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
48 Month Certificate 3.80% 3.87% 48 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
60 Month Certificate 3.80% 3.87% 60 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 24 month 3.80% 3.87% 24 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 30 month 3.80% 3.87% 30 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 36 month 3.80% 3.87% 36 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 48 month 3.80% 3.87% 48 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 60 month 3.80% 3.87% 60 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
12 Month Certificate 3.75% 3.82% 12 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
18 Month Certificate 3.75% 3.82% 18 Months
Min Balance $75,000
Details Minimum Balance: $75,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
24 Month Certificate 3.75% 3.82% 24 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
30 Month Certificate 3.75% 3.82% 30 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
36 Month Certificate 3.75% 3.82% 36 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 12, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 12 month 3.75% 3.82% 12 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
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: 7.24%
Regular & IRA Certificates - 18 month 3.75% 3.82% 18 Months
Min Balance $75,000
Details Higher rate for balances over $75,000; Dividends paid monthly; Add-on option available
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: 7.24%
Regular & IRA Certificates - 24 month 3.75% 3.82% 24 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
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: 7.24%
Regular & IRA Certificates - 30 month 3.75% 3.82% 30 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
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: 7.24%
Regular & IRA Certificates - 36 month 3.75% 3.82% 36 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
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: 7.24%
12 Month Certificate 3.70% 3.77% 12 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Sep 12, 2026: 3.77% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
18 Month Certificate 3.70% 3.77% 18 Months
Min Balance $50,000
Details Minimum Balance: $50,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Sep 12, 2026: 3.77% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
24 Month Certificate 3.70% 3.77% 24 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Sep 12, 2026: 3.77% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
30 Month Certificate 3.70% 3.77% 30 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.77% APY · checked 3 times
3.27%3.77%4.27%Sep 12, 2026: 3.77% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 12 month 3.70% 3.77% 12 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.77% APY
3.27%3.77%4.27%Oct 12, 2026: 3.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 18 month 3.70% 3.77% 18 Months
Min Balance $50,000
Details Higher rate for balances over $50,000; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.77% APY
3.27%3.77%4.27%Oct 12, 2026: 3.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 24 month 3.70% 3.77% 24 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.77% APY
3.27%3.77%4.27%Oct 12, 2026: 3.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 30 month 3.70% 3.77% 30 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.77% APY
3.27%3.77%4.27%Oct 12, 2026: 3.77% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
12 Month Certificate 3.65% 3.72% 12 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Sep 12, 2026: 3.72% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
12 Month Junior Certificate 3.65% 3.72% 12 Months
Min Balance $100
Details Junior; Minimum Balance: $100
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
18 Month Certificate 3.65% 3.72% 18 Months
Min Balance $500
Details Minimum Balance: $500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.72% APY · checked 3 times
3.22%3.72%4.22%Sep 12, 2026: 3.72% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 12 month 3.65% 3.72% 12 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 12, 2026: 3.72% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Regular & IRA Certificates - 18 month 3.65% 3.72% 18 Months
Min Balance $500
Details Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 12, 2026: 3.72% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Savings Rates

Product Rate APY View More
High Rate Savings 1.982% 2.00%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Club & Alternate Savings Accounts 0.05% 0.05%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Business Savings Rates

Product Rate APY View More
Basic Business Savings 0.05% 0.05%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Plus 1.60% 1.60%
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.60% APY · checked 6 times
1.10%1.60%2.10%Sep 17, 2026: 1.60% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Money Market Plus 1.40% 1.40%
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 17, 2026: 1.40% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Money Market Plus 1.20% 1.20%
Min Balance $2,500
Details Balance: $2,500.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.20% APY · checked 6 times
0.70%1.20%1.70%Sep 17, 2026: 1.20% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Business Money Market Rates

Product Rate APY View More
Business Money Market 1.60% 1.60%
Min Balance $100,000
Details Balance: $100,000.00 +
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.60% APY · checked 7 times
1.10%1.60%2.10%Sep 12, 2026: 1.60% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Business Money Market 1.40% 1.40%
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 7 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Business Money Market 1.20% 1.20%
Min Balance $2,500
Details Balance: $2,500.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 7 times
0.70%1.20%1.70%Sep 12, 2026: 1.20% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Checking Rates

Product Rate APY View More
High Rate Checking 4.889% 5.00%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Interest Checking Account 0.05% 0.05%
Min Balance $700
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Business Checking Rates

Product Rate APY View More
Basic Business Checking 0.05% 0.05%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Business Money Market Checking 0.05% 0.05%
Min Balance $2,500
Details Balance: Over $2,500
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Business Premium Checking 0.05% 0.05%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 12, 2026: 0.05% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans 80% LTV - - 5.25% 0 to 36 Months
Details Primary Residence; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 5.50% 37 to 72 Months
Details Primary Residence; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 6.00% 73 to 120 Months
Details Primary Residence; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Line of Credit - 80% LTV - - 6.25%
Details Primary Residence APR as low as; Variable rate based on prime, can change quarterly; floor 4% APR, maximum 18% APR; minimum
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
5.50%6.13%6.75%Sep 12, 2026: 6.00% APRSep 17, 2026: 6.25% APRSep 12, 2026Oct 13, 2026
  • Sep 17, 20266.25%▲ from 6.00%
  • Sep 12, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 90% LTV - - 6.25% 0 to 36 Months
Details As Low As; 90% LTV; Rate is subject to change
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 12, 2026: 6.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 6.50% 121 to 180 Months
Details Primary Residence; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 90% LTV - - 6.50% 37 to 72 Months
Details As Low As; 90% LTV; Rate is subject to change
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 7.00% 181 to 240 Months
Details Primary Residence; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 90% LTV - - 7.00% 73 to 120 Months
Details As Low As; 90% LTV; Rate is subject to change
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Line of Credit - 80% LTV - - 7.25%
Details Investment APR as low as; Variable rate based on prime, can change quarterly; floor 4% APR, maximum 18% APR; minimum
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 12, 2026: 7.00% APRSep 17, 2026: 7.25% APRSep 12, 2026Oct 13, 2026
  • Sep 17, 20267.25%▲ from 7.00%
  • Sep 12, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Line of Credit - 90% LTV - - 7.25%
Details Primary Residence APR as low as; Variable rate based on prime, can change quarterly; floor 4% APR, maximum 18% APR; minimum
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 12, 2026: 7.00% APRSep 17, 2026: 7.25% APRSep 12, 2026Oct 13, 2026
  • Sep 17, 20267.25%▲ from 7.00%
  • Sep 12, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 90% LTV - - 7.50% 121 to 180 Months
Details As Low As; 90% LTV; Rate is subject to change
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 12, 2026: 7.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 90% LTV - - 8.00% 181 to 240 Months
Details As Low As; 90% LTV; Rate is subject to change
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 9.00% 0 to 36 Months
Details Investment; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 9.00% APR · checked 2 times
8.50%9.00%9.50%Sep 18, 2026: 9.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 9.25% 37 to 72 Months
Details Investment; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 2 times
8.75%9.25%9.75%Sep 18, 2026: 9.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 10.00% 73 to 120 Months
Details Investment; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Home Equity Loans 80% LTV - - 10.25% 121 to 180 Months
Details Investment; 80% LTV; *APR as low as
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 10.25% APR · checked 2 times
9.75%10.25%10.75%Sep 18, 2026: 10.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto & Motorcycles (2027-2025) - - 4.24% 0 to 36 Months
Details As Low As; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
New Auto & Motorcycles - 0 to 36 Months - - 4.24% 0 to 36 Months
Details As Low As; Model Year: 2027-2025; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 12, 2026: 4.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
New Auto & Motorcycles (2027-2025) - - 4.49% 37 to 60 Months
Details As Low As; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.49% APR · checked 7 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: 7.24%
New Auto & Motorcycles - 37 to 60 Months - - 4.49% 37 to 60 Months
Details As Low As; Model Year: 2027-2025; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 12, 2026: 4.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
New Auto & Motorcycles (2027-2025) - - 4.99% 61 to 72 Months
Details As Low As; Minimum Loan Amount - $15,000; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.99% APR · checked 7 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: 7.24%
New Auto & Motorcycles - 61 to 72 Months - - 4.99% 61 to 72 Months
Details As Low As; Model Year: 2027-2025; Minimum Loan Amount - $15,000; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
New Auto & Motorcycles (2027-2025) - - 5.74% 73 to 84 Months
Details As Low As; Minimum Loan Amount - $25,000; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 7 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: 7.24%
New Auto & Motorcycles - 73 to 84 Months - - 5.74% 73 to 84 Months
Details As Low As; Model Year: 2027-2025; Minimum Loan Amount - $25,000; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Older Used Auto & Motorcycles (2018 or Older) - - 6.49% 0 to 48 Months
Details As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account; assumes less than 90% loan to value and mileage less than 100,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.49% APR · checked 7 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: 7.24%
Older Used Auto & Motorcycles (2018 or Older) - - 6.74% 49 to 60 Months
Details As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account; assumes less than 90% loan to value and mileage less than 100,000
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.74% APR · checked 7 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: 7.24%

Tri County Area Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New & Used Motor Homes, RVs & Trailers Loan - 6.99% 0 to 72 Months
Details As Low As; Rates assume mileage less than 100,000; Maximum LTV is 90%; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 12, 2026: 6.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
New & Used Motor Homes, RVs & Trailers Loan - 7.74% 73 to 144 Months
Details As Low As; Minimum Loan Amount $25,000; Rates assume mileage less than 100,000; Maximum LTV is 90%; Rate includes .25% discount for automatic payment from a TCAFCU account
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.74% APR · checked 7 times
7.24%7.74%8.24%Sep 12, 2026: 7.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Credit Card - 11.65%
Details As Low As; *APR as low as
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 11.40% → 11.65% ▲ 0.25 pts · high 11.65% / low 11.40%
10.90%11.53%12.15%Sep 12, 2026: 11.40% APROct 12, 2026: 11.65% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 202611.65%▲ from 11.40%
  • Sep 12, 202611.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Visa Platinum Rewards Credit Card - 14.65%
Details As Low As; Earn 1.5 points per $1 spent - redeem for cash back, merchandise, gift cards, travel, and more!
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 14.40% → 14.65% ▲ 0.25 pts · high 14.65% / low 14.40%
13.90%14.53%15.15%Sep 12, 2026: 14.40% APROct 12, 2026: 14.65% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 202614.65%▲ from 14.40%
  • Sep 12, 202614.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loans 8.75% 0-60 months
Details As Low As; Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.75% APR · checked 7 times
8.25%8.75%9.25%Sep 12, 2026: 8.75% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Personal Line of Credit 10.50%
Details As Low As; Rate is subject to change. Actual Annual Percentage Rate (APR) may vary based on creditworthiness.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 12, 2026: 10.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%

Tri County Area Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
IRA Share Account 0.10% - 0.10%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.10% APY · checked 7 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: 7.24%
Junior Certificates - 12 Months 3.65% - 3.72% 12 Months
Min Balance $100
Details Junior Certificate; Dividends paid monthly; Add-on option available
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
Share Account 0.05% - 0.05%
Min Balance $0
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.24%
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

Tri County Area Federal Credit Union’s Texas Ratio rose from 1.55% in Q3 2023 to 7.24% 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 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.55% 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 7.24% 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 Grade15% Verified Healthy limit (green zone below = healthy)
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$216M7.24%5.0A
March 31, 2026$210M2.66%5.0A+
December 31, 2025$202M1.29%5.0A+
September 30, 2025$201M0.55%5.0A+
June 30, 2025$203M0.45%5.0A+
March 31, 2025$199M0.55%5.0A+
December 31, 2024$190M0.88%5.0A+
September 30, 2024$188M1.30%5.0A+
June 30, 2024$190M1.43%5.0A+
March 31, 2024$190M1.64%5.0A+
December 31, 2023$184M1.72%5.0A+
September 30, 2023$183M1.55%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 Tri County Area 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 Tri County Area 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 Tri County Area Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Tri County Area Federal Credit Union
Website https://www.tcafcu.org
Address 1550 Medical Dr, Pottstown, PA 19464-3225
Phone 610-326-3705
Fax 610-327-4263
President Kathy Smale
CEO Andrew Pistoria
Full-Time Employees 38
Part-Time Employees 5
Branch Locations 4
ATM Locations 2
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.24%
Return on Assets (ROA)
0.4501%
Return on Equity (ROE)
4.2366%
Non-Performing Loans Ratio (NPL)
1.57%
Total Assets
215,554,850
Total Amount of Shares and Deposits
192,987,465
Total Shares and Deposits < 1 Year
180,593,417
Total Shares and Deposits 1 3 Years
10,338,616
Total Shares and Deposits > 3 Years
2,055,432
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,825,574
Total Uninsured Shares and Deposits > $250K (F+J)
8,825,574
Total Insured Shares and Deposits > $250K (item 17 less item K)
184,161,891
Total Interest Expense (Sum of items 6 8)
1,008,178
Share Certificates
1,421
Number of Accounts for Share Drafts
9,416
IRA KEOGH Accounts
494
Number of Accounts for Regular Shares
14,986
Money Market Shares
838
Net Income (unless the amount is already included in Undivided Earnings)
970,147
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)
15,472,355
Total Liabilities
194,168,569
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Tri County Area Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Tri County Area Federal Credit Union

How many branches does Tri County Area Federal Credit Union operate?

Tri County Area 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 Tri County Area Federal Credit Union?

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

Does Tri County Area Federal Credit Union offer online and mobile banking?

Most modern institutions like Tri County Area 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.tcafcu.org.

Current Tri County Area Federal Credit Union Rates

  • 12-Month CD3.72%
  • 18-Month CD3.72%
  • 24-Month CD3.77%
  • 60-Month CD3.87%
  • Savings2.00%
  • MMA1.60%
Retrieved from our database of financial products. Rates subject to change.

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