|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Town & Country Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: September 5, 2026
Town & Country Federal Credit Union's 12 Month CD rates are at 3.82%, 18 Month CD rates are at 3.82%, 24 Month CD rates are at 3.82%, IRA CD 12 Month rates are at 3.82%, IRA CD 18 Month rates are at 3.82%. Town & Country Federal Credit Union's savings rates are at 0.10%. Town & Country Federal Credit Union's money market rates are at 1.01%. Town & Country Federal Credit Union's Personal Loan Rates are at 10.74%. 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 1.56%. Rates last updated and verified on 09/05/2026. 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. Town & Country Federal Credit Union
Scarborough Operations Center 32 Little Dolphin Drive
https://www.tcfcu.com Scarborough, ME 04074 
Town & Country Federal Credit Union CD Rates
Town & Country Federal Credit Union Savings Rates
Town & Country Federal Credit Union Money Market Rates
Town & Country Federal Credit Union Checking Rates
Town & Country Federal Credit Union Auto Loan Rates
Town & Country Federal Credit Union Credit Card Rates
Town & Country Federal Credit Union Personal Loan Rates
Financial Health HistoryTown & Country Federal Credit Union’s Texas Ratio fell from 2.93% in Q2 2023 to 1.56% in Q1 2026, so its financial health has improved and is now 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; the amber line marks the 15% level a credit union must stay under 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 threshold
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
126
Part-Time Employees
1
Branch Locations
6
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.56%
Return on Assets (ROA)
0.0755%
Return on Equity (ROE)
0.9054%
Non-Performing Loans Ratio (NPL)
0.18%
Total Assets
627,642,760
Total Amount of Shares and Deposits
520,947,813
Total Shares and Deposits < 1 Year
506,805,282
Total Shares and Deposits 1 3 Years
11,320,854
Total Shares and Deposits > 3 Years
2,821,677
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,020,292
Total Uninsured Shares and Deposits > $250K (F+J)
25,020,292
Total Insured Shares and Deposits > $250K (item 17 less item K)
495,927,521
Total Interest Expense (Sum of items 6 8)
2,467,348
Share Certificates
3,679
Number of Accounts for Share Drafts
32,084
IRA KEOGH Accounts
1,617
Number of Accounts for Regular Shares
65,561
All other shares
1,286
Money Market Shares
1,335
Net Income (unless the amount is already included in Undivided Earnings)
473,908
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)
19,261,271
Total Liabilities
584,041,951
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Town & Country Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Town & Country Federal Credit Union
Frequently Asked Questions About Town & Country Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Texas Community Federal Credit Union
REFUGIO COUNTY
Five Star Credit Union
Genesis Employees Credit Union
Sound Federal Credit Union
DuPage Credit Union
FirstEnergy Choice Federal Credit Union
Holley Credit Union
Worcester Police Department Federal Credit Union
Morton Federal Credit Union
Northwestern Mutual Credit Union
IH Mississippi Valley Credit Union
Metropolitan L Federal Credit Union
Har-co Credit Union
Arizona Central Credit Union
Capitol Credit Union
New Community Federal Credit Union
United Trades Federal Credit Union
HOCU Honolulu Federal Credit Union
Richland Federal Credit Union
One Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
