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TLCU Financial Credit Union

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TLCU Financial Credit Union Rates & Review August 2026

Q: Is a member application needed to join TLCU Financial Credit Union?

Yes, to access services at TLCU Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TLCU Financial 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: August 30, 2026

TLCU Financial Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not TLCU Financial Credit Union, and you can see how they compare in the TLCU Financial Credit Union rate tables below. MonitorBankRates evaluates the financial stability of TLCU Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Database rates last updated and verified on 08/30/2026.

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

Verified Strong 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

2.12%

Excellent Lower than avg

TLCU Financial Credit Union
Mishawaka

1816 N Main St
Mishawaka, IN 46545 5616

https://tlcufinancial.org

Current Rate Availability

We're not currently displaying rates for TLCU Financial Credit Union, but our database is updated constantly — check back soon for the latest offers.

Are you with TLCU Financial Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for TLCU Financial 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 TLCU Financial 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 TLCU Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TLCU Financial Credit Union

Website https://tlcufinancial.org

Address 1816 N Main St, Mishawaka, IN 46545 5616

Phone 574-255-3193

Fax 574-258-7622

President Deric Eggleston

CEO Kendra Fleckner

Full-Time Employees 14

Part-Time Employees 1

Branch Locations 2

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+ (99/100)

Texas Ratio

2.12%

Return on Assets (ROA)

0.8298%

Return on Equity (ROE)

5.1897%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

56,350,089

Total Amount of Shares and Deposits

47,017,880

Total Shares and Deposits < 1 Year

46,900,754

Total Shares and Deposits 1 3 Years

117,126

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

931,239

Total Uninsured Shares and Deposits > $250K (F+J)

931,239

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

46,086,641

Total Interest Expense (Sum of items 6 8)

380,231

Share Certificates

231

Number of Accounts for Share Drafts

2,597

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,503

All other shares

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)

2,086,914

Total Liabilities

47,345,998

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

TLCU Financial Credit Union earned the Verified Strong badge

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

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About TLCU Financial Credit Union

How many branches does TLCU Financial Credit Union operate?

TLCU Financial 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 TLCU Financial Credit Union?

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

Does TLCU Financial Credit Union offer online and mobile banking?

Most modern institutions like TLCU Financial 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://tlcufinancial.org.