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Transit Operations Federal Credit Union

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Transit Operations Federal Credit Union Rates & Review September 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: September 10, 2026

Transit Operations Federal Credit Union's Personal Loan Rates are at 10.00%. 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 6.56%. Rates last updated and verified on 09/10/2026.

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 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

6.56%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Transit Operations Federal Credit Union
MAIN

725 N 7TH ST
MINNEAPOLIS, MN 55411

https://tofcu.org/

Transit Operations Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicle Loans	-	-	5.25%
Details includes cars, trucks and motorcycles model year 2012 and newer Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.56%
Older Vehicle Loans	-	-	6.75%
Details includes cars, trucks and motorcycles model year 2011 and older Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.56%

Transit Operations Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	10.00%
Details Maximum without collateral is $5000 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.56%

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.
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Financial Health History

Transit Operations Federal Credit Union’s Texas Ratio fell from 7.90% in Q2 2023 to 6.56% in Q1 2026, so its financial health has improved 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

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
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
June 30, 2023	$4M	7.90%	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

6.56%

Return on Assets (ROA)

-0.0690%

Return on Equity (ROE)

-0.4051%

Non-Performing Loans Ratio (NPL)

4.29%

Total Assets

4,001,822

Total Amount of Shares and Deposits

3,316,031

Total Shares and Deposits < 1 Year

3,281,031

Total Shares and Deposits 1 3 Years

35,000

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

3,316,031

Total Interest Expense (Sum of items 6 8)

3,211

Share Certificates

Number of Accounts for Share Drafts

189

IRA KEOGH Accounts

Number of Accounts for Regular Shares

682

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

-2,763

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)

1,158,684

Total Liabilities

3,319,804

Source: NCUA — Last Updated 03/31/2026

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 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 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/.