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Tyndall Federal Credit Union

Tyndall Federal Credit Union Locations

P.O. Box 59760
Panama City, FL 32412
888-896-3255
www.tyndallfcu.org

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Tyndall Federal Credit Union is headquartered in Panama City and is the 12^st largest credit union in the state of Florida. It is also the 160^th largest credit union in the nation. It was established in 1956 and as of September of 2011, it had grown to 240 employees and 101,264 members. Tyndall Federal Credit Union has a 5-star health rating.

Related Posts

Top Long-Term CD and IRA CD Rates at Tyndall FCU in FL Panhandle - Local Only - 10/18/2010

Tyndall Federal Credit Union continues to offer a few competitive long-term CD and IRA CD rates. Below are some of the best standard rates as listed in the credit union's rate page as of 10/18/2010: ...

Not A Regular 1Yr CD (Forum) - 5/27/2010

not a regular 1yr CD. Must open 5 CDs in a laddered configuration to get these rates

Competitive CD and IRA CD Rates at Tyndall FCU in FL Panhandle - Local Only - 4/1/2010

Tyndall Federal Credit Union continues to offer several competitive CD and IRA CD rates, and it appears they're going to continue into April. Below are the standard rates as listed in the credit unio ...

5.00% 6-Month CD ($25K Max) at Tyndall Online Credit Union in FL Panhandle - Local Only - 7/24/2009

Update 9/09/09: The special 5% 6-month CD is no longer available.Tyndall Federal Credit Union has a new online banking website called Tyndall Online where they're offing some attractive promotions. The best deal is a 5.00% APY 6-month CD with a $25,000...

2008

9/25 - 5.00% 6-Month and 18-Month CD at Tyndall FCU in the Florida Panhandle

2007

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See Rates for: Checking | Savings | Money Market | CD | IRA

Tyndall Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.50%^†	-	$50k	e-Checking
	0.05%^†	$25	-	Regular Checking
	0.05%^†	$25	-	Tyndall Savers Checking

Tyndall Federal Credit Union Savings Account Rates

	Apy	Min	Max	Product
	0.15%^†	$50	-	IRA Contributory
	0.05%^†	-	-	Regular Share
	0.05%^†	-	-	Tyndall Savers Regular Share
	0.05%^†	-	-	Uniform Gift to Minors
	0.05%^†	-	-	Club Account
	0.05%^†	-	-	Tyndall Savers Club Account

Tyndall Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.05%^†	$1k	-	Money Market
	0.05%^†	$250	-	Tyndall Savers Money Market

Tyndall Federal Credit Union CD Rates

	Apy	Min	Max	Product
	2.00%^†	$500	-	60 Month Certificate Advantage CD
	2.00%^†	$250	-	60 Month Tyndall Savers CD
	1.75%^†	$1k	-	48 Month CD
	1.75%^†	$500	-	48 Month Certificate Advantage CD
	1.75%^†	$250	-	48 Month Tyndall Savers CD
	1.50%^†	$1k	-	36 Month CD
	1.50%^†	$500	-	36 Month Certificate Advantage CD
	1.50%^†	$250	-	36 Month Tyndall Savers CD
	1.00%^†	$1k	-	24 Month CD
	1.00%^†	$500	-	24 Month Certificate Advantage CD
	1.00%^†	$250	-	24 Month Tyndall Savers CD
	0.75%^†	$1k	-	18 Month CD
	0.75%^†	$1k	-	18 Month Gift to Minors CD
	0.75%^†	$250	-	18 Month Tyndall Savers CD
	0.75%^†	$250	-	18 - 36 Month Variable Term Tyndall Savers CD
	0.65%^†	$1k	-	12 Month CD
	0.65%^†	$500	-	12 Month Certificate Advantage CD
	0.65%^†	$250	-	12 Month Tyndall Savers CD
	0.20%^†	$1k	-	182 Day CD
	0.20%^†	$1k	-	1 Year Add-On CD
	0.20%^†	$250	-	182 Day Tyndall Savers CD
	0.20%^†	$250	-	1 Year Add-On Tyndall Savers CD
	0.15%^†	$1k	-	91 Day CD
	0.15%^†	$250	-	91 Day Tyndall Savers CD

Tyndall Federal Credit Union IRA Rates

	Apy	Min	Max	Product
	2.00%^†	$1k	-	60 Month IRA
	2.00%^†	$500	-	60 Month Certificate Advantage IRA
	2.00%^†	$500	-	60 Month Certificate Advantage Roth IRA
	2.00%^†	$1k	-	60 Month Roth IRA
	2.00%^†	$500	-	60 Month Certificate Advantage CESA
	2.00%^†	$1k	-	60 Month CESA
	1.75%^†	$1k	-	48 Month IRA
	1.75%^†	$500	-	48 Month Certificate Advantage IRA
	1.75%^†	$500	-	48 Month Certificate Advantage Roth IRA
	1.75%^†	$1k	-	48 Month Roth IRA
	1.75%^†	$500	-	48 Month Certificate Advantage CESA
	1.75%^†	$1k	-	48 Month CESA
	1.50%^†	$1k	-	36 Month IRA
	1.50%^†	$500	-	36 Month Certificate Advantage IRA
	1.50%^†	$500	-	36 Month Certificate Advantage Roth IRA
	1.50%^†	$1k	-	36 Month Roth IRA
	1.50%^†	$500	-	36 Month Certificate Advantage CESA
	1.50%^†	$1k	-	36 Month CESA
	1.00%^†	$1k	-	24 Month IRA
	1.00%^†	$500	-	24 Month Certificate Advantage IRA
	1.00%^†	$500	-	24 Month Certificate Advantage Roth IRA
	1.00%^†	$1k	-	24 Month Roth IRA
	1.00%^†	$500	-	24 Month Certificate Advantage CESA
	1.00%^†	$1k	-	24 Month CESA
	0.75%^†	$1k	-	18 Month IRA
	0.75%^†	$1k	-	18 Month Roth IRA
	0.75%^†	$1k	-	18 Month CESA
	0.65%^†	$1k	-	12 Month IRA
	0.65%^†	$500	-	12 Month Certificate Advantage IRA
	0.65%^†	$500	-	12 Month Certificate Advantage Roth IRA
	0.65%^†	$1k	-	12 Month Roth IRA
	0.65%^†	$500	-	12 Month Certificate Advantage CESA
	0.65%^†	$1k	-	12 Month CESA

Rates updated: 2/11/2012 * Not all products updated

Data for Q3 2011

Institution Statistics

TYNDALL
NCUA #	10754
BankRate Report	View
Year Established	1956
Employees	240
Primary Regulator
Assets and Liabilities
Assets	$1.09 billion
Loans	$606.23 million
Deposits	$949.16 million
Equity Capital	$106.75 million
Loan Loss Allowance	$5.61 million
Unbacked Noncurrent Loans	$3.57 million
Real Estate Owned	$1.88 million
Historic Data - September 2010
Assets	$1.04 billion
Equity Capital	$107.48 million
Loan Loss Allowance	$4.40 million
Unbacked Noncurrent Loans	$3.72 million
Real Estate Owned	$926,000
Profit Margin - Quarterly
Net Interest Margin	3.42%
Return on Assets	-0.1%
Return on Equity	-1.01%
Interest Income	$25.90 million
Non-Interest Income	$8.98 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Tyndall Federal Credit Union had $5.44 million in non-current loans and owned real-estate with $112.36 million in equity and loan loss allowances on hand to cover it. This gives Tyndall Federal Credit Union a Texas Ratio of 4.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Tyndall Federal Credit Union held steady from 4.15% as of September 30, 2010 to 4.84% as of September 30, 2011, resulting in a negative change of 16.54%. This indicates that the balance sheet and financial strength for Tyndall Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Tyndall Federal Credit Union has increased its total deposits by $50.53 million, resulting in 5.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Tyndall Federal Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Tyndall Federal Credit Union has $1.09 billion in assets with $112.36 million in equity, resulting in a capitalization level of 10.33%, which is above average.

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NOT A REAL 1.85% "" 1 Year CD ""
1 stars

1 stars

- Ricochet - Friday, July 9, 2010 - 11:02 AM

The Certificate Advantage program consists of 5 separate Certificate Accounts with an equal dollar amount in each (minimum required deposit of $500 per Certificate):

a 1-Year Certificate,
a 2-Year Certificate,
a 3-Year Certificate,
a 4-Year Certificate, and
a 5-Year Certificate

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