Overview / Commentary
630 E Front St
Traverse City, MI 49686

TBA Credit Union is headquartered in Traverse City and is the 53rd largest credit union in the state of Michigan. It is also the 999th largest credit union in the nation. It was established in 1955 and as of September of 2018, it had grown to 52 employees and 17,897 members at 4 locations. TBA Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in TBA Credit Union is open to: (1) those who live, work, attend school or worship in Michigan; (2) Alumni of Northwestern Michigan College of Traverse City; (3) individuals who receive retirement, pension social security or other forms of annuities, and who live or belong to a retirement organization which is located near a TBA credit union office; (4) credit union employees, and immediate family of current or deceased credit union members.
See current membership details

Reviews (1)

Loan Denial

We have a $20,000 truck loan witch is paid every month and is current. However we were denied a $2,500 loan for a camper my wifes credit score is 622 we have been dinied 2 or 3 times for a camper loan it dosent make sense. The whole reason for belonging to your credit union was to not be judge by past issues but to look forward to future success. We have been good costumers and have been denied a small camper loan. We minse as well belong to a regular bank. Very disappointed


Health Grade Components

NCUA #61795
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD7.58%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$218.2MM$198.8MM
LoansQ3 2018vs Q3 2017$165.5MM$155.6MM
DepositsQ3 2018vs Q3 2017$179.6MM$165.8MM
Equity CapitalQ3 2018vs Q3 2017$31.3MM$29.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$978.00K$762.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$759.00K$1.5MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TBA Credit Union Savings Account Rates

1.86%--Tax Deferred Compensation for School Employee
0.35%--IRA Share
0.35%--Other IRA Shares
0.25%*$10k*-Savings Account
OTHER TIERS: 0.15% $1 - $1k | 0.20% $1k - $10k
0.25%--Christmas Club
0.15%--Vacation Club
0.15%--Summer Savings Club
0.15%--Health Savings Account

TBA Credit Union Checking Account Rates

0.40%*$100k*-VIP Checking
OTHER TIERS: 0.25% $1 - $2.5k | 0.30% $2.5k - $25k | 0.35% $25k - $100k
0.35%*$100k*$1mBusiness Checking
OTHER TIERS: 0.18% $1m+
0.25%*$100k*-Non-Profit Checking
OTHER TIERS: 0.15% $1 - $25k | 0.20% $25k - $100k

TBA Credit Union CD Rates

3.03%$500-36 Month CD Special
2.88%$500-60 Month CD
2.63%$500-48 Month CD
2.58%$500-24 Month CD Special
2.37%$500-36 Month CD
2.37%$500-12 Month CD Special
2.12%$500-24 Month CD
1.76%$500-12 Month CD
1.10%$5k-6 Month CD

TBA Credit Union IRA Rates

3.03%$500-36 Month IRA Special
2.88%$500-60 Month IRA
2.63%$500-48 Month IRA
2.58%$500-24 Month IRA Special
2.37%$500-36 Month IRA
2.37%$500-12 Month IRA Special
2.12%$500-24 Month IRA
1.76%$500-12 Month IRA
1.10%$5k-6 Month IRA

TBA Credit Union Locations
Branch Office537 Bay StTraverse City, MI 49684
Branch Office924 E 8th StTraverse City, MI 49686
Branch Office2900 W South Airport RdTraverse City, MI 49684-4611
Corporate Office630 E Front StTraverse City, MI 49686-2618

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