TLCU Financial

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

tlcufinancial.org

574-255-3193

1816 N Main St
Mishawaka, IN 46545

TLCU Financial is headquartered in Mishawaka and is the 63^rd largest credit union in the state of Indiana. It is also the 2,355^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 10 employees and 3,948 members at 2 locations. TLCU Financial 's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Marshall, La Grange, or St. Joseph Counties in Indiana. Membership is also open to employees of Electro Transfer System, Community Hospital, Dometic Corporation and other select employer groups in Mishawaka, Topeka, and Bremen, Indiana.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. TLCU Financial has a relatively low asset base.

Health Grade Components

Overall
NCUA #	68286
Year Chartered	1953
Employees	10
Primary Regulator

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	6.19%
Annual Interest Income	$576K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$55.3MM$54.1MM
Loans	Q1 2025vs Q1 2024	$19.2MM$19.7MM
Deposits	Q1 2025vs Q1 2024	$46.2MM$45.5MM
Equity Capital	Q1 2025vs Q1 2024	$8.7MM$8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$76K$62K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$106K$110K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TLCU Financial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$250k^*	-	Funds Manager Account
OTHER TIERS: 0.75% → $500 - $10k \| 0.85% → $10k - $25k \| 0.95% → $25k - $50k \| 1.06% → $50k - $100k \| 1.16% → $100k - $250k
0.20%	$0	-	Christmas Club Account
0.10%	$101	-	Regular Savings Account
0.10%	$101	-	Special Savings Account
0.10%	$101	-	Escrow Saving Account

TLCU Financial CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.33%	$500	-	6 Month CD
4.33%	$500	-	9 Month CD
4.07%	$500	-	12 Month CD
3.82%	$500	-	18 Month CD
3.56%	$500	-	24 Month CD
3.20%	$500	-	36 Month CD

TLCU Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.33%	$500	-	6 Month IRA
4.33%	$500	-	9 Month IRA
4.07%	$500	-	12 Month IRA
3.82%	$500	-	18 Month IRA
3.56%	$500	-	24 Month IRA
3.20%	$500	-	36 Month IRA
0.50%^*	$30k^*	-	IRA Account
OTHER TIERS: 0.20% → $500 - $10k \| 0.25% → $10k - $20k \| 0.40% → $20k - $30k

Locations

TLCU Financial Locations
Branch Office	1816 N Main St	Mishawaka, IN 46545-5616
Branch Office	1122 W Plymouth St	Bremen, IN 46506-1842

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