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Overview / Commentary
3109 Minnesota Ave
Panama City, FL 32405-5026

Tyndall Federal Credit Union is headquartered in Panama City and is the 14th largest credit union in the state of Florida. It is also the 220th largest credit union in the nation. It was established in 1956 and as of December of 2017, it had grown to 251 employees and 114,538 members at 15 locations. Tyndall Federal Credit Union's CD rates are 39% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Tyndall Federal Credit Union is open to those who live, work, worship, attend school or volunteer in either Bay, Calhoun, Franklin, Gulf, Holmes, Jackson, Leon, Okaloosa, Walton, or Washington counties in Florida, or Baldwin, Houston, or Mobile counties in Alabama. Membership is also open to those who are currently stationed at or work at Tyndall Air Force Base and employees of FBI, Gulf County, Internal Revenue Service, and other Select Employer Groups.
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Have used the same credit union for 13 years+

My wife and I have been members of this credit union for well over 13 years. We have a joint checking and savings account, along with a separate savings account. Direct deposit and online banking is over 90% of our usage. Never have we had a problem with deposits or withdrawals, whether at an ATM or done via a mobile device.
Customer service is excellent, and the wait time on the phone for an agent is minimal. Their online automated system is also quite useful and efficient if you do not need to speak to a real person.
We have moved to a couple of different cities in 13 years, neither of which has had a local branch. This did not deter us in any way from using this credit union. As mentioned before, most of our banking is done online or via a mobile device.
APR on savings is bit low, and the overdraft fees can be high. However, no higher than any other institution.
I would and have always given my credit union a solid 9.5/10 rating, and will continue to do business with them.

Best bank in NW Florida

Tyndal Federal Credit Union is one of the best banks around. When I used them, there was an incentive to open an account. They normally offer a free gift for opening an account. They were one of the 1st banks to waive ATM fees ,They reimbursed ATM fees .Their NSF fees are lower than the average bank. At the time, they also had the highest interest earning checking accounts around. I have never been wronged by TFCU, now both my children have accounts there.

No Body Is Perfect.

Posted by: Anonymous | May 3, 2012

I am 50 years old and have had an account with Tyndall since I was 14.They have been responsible for financing my home, many autos, all my big toys (Boats,motorcycles etc.).They have done exactly as promised on every occasion. You would have to prove to me that there is a better financial institution anywhere. My Family and myself are totally satisfied with every aspect of our relationship with Tyndall.

Community Credit Union To Grow With

Posted by: Fanellup | Dec 22, 2017

Since I was a child I have had an account with Tyndall Federal Credit Union. From using just a saving account and Certificate of Deposit account to adding in checking once I graduated high school. I have found it easy to set up the accounts, ask questions related to interest, fees and companies trying to debit my accounts without permission. In cases of people trying to empty my accounts, I found TFCU quickly able to lock the account and get my money returned in days without having to fight them over it. Even adding in a debit card was simple and replacing it once they added in chips was just as simple. I see myself continuing to use them as well as, once I have children, helping them set up accounts as well.



Health Grade Components

NCUA #10754
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD6.46%
Annual Interest Income$34.8MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.29B$1.25B
LoansQ4 2017vs Q4 2016$675.8MM$673.8MM
DepositsQ4 2017vs Q4 2016$1.12B$1.10B
Equity CapitalQ4 2017vs Q4 2016$131.9MM$122.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$5.0MM$4.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.2MM$2.8MM
Real Estate OwnedQ4 2017vs Q4 2016$189.00K$176.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Tyndall Federal Credit Union Savings Account Rates

0.35%$50-IRA Contributory
0.20%*$50k*-Regular Share
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $25k | 0.15% $25k - $50k
0.20%*$50k*-Uniform Gift to Minors
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $25k | 0.15% $25k - $50k
0.20%*$50k*-Club Account
OTHER TIERS: 0.05% Up to $1k | 0.10% $1k - $25k | 0.15% $25k - $50k

Tyndall Federal Credit Union Money Market Rates

0.30%*$25k*-Money Market
OTHER TIERS: 0.25% $1k - $25k

Tyndall Federal Credit Union Checking Account Rates

1.00%*$25*$50kSmart Checking Smart Rate 2 (41 Minimum Debit Transactions)
OTHER TIERS: 0.05% $50k+
0.50%*$25*$50kSmart Checking Smart Rate 1 (21 Minimum Debit Transactions)
OTHER TIERS: 0.05% $50k+

Tyndall Federal Credit Union CD Rates

2.25%$1k-60 Month CD
2.25%$500-60 Month Certificate Advantage CD
2.00%$1k-48 Month CD
2.00%$500-48 Month Certificate Advantage CD
1.70%$1k-36 Month CD
1.70%$500-36 Month Certificate Advantage CD
1.45%$1k-24 Month CD
1.45%$500-24 Month Certificate Advantage CD
1.35%$1k-18 Month CD
1.35%$1k-18 - 36 Month Variable Term CD
1.25%$1k-12 Month CD
1.25%$500-12 Month Certificate Advantage CD
0.60%$1k-182 Day CD
0.40%$1k-91 Day CD

Tyndall Federal Credit Union IRA Rates

2.25%$1k-60 Month IRA
2.25%$500-60 Month Certificate Advantage IRA
2.00%$1k-48 Month IRA
2.00%$500-48 Month Certificate Advantage IRA
1.70%$1k-36 Month IRA
1.70%$500-36 Month Certificate Advantage IRA
1.45%$1k-24 Month IRA
1.45%$500-24 Month Certificate Advantage IRA
1.35%$1k-18 Month IRA
1.25%$1k-12 Month IRA
1.25%$500-12 Month Certificate Advantage IRA