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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 212th largest credit union in the nation. It was established in 1956 and as of June of 2017, it had grown to 244 employees and 112,511 members at 15 locations. Tyndall Federal Credit Union 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.
See current membership details

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Reviews (8)

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.

Non-Sufficient Funds Fees

For almost 2 years I have NSF fees every pay check. I had lost my good paying job and I begged them for help to get back on my feet and no help. So after 2 years I was able to get my account in the green. With Christmas more spending and I over drew my checking account. However I have a savings with money in it that would cover all the charges plus more that the charges should have came out of it. I was hit for not 1 not 2 but 4 NSF fees. I asked them for help explaining were the money was and everything. They replied our union did not make any mistakes and will not refund the fees. I will be taking my business else where. Anyone thinking about banking with Tyndall run. They are not as good as you think they are. BTW I have been a member for 24 years.

Never Use Them For Auto Loan

I've had an auto loan with TFCU since July, 2012. I remarried, and moved, so I contacted them to change my name and address on the loan docs, and get my registration updated. They convinced me to come into the branch, so they could talk to me about obtaining a lower interest rate on my auto loan. Once I make the trip to the branch, and sat thru the whole spiel about what they can do for me, I find out a lower interest rate is not available to me. Of course, it's 3 weeks later when they finally admit that fact to me. To make matters worse, when it is all said and done, my car payment was HIGHER. Then (insult to injury), they lost my registration. I started the process in mid-April. It is now the first of June, and I still do not have my updated registration. I do have a higher car payment, and I had to pay out almost $200 to get my information updated. I will never, ever use Tyndall Federal Credit Union for anything ever again.


Posted by: jaybird15 | Jan 14, 2013

While stationed there they were fine. But once we PCS'd they were uncooperative and condenscending! We have used their swervice for over 5 years and have been stationed over seas and stateside elsewhere and since we have left no issues have been resolved. I got to the point that I said ah whatever no big deal I rather not speak with them over the phone. But enough is enough! I will not be spoken to that way, They need to improve their customer service! Not everyone is out to get their money back. Some people understand they may have been at fault, but in no way is it okay for anyone to treat customers that way! And when the issue about their customer service was brought to their attention via secure messaging they didn't even address the issue. You may not care about little o me because I don't make the big bucks but customer service should be given to every CUSTOMER!!! If I could give no stars I would! 

Tyndall Holds Payment Withdrawls To Generate More NSF Fees

On sunday my cell phone sent me an email to let me know my payment had been processed and so I thought it strange that bank didn't show the payment as withdrawn. Today is thursday and I noticed I had been charged two NSF fees. Tyndall bank had been holding that cell phone payment since sunday which put a hold on my account for the amount. In the meantime, my electric bill came out. I had sufficient funds in the account but not according to the bank which cosiders the holding payment as already come out even though it has not cleared. So I was 4 dollars short on my electric bill. So the bank is now charging me two NSF fees for one overdraft. If the payment had come  out as it should have 4 days ago I could have forseen the need to put 4 dollars into my account to cover the charge and to avoid 56 dollars in NSF fees. 

Tyndall consistently holds payments and then doubly charges NSF fees. Technically, I was only short on one bill, not two, but I was charged two NSF fees. This practice can cause a snowball effect of insufficient funds by charging those NSF fees when there are sufficient funds in the account or should have been. And complaining doesn't do anything. Tyndall bank has set their system up to rob people of their money.

Tyndall Stole My Money

I took out a car loan with Tyndall FCU, and they required a draw against my checking for the monthly payments. I paid off the loan within 2-3 months and asked for my account to be closed. Instead of closing my account, they drew another $90 from my checking, but assured me the overpayment would be refunded. I waited for the refund and then forgot about it. In the meantime, Tyndall transferred the money to a "savings" account, and began drawing a $5 fee against my money because less than $100 was in the account. When I remembered the overpayment, Tyndall had eaten $25 of my money and refused to refund their "fees" for my overpayment. I went up the chain of command, all the way to the president, but they refused to refund my money. I have asked an attorney to file a claim in small claims court for the $25.  He said that if anyone else has a similar complaint, I can file a class-action lawsuit. Please respond if you have had fees taken from your account after overpaying a loan. They had no right to transfer my money into another account and begin drawing "fees" to steal it.

Joint Personal Accounts

Posted by: Anonymous | Mar 13, 2011

Tyndall Federal Credit Union is seriously flawed when it comes to enforcing their own rules and procedures, e.g., joint personal accounts.

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

Posted by: Ricochet | Jul 9, 2010

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


Health Grade Components

NCUA #10754
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.63%
Annual Interest Income$16.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.28B$1.23B
LoansQ2 2017vs Q2 2016$658.5MM$669.3MM
DepositsQ2 2017vs Q2 2016$1.12B$1.07B
Equity CapitalQ2 2017vs Q2 2016$127.8MM$129.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$4.8MM$4.1MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$2.8MM$2.6MM
Real Estate OwnedQ2 2017vs Q2 2016$284.00K$54.00K
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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

0.25%$50-IRA Contributory
0.10%*$25k*-Regular Share
OTHER TIERS: 0.05% Up to $25k
0.10%*$25k*-Uniform Gift to Minors
OTHER TIERS: 0.05% Up to $25k
0.10%*$25k*-Club Account
OTHER TIERS: 0.05% Up to $25k

Tyndall Federal Credit Union Money Market Rates

0.20%*$25k*-Money Market
OTHER TIERS: 0.15% $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

1.75%$1k-60 Month CD
1.75%$500-60 Month Certificate Advantage CD
1.55%$1k-48 Month CD
1.55%$500-48 Month Certificate Advantage CD
1.45%$1k-36 Month CD
1.45%$500-36 Month Certificate Advantage CD
1.15%$1k-24 Month CD
1.15%$500-24 Month Certificate Advantage CD
0.95%$1k-18 Month CD
0.85%$1k-12 Month CD
0.85%$500-12 Month Certificate Advantage CD
0.75%$1k-18 - 36 Month Variable Term CD
0.45%$1k-182 Day CD
0.25%$1k-91 Day CD

Tyndall Federal Credit Union IRA Rates

1.75%$1k-60 Month IRA
1.75%$500-60 Month Certificate Advantage IRA
1.55%$1k-48 Month IRA
1.55%$500-48 Month Certificate Advantage IRA
1.45%$1k-36 Month IRA
1.45%$500-36 Month Certificate Advantage IRA
1.15%$1k-24 Month IRA
1.15%$500-24 Month Certificate Advantage IRA
0.95%$1k-18 Month IRA
0.85%$1k-12 Month IRA
0.85%$500-12 Month Certificate Advantage IRA