Tyndall Federal Credit Union is headquartered in Panama City and is the 16th largest credit union in the state of Florida. It is also the 258th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 224 employees and 111,126 members at 10 locations. Tyndall Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.
Field of Membership Restrictions
Tyndall Federal Credit Union is open to the following: (1) 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; (2) 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 (a complete list can be found on the credit union's website); (3) Immediate family and household members.
See current membership details
Mortgage Refinancing
Debbie Beasock & TFCU
"Debbie Beasock" she is the lady to call on for your Home Loan needs. Honest, fair, and to the point, very effective & efficient with all aspects of documentation to close the deal in a very timely manner. She is great at returning text messages, calls and has a special kindness and a very patient demeanor. If you have your ducks in a row, have decent Credit and pay your Bill's, with Debbie, you can close on your refinance very fast. And have a great record low interest rate. Even better than "Rocket Mortgage" QL... I want to sincerely thank Mrs. Beacock for her patients and understanding being so good to me and helping me to get the last loan I will ever need. Tyndall Federal C.U. was smart to hire Debbie! God bless her....Glad to be back with my long time Credit Union home. The Best in the USA! :)
Best Credit Union Around!
I have banked with Tyndall for close to 6 years. I have 2 car loans and a credit card with them and wouldn't wish to bank anywhere else. They have the best rates and their staff is knowledgeable and kind!
Unfriendly Practices
I left a forwarding address for a three month temporary, seasonal move. Tyndall received that notification, stopped mailing me paper statements and began charging me inactive fees. That continued until my account balance was $0. They never reached out by phone or again to my permanent address, both of which they had on file. They refuse to reverse the fees. If I were a loan customer, I'm sure I would have received a phone call. Poor customer service, Tyndall is obviously not concerned with customers' interests. Save your money someplace that is grateful.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 10754 |
| Year Chartered | 1956 |
| Employees | 224 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.77% |
| Return on Equity - YTD | 9.26% |
| Annual Interest Income | $20.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.96B$1.92B |
| Loans | Q1 2025vs Q1 2024 | $973.8MM$1.01B |
| Deposits | Q1 2025vs Q1 2024 | $1.69B$1.6B |
| Equity Capital | Q1 2025vs Q1 2024 | $160.6MM$129.9MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $5.3MM$5.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $2.1MM$1.2MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |