Traverse City Credit Union MI | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Tba, your trusted financial partner located at 630 E Front St, Traverse City, MI 49686. Since our establishment in 1955, we have been committed to serving our community with a personal touch. With over 19,465 members and total assets of $362,859,530, we pride ourselves on being more than just a credit union; we are a community hub where every member matters. At Tba, we understand that financial decisions can be daunting. That's why our dedicated team of 75 employees, led by CEO Karen Browne and Board President David Seman, is here to guide you through every step. Whether you're looking for a new auto loan or planning your future with savings and investments, we're ready to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address at PO Box 1049, Traverse City, MI 49685-1049. We invite you to explore our wide range of services including personal banking, business loans, and online banking options. Our total deposits stand strong at $20,719,029, reflecting the trust our members place in us. Join us today and experience the difference that comes from being part of a community-focused credit union. Feel free to reach out at 231-946-7090 or visit us online at https://www.tbacu.com/. We look forward to welcoming you into the Tba family!

Branch History & Mission

Welcome to Tba, a cornerstone of the Traverse City community since 1955. Our branch, located at 630 E Front St, Traverse City, MI 49686, has been dedicated to serving our members with commitment and care for nearly seven decades. As we reflect on our journey, we are proud to have grown into a trusted financial partner for over 19,465 members, providing them with essential services and support. At Tba, our mission is clear: we strive to empower our members through innovative financial solutions while fostering a sense of community. We believe in putting people first offering personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our goal is not only to assist you in achieving your financial dreams but also to contribute positively to the local community. Since our inception, we've seen tremendous growth. Today, we proudly hold total assets of $362859530, a testament to the trust our members place in us. Over the years, we have embraced advancements in technology to enhance member experience through online banking and mobile payment options. Our commitment to accessibility includes features such as ADA compliance, ensuring everyone can benefit from our services. While members can visit us at 630 E Front St Traverse City Mi 49686, official correspondence should be sent to PO Box 1049, Traverse City, MI 49685-1049. We invite you to take advantage of our convenient operating hours from 9:00 a.m. to 5:00 p.m., Monday through Friday. Additionally, we offer drive-thru banking and ATM services for quick transactions. Tba is more than just a financial institution; we are an integral part of the Traverse City community. Through various partnerships and outreach programs, we work tirelessly to support local initiatives that uplift and strengthen our neighborhood. As we look toward the future, we remain committed to enhancing our member services and expanding our offerings while staying true to our mission of supporting both individual aspirations and community growth. Join us at Tba today and experience firsthand how we're here for you every step of the way! For more information or assistance, feel free to call us at (231) 946-7090 or visit us online at www.tbacu.com.

Branch Location & Accessibility

Welcome to Tba! Conveniently located at 630 E Front St Traverse City Mi 49686, our branch is here to serve you in the heart of beautiful Traverse City, MI. Whether you're looking to open a new account, apply for a loan, or just have a friendly chat about your financial needs, we are ready to assist you. Finding us is easy! We're situated near popular landmarks that make our location familiar and accessible. Our branch features ample parking, and we've ensured that our facilities are fully compliant with ADA standards, providing ramps and other accessibility features for everyone. Our operating hours are designed with your busy schedule in mind. You can visit us from 9:00 a.m. to 5:00 p.m., Monday through Friday. Need assistance outside those hours? No problem! We also offer ATM access and drive-thru banking for your convenience, allowing you to handle simple transactions quickly and efficiently. While members can visit us at 630 E Front St Traverse City Mi 49686, official correspondence should be sent to PO Box 1049, Traverse City, MI 49685-1049. If you have any questions or need assistance, feel free to give us a call at (231) 946-7090. We invite you to come by and experience all that Tba has to offer. Your financial journey is important to us, and we look forward to being a part of it!

Member Eligibility

Joining Tba is like becoming part of a close-knit community where your financial well-being is a top priority. If you're wondering about membership eligibility, you'll be pleased to know that it's designed to be welcoming and inclusive. Typically, anyone who lives, works, or worships in the area around our branch at 630 E Front St Traverse City Mi 49686 can join us. This means that whether you're a local resident or part of our vibrant local workforce, there's a place for you here. By becoming a member, you gain access to personalized financial services tailored just for you, along with competitive rates and friendly support from our dedicated team. Getting started is easy! For more detailed information on eligibility criteria, feel free to check out our resource at . If you're ready to open an account or have any questions, don't hesitate to call us at (231) 946-7090. We're here to help you every step of the way on your journey toward financial success!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $179 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $20 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $25,432,935, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

Imagine having a payment solution that fits seamlessly into your operations. Our merchant services provide just that enabling you to accept payments quickly and securely. Whether you run a cozy café or a bustling retail store, our tailored solutions will help streamline your transactions, allowing you to focus more on what you do best: serving your customers. Visit us at 630 E Front St Traverse City Mi 49686 in Traverse City, MI to discover how we can help take your business to the next level! For inquiries, call us at (231) 946-7090 during our operating hours from 9:00 a.m. to 5:00 p.m., Monday through Friday.

Comprehensive List Of Services

Business Banking Services

For our business members, we understand that managing finances can be complex. That's why we provide tailored Business Banking solutions that include Merchant Services & Business Loans. These services are designed to support your business growth and streamline transactions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Front Street, we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. With our mobile application, you can check balances, transfer funds, and even make payments with just a few taps on your smartphone. You won't have to worry about accessing cash either; our ATM & Cash Withdrawal Services ensure that you have easy access to your funds whenever needed. Plus, if you prefer face-to-face interactions for simpler transactions, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car.

Final Thoughts

With so many options available at Tba, there's truly something for everyone. Our friendly staff is always ready to assist you with any questions or concerns. To learn more about how we can help you achieve your financial goals, give us a call at (231) 946-7090 or visit us at 630 E Front St Traverse City Mi 49686 in beautiful Traverse City, MI. We look forward to serving you!

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer Checking & Savings Accounts that help you manage your day-to-day finances while earning interest on your savings. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, making it easier for you to hit the road in style. For those looking to invest in their dream home, we have comprehensive Mortgage Loans & Refinancing solutions that can help turn that dream into reality. Additionally, if you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation services can provide the support you need without added stress. To reward your loyalty, we also offer Credit Cards with Rewards, allowing you to earn points or cashback on your everyday purchases.

Digital & Online Banking

Key Features

Enjoy the convenience of e-statements available for all members. This paperless option not only helps the environment but also keeps your financial records organized and easily accessible. And if you need to sign documents quickly, our electronic signature authorization feature allows you to do so without the hassle of printing and scanning. For those who are always on the go, our mobile application gives you access to your accounts right from your smartphone. You can make mobile payments effortlessly and even send money to friends or family with our person-to-person transfer service. Whether it's splitting a bill or sending a birthday gift, it's fast and simple.

Security and Accessibility

We prioritize your security with advanced measures in place to keep your personal information safe. You can bank confidently knowing that we use the latest technology to protect your data. Our user-friendly interface makes it easy for everyone to navigate through their accounts without any confusion. With all these features combined, banking at Tba is not just convenient; it's also designed for real-time account management that fits into your lifestyle. Join us today and experience how easy managing your finances can be!

Financial Strength

Growing Trust

Total Share and Deposit Accounts: 42,556, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $5,259,908 further signify our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tba is your trusted partner. Visit us at 630 E Front St Traverse City Mi 49686 or call (231) 946-7090 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Approach

Members' savings are secured through $71,060,635 in share certificates and $48,784,235 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This is evident as we have non-member deposits at $0, ensuring that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 70 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Services

With $48,695,426 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $4,867 in used auto loans and $246,151,986 in total loans and leases.

Strong Financial Health

With a net worth of $49,432,483, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,360 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $78,827,060 in used vehicle loans and $17,954,527 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you drive away satisfied.

Business Loans

For business owners, our outstanding commercial loans totaling $25,432,935 provide the capital needed to grow and expand. We're committed to supporting local businesses and helping them thrive in our community. At Tba, we also offer refinancing options for those looking to lower their current payments or consolidate debt. Our eligibility requirements are straightforward, ensuring that more members have access to the funds they need. For any questions about our loan products or how we can assist you further, don't hesitate to reach out at (231) 946-7090. Visit us at our branch located at 630 E Front St Traverse City Mi 49686 in Traverse City, MI, or check out our website at https://www.tbacu.com/ for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you take control of your finances with confidence!

Credit Lines and Unsecured Loans

For those managing day-to-day expenses or unexpected costs, we also offer flexible terms on unsecured credit card loans, with a total of $3,470,900 in loans helping members manage their finances effectively. Plus, our total credit lines amounting to $65,866,667 provide additional financial flexibility when you need it most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,142,719, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step.

Loan Aggregator

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TBA CREDIT UNION - Traverse City, MI