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Am I Eligible for Membership?

You are if you live, work, worship, attend school, or volunteer in the Panhandle of Florida or Southern Alabama.

For more than 8 decades, credit unions have been the original consumer financial protectors

We are a not-for-profit, member-owned financial cooperative that provides the same financial services that traditional banks do, but that’s where the similarities end. Every credit union member is a shareholder because they’re all individual owners. Membership in a credit union means fewer fees, better interest and loan rates, higher savings return, easier access to credit, and better, more personalized service.

Today, 120 million American consumers (10.3 million in Alabama, Florida, and Georgia) continue to choose credit unions as their financial services partner. Credit unions continue to advance our not-for-profit, collaborative mission pre, during, and post-pandemic. We invest in the financial health and security of every community.

Tyndall remains committed to ensuring that our members have access to safe, affordable services that work for their individual needs and help them achieve their financial goals.

You qualify to join us if you meet the criteria in any of the categories shown below.

Qualifying Categories

Location/Zip Code Check 

You may qualify for membership if you work, live, attend school, worship, or volunteer in one of the communities we serve. 

All Zip Codes for the Following:

  • Calhoun County
  • Franklin County 
  • Gulf County
  • Holmes County
  • Jackson County
  • Walton County
  • Washington County

 

Bay County by the following Zip Codes (if you do not reside in one of the following zip codes, then you may be eligible by Census Tract*):

  • 32401
  • 32402
  • 32403
  • 32406
  • 32407
  • 32409
  • 32410
  • 32411
  • 32412
  • 32413
  • 32417
  • 32438

 

In Alabama by Census Tract* for the following counties: 

  • Baldwin County
  • Mobile County
  • Houston County

 

*In the majority of the zip code areas of Bay County, FL, all of the census tracts qualify as "Underserved," so we can use the larger zip code area for qualification purposes (those listed above). However, a few of the Bay County zip code areas, some of the Okaloosa County, FL, zip code areas, and some of the Houston County, AL, zip code areas do not qualify as a whole. Therefore, we have made available a list of the census tracts in those zip code areas that do qualify for membership. Potential members may qualify for membership based on where they live, work, worship, or attend school in certain geographical areas of Florida and Alabama. These "Underserved Areas," which are included in Tyndall's Field of Membership, are defined by NCUA (the National Credit Union Administration) and are outlined in the credit union's charter. The Underserved Areas are defined by census tract and NCUA has specific guidelines that determine which census tracts are considered "Underserved."

Qualifying Census Tract Areas and Code
Bay County, FL
  • Census Tract 2
  • Census Tract 3
  • Census Tract 5
  • Census Tract 6
  • Census Tract 7
  • Census Tract 8
  • Census Tract 9
  • Census Tract 10
  • Census Tract 11
  • Census Tract 12
  • Census Tract 13
  • Census Tract 16
  • Census Tract 17
  • Census Tract 18
  • Census Tract 19
  • Census Tract 20
  • Census Tract 21
  • Census Tract 22
  • Census Tract 23
  • Census Tract 24
  • Census Tract 27
Leon County, FL
  • Census Tract 0003.01
  • Census Tract 0003.02
  • Census Tract 0003.03
  • Census Tract 0004.00
  • Census Tract 0005.00
  • Census Tract 0006.00
  • Census Tract 0007.00
  • Census Tract 0010.01
  • Census Tract 0010.02
  • Census Tract 0011.01
  • Census Tract 0011.02
  • Census Tract 0012.00
  • Census Tract 0013.00
  • Census Tract 0014.00
  • Census Tract 0018.01
  • Census Tract 0018.02
  • Census Tract 0019.00
  • Census Tract 0020.01
  • Census Tract 0020.02
  • Census Tract 0021.02
  • Census Tract 0022.01
  • Census Tract 0023.04
  • Census Tract 0024.03
  • Census Tract 0025.04
  • Census Tract 0025.05
  • Census Tract 0026.01
  • Census Tract 0026.02
  • Census Tract 0027.00
Okaloosa County, FL
  • Census Tract 201
  • Census Tract 202
  • Census Tract 204
  • Census Tract 205
  • Census Tract 206
  • Census Tract 207
  • Census Tract 208
  • Census Tract 213
  • Census Tract 214
  • Census Tract 220
  • Census Tract 221
  • Census Tract 226
  • Census Tract 228
  • Census Tract 230
  • Census Tract 231
Houston County, AL
  • Census Tract 403
  • Census Tract 404
  • Census Tract 406
  • Census Tract 407
  • Census Tract 409
  • Census Tract 410
  • Census Tract 411
  • Census Tract 412
  • Census Tract 414
  • Census Tract 415
  • Census Tract 416
  • Census Tract 417
  • Census Tract 418
  • Census Tract 419
  • Census Tract 420
Baldwin County, AL
  • Census Tract 101
  • Census Tract 102
  • Census Tract 104
  • Census Tract 105
  • Census Tract 106
  • Census Tract 107.01
  • Census Tract 107.04
  • Census Tract 107.05
  • Census Tract 108
  • Census Tract 109.02
  • Census Tract 110
  • Census Tract 111
  • Census Tract 112.01
  • Census Tract 112.02
  • Census Tract 114.01
  • Census Tract 114.03
  • Census Tract 114.04
  • Census Tract 115
  • Census Tract 116
Mobile County, AL
  • Census Tract 002
  • Census Tract 004.01
  • Census Tract 004.02
  • Census Tract 005
  • Census Tract 006
  • Census Tract 007.01
  • Census Tract 007.02
  • Census Tract 008
  • Census Tract 009.01
  • Census Tract 009.03
  • Census Tract 010.01
  • Census Tract 010.02
  • Census Tract 011
  • Census Tract 012
  • Census Tract 013.02
  • Census Tract 014
  • Census Tract 015.01
  • Census Tract 015.02
  • Census Tract 016
  • Census Tract 017
  • Census Tract 018
  • Census Tract 019.01
  • Census Tract 019.02
  • Census Tract 021
  • Census Tract 022
  • Census Tract 023.01
  • Census Tract 023.02
  • Census Tract 024
  • Census Tract 026
  • Census Tract 027
  • Census Tract 028
  • Census Tract 029
  • Census Tract 030
  • Census Tract 032.02
  • Census Tract 032.03
  • Census Tract 032.04
  • Census Tract 032.05
  • Census Tract 034.02
  • Census Tract 034.04
  • Census Tract 034.08
  • Census Tract 036.02
  • Census Tract 036.05
  • Census Tract 036.06
  • Census Tract 036.07
  • Census Tract 038
  • Census Tract 039.01
  • Census Tract 039.02
  • Census Tract 040
  • Census Tract 041
  • Census Tract 042
  • Census Tract 043
  • Census Tract 044
  • Census Tract 045
  • Census Tract 046
  • Census Tract 047
  • Census Tract 048
  • Census Tract 049
  • Census Tract 050
  • Census Tract 051
  • Census Tract 052
  • Census Tract 053
  • Census Tract 054
  • Census Tract 055
  • Census Tract 058
  • Census Tract 059
  • Census Tract 060
  • Census Tract 061.03
  • Census Tract 061.04
  • Census Tract 061.05
  • Census Tract 062
  • Census Tract 063.01
  • Census Tract 064.02
  • Census Tract 064.03
  • Census Tract 066
  • Census Tract 067
  • Census Tract 068.02
  • Census Tract 069.01
  • Census Tract 069.02
  • Census Tract 071.01
  • Census Tract 071.02
  • Census Tract 073
Please keep in mind that, in order to qualify for membership with Tyndall, you only need to do one of the following things in a qualifying area - work, live, attend school, worship, or volunteer.

Employer or Organization

What company do you work for? Or, what organizations do you belong to?

You may qualify for membership if you are employed by, or are retired from, any of the employers (Select Employee Groups) we serve, or if you belong to one of the groups/organizations we serve.

One of the most common ways to qualify for membership is through your employer. Select Employee Groups (SEGs) are companies that have selected Tyndall as their primary financial services resource and want to extend Tyndall financial services to their employees. A SEG is an employer-Credit Union relationship that ensures member eligibility for its employees at no cost.

Businesses and organizations in our Field of Membership are local to the communities we serve. Unless otherwise stated, qualification for membership applies to employees who are paid from or are supervised from Panama City or Panama City Beach, FL.

Please note that this is not a complete list.  If you have questions, please visit one of our branches, start a Video Banking call or contact our Contact Center at 850-769-9999 (888-896-3255, toll-free)

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  • 144th Transportation Company, Florida Army National Guard, Marianna, FL – civilian and military personnel
  • 653rd Service Company, Florida Army National Guard, Perry, FL – civilian and military personnel of the U.S. Government
 
 

A

  • Advance Home Health Care (provided by Gulf Coast Hospital)
  • Advanced Eye Care of Bay County, P.A.
  • Air Force Exchange (AAFES) at Tyndall Air Force Base, employees & concessionaires
  • Alabama Hunger Relief, Stapleton, AL – employees
  • Allied countries and NATO Alliance countries, military or civilian personnel assigned to Tyndall AFB for at least 2 years
  • American Red Cross at Tyndall Air Force Base
  • Anchorage Children’s Home – Bay, Gulf, Holmes, Washington, Jackson, and Calhoun Counties, FL
  • Andrews Brothers Printing, employees who work in or are paid from Ft. Walton Beach, FL
  • Apalachicola, City of – Commissioners and employees
  • Apalachicola Northern Railroad, Port St. Joe, FL
  • Arizona Chemical, Panama City & Port St. Joe, FL
 
 

B

  • Bay County - employees & elected and appointed officials
  • Bay County Chamber of Commerce
  • Bay County Guidance Clinic
  • Bay County International Airport
  • Bay County Land & Abstract Co., Inc.
  • Bay County Sheriff's Office
  • Bay Lincoln Mercury Dodge (Panhandle Automotive)
  • Bay Line Railroad
  • Bayco Development Company, Inc. (d.b.a. GlenCove Nursing Pavilion)
  • Bay Medical Center, Panama City – employees, doctors, medical staff, technicians, and volunteers
  • Bay Radiology Associates, P.A.
  • Beach Mosquito Control District, PC Beach
  • Bell Signs, Inc.
  • Beltone Hearing Center
  • Bonifay, City of
  • Bonifay Manufacturing, Inc., Bonifay, FL
  • Brain and Spine Center, LLC
  • Brehon Family Services, Inc. – employees and Officers who work in, or are paid or supervised from Tallahassee, FL
  • Broadband Tele Communications, Inc.
  • Buzz Leonard Motors, Inc.
 
 

C

  • C & C Manufacturing, Inc.
  • Callaway, City of - employees & elected and appointed officials
  • Campbellton-Graceville Hospital, Graceville – employees, doctors, medical staff, technicians, and volunteers
  • Cedar Grove, City of - employees & elected and appointed officials
  • Chemical Addiction Recovery Effort (CARE)
  • Chipley, City of - employees & elected and appointed officials
  • Civilian personnel of the U.S. Government (Civil Service) Employees who have received PCS orders to Tyndall Air Force Base
  • Civilian (Civil Service) personnel of the Department of Defense who work at, are assigned to, or are logistically supported by Tyndall Air Force Base, FL
  • Coastal Conservation Association, Eastern Shore Chapter in Fairhope, AL - employees and volunteers
  • Condé Systems, Inc., Mobile, AL
  • Contractors who work regularly at Eglin AFB test Site D-3, Port St. Joe, FL
  • Contractors who work regularly at Tyndall Air Force Base under contract with the U.S. Government
  • Corrections Corporation of America (CCA), Bay County Jail
  • Cory Everson’s Fitness for Women
  • Cox Building Corporation/Cox Pools, PC Beach, FL
  • Covenant Hospice - employees who work in, or are paid or supervised from Daphne, AL
  • Covenant Hospice - employees who work in, or are paid or supervised from Mobile, AL
  • Covenant Hospice - employees who work in, or are paid or supervised from Panama City, FL
  • Curry Printing
 

D

  • Dave Pybus Electric
  • Delta Health Care (d.b.a. Panama City Nursing)
  • Department of Environmental Regulation
  • Discount Realty Services – St. Joe Brokers, Port St. Joe, FL
  • Douglas A. Munroe, Inc. American Legion Post 356, members of
  •  

E

  • Early Education and Care, Inc. (formerly Early Childhood Services)
  • Eastern Shipbuilding Group
  • Ebro, City of, employees & elected and appointed officials
  • Edgewater Beach Resort Management, Inc., PC Beach, FL
  • Emerald Coast Realty, PC Beach, FL
  • Engineering & Equipment Company
  • Enterprise State Community College, employees & students, Enterprise, AL
 
 

F

  • Fair point Communication (formerly GTC, Inc.), Port St. Joe, FL
  • Federal Bureau of Investigation
  • Florida Department of Environmental Protection
  • Florida Panhandle Health Education Resource Center
  • Florida Panhandle Health System Agency, Inc.
  • Florida Public Utilities, Marianna, FL
  • Florida Game and Fresh Water Fish Commission, Northwest Region
  • Franklin County - employees & elected and appointed officials
 

G

  • G & D Speed’s Construction, Inc.
  • GAC Contractors (formerly Gulf Asphalt)
  • Gangwisch, Arnold C. DMD, P.A. – Lynn Haven, FL
  • George E. Weems Memorial Hospital, Apalachicola – employees, doctors, medical staff, technicians, and volunteers
  • Gerlecz, Joseph M., D.D.S., Lynn Haven, FL
  • GlenCove Nursing Pavilion (Bayco Development Company, Inc.)
  • Governors Charter Academy in Tallahassee, FL - employees, students, and volunteers
  • Great Days Publishing, LLC employees who work in, or are paid or supervised from Stapleton, AL
  • Griffin Middle School - employees who work in, or are paid or supervised from Tallahassee, FL
  • Gulf Coast Convalescent Center
  • Gulf Coast Medical Center - employees, doctors, medical staff, technicians, medical & nursing students, and volunteers
  • Gulf County - employees & elected and appointed officials
  • Gulf County Guidance Clinic
  • Gulf County Health Department, Port St. Joe, FL
  • Gulf Mosquito Control District, PC Beach, FL
  • Gulf Pines Hospital, Inc., Port St. Joe, FL
  • GVA Advantis, PC Beach, FL
 
 

H

  • HealthSouth Emerald Coast Rehabilitation Hospital
  • Honeywell Friction Materials, Lynn Haven, FL
  • Houston-Love Memorial Library, Dothan, AL, employees
 
 

I

  • Imagine School at Evening Rose - employees who work in, or are paid or supervised from Tallahassee, FL
  • Intergras Therapy and Wellness Center, Inc.
  • Internal Revenue Service
 
 

J

  • Jackson County Sheriff's Department - Marianna, FL
  • Jackson Hospital, Marianna, FL – employees, doctors, medical staff, technicians, and volunteers
  • Jensen USA, Inc.
 
 

K

  • Kerigan Marketing Associates, Inc., Mexico Beach, FL
  • Knology of Panama City
 
 

L

  • Leon County Government - employees & elected and appointed officials
  • Life Management Center
  • Locos restaurant (Vittles Companies, Inc.)
  • Lynn Haven, City of - employees & elected and appointed officials
 
 

M

  • Manuel & Thompson, P.A.
  • Marine Inland Fabricators, Lynn Haven, FL
  • Marquis Management Group, Inc. and Emerald Coast Hospital (common ownership), Port
  • St. Joe, Apalachicola, Tallahassee, Marianna, Wewahitchka, Panama City, and Carrabelle, FL, and Newport News, VA
  • Mathison Retirement Center
  • Merrick Industries, Lynn Haven, FL
  • Mexico Beach, City of - employees & elected and appointed officials
  • Military personnel who have received PCS orders to Tyndall Air Force Base
  • Military personnel who have separated from the Armed Forces, who are receiving (or have applied for) Veteran’s Disability Compensation, and regularly use the hospital services at Tyndall Air Force Base
  • Military personnel (Department of Defense ) who work at, are assigned to, or are logistically supported by Tyndall Air Force Base, FL
  • Miller, Stephen K., M.D.
  • Mobile BayBears Baseball employees who work in, or are paid or supervised from Mobile, Alabama
  • Montenay Bay, LLC
 
 

N

  • National Association of Retired Federal Employees (NARFE) – members of the following chapters: Panama City Chapter #783, Bay County Chapter #1305, Lynn Haven Chapter #1440
  • National Weather Service, Apalachicola, FL
  • Nephrology Associates, P.A.
  • Neubauer Real Estate, Inc.
  • Nextel Partners, Inc.
  • Non-Appropriated Fund Activities (NAF) at Tyndall Air Force Base
  • Northwest Florida Drug Council
  • Northwest Florida/Big Bend Health Councils 
 

O

  • Ocean Systems Engineering Corporation, PC Beach, FL
  • Oceaneering International, Inc. – Multiflex U.S.
  • Office of the State Attorney, Second Judicial Circuit
  • Office of the State Attorney Public Defender, 14th Judicial Circuit - Bay, Calhoun, Gulf, Holmes, Jackson, and Washington Counties, FL
  • Office of the State Attorney, Second Judicial Circuit, who work in Apalachicola, FL 
 

P

  • Panama City, City of - employees & elected and appointed officials
  • Panama City Beach, City of - employees & elected and appointed officials
  • Panama City Development Center
  • Panama City Dialysis Center
  • Panama City Housing Authority – employees & Directors
  • Panama City Lions Club, voting members of
  • Panama City Nursing (Delta Health Care)
  • Panama City Port Authority, employees & elected and appointed officials
  • Panama City Toyota
  • Panhandle Anesthesiologists, Inc.
  • Panhandle Area Health Network, Marianna, FL
  • Panhandle Automotive d.b.a. Bay Lincoln Mercury Dodge
  • Parker, City of - employees & elected and appointed officials
  • Parker Fire Department, volunteers
  • Pat Green Heating and Cooling, Inc.
  • Pate Electric, Inc.
  • Peaden Air Conditioning & Heating, Inc.
  • Peaden Service, Inc.
  • Po Folks restaurant (Vittles Companies, Inc.)
  • Port St. Joe, City of - employees & elected and appointed officials
  • Post Electric, Inc. 
 

Q

  • Quality Inn & Suites (Panama City)
 
 

R

  • Retired persons who are Pensioners or Annuitants from any employer in the TFCU Field of Membership
  • Retired U.S. Armed Forces members, or their dependents, or their dependent survivors who are eligible to receive and are receiving benefits or services from Tyndall Air Force Base, FL
 

S

  • Science & Discovery Center, Panama City, FL, employees
  • Shumaker, Inc.
  • Sil’s Home Center
  • Smith, Stephen M., M.D. and Stephen G. Smith, M.D.
  • Social Security Administration
  • Southern Cancer Center, Daphne, AL
  • Springfield, City of - employees & elected and appointed officials
  • St. Joseph Bay Country Club, Port St. Joe, FL – employees and members
  • St. Joseph Telephone & Telegraph Company, Port St. Joe, FL
  • Student Loan Marketing Association (Sallie Mae), Lynn Haven, FL
 

T

  • TECO Peoples Gas
  • The Eye Center of North Florida
  • Thomas Drive Volunteer Fire Department, PC Beach, FL
  • Tipton, Charles A., CPA, PC Beach
  • Tommy Thomas Chevrolet
  • Tommy Thomas Chevrolet-Cadillac, Inc., Graceville, FL
  • Trane Company
  • Tri-County Community Council – Holmes, Walton, or Washington Counties, FL
  • Triple “J” Steakhouse restaurant (Vittles Companies, Inc.)
  • Tyndall Federal Credit Union
 
 

U

  • U.S. Air Force Reserve personnel, 919th Special Operations Group (AFRES), Bay County, FL
  • U.S. Army Corps of Engineers
  • U.S. Armed Forces members (active or retired), dependents, or their dependent survivors who are eligible to receive and are receiving benefits or services from Tyndall Air Force Base
  • U.S. Army National Guard units, military and U.S. government civilian personnel – Franklin & Gulf Counties, FL
  • U.S. Army Reserve personnel who train regularly at 1215 15th St., Panama City, FL
  • U.S. Coast Guard Station, Panama City, FL
  • U.S. Customs Service
  • U.S. Department of Justice, Drug Enforcement Administration
  • U.S. Department of Labor, Wage and Hour Division
  • U.S. Fish & Wildlife Service, Department of the Interior, Bay County, FL
  • U.S. Navy personnel stationed at CSS – active duty
  • USO at Tyndall Air Force Base
 

V

  • Village Cleaners (Southeast Alabama Fabricare), Dothan, AL
  • Virgie's Perfect Cuts, Inc., Lynn Haven, FL
  • Vittles Companies, Inc. (includes Po Folks, Locos, and Triple “J” Steakhouse restaurants)
 

W

  • Washington County - employees & elected and appointed officials
  • Wayne’s World RV Supercenter, PC Beach, FL
  • Wellsprings Home Health Care, Inc., Carrabelle, FL
  • West Florida Natural Gas Company
  • Wewahitchka, City of - employees & elected and appointed officials
  • Wewahitchka Medical Center, Wewahitchka – employees, doctors, medical staff, technicians, and volunteers
  • Williams Earth Sciences, Inc.
  • WMBB-TV 13
 
 

X

 
 

Y

 
 

Z

 

Relationship

Have a family member who is already a Tyndall member? That relationship may be your ticket in, too. You may qualify for membership if you’re immediate relative, or a member of your household, is within our Field of Membership. "Immediate relative" includes your spouse, parent, child, brother, sister, grandparent, grandchild, stepparent, stepchild, stepbrother, or stepsister.

Military/Government Affiliation

Are you currently stationed at or working at Tyndall Air Force Base? You may qualify for membership if you are an active duty or retired military member who is stationed at, working at, has received orders to, or is using services at Tyndall Air Force Base, FL. You also qualify for membership if you are a civil service employee or a government contractor at Tyndall.

Have a question about Tyndall Membership Eligibility?

Please do not include any account information when submitting this form.