Rates

As a financial cooperative owned by its members, Tyndall is committed to serving members rather than stockholders. This means that earnings get passed on to you in the form of higher deposit rates and lower loan rates.

Loan Rates

New Auto/Truck

Effective as of May 26, 2026

Maximum Term APR1 As Low As Monthly Payment Per $1000
36 Months 3.24% $29.23
48 Months 4.64% $22.92
60 Months 4.89% $18.87
75 Months2 5.39% $15.78
84 Months3 5.69% $14.50

Up to one model year old. Monthly payment per $1,000 is an estimated amount per $1,000 financed and can be subject to other variables that may result in a slight variance from the posted amounts above.

  1. APR = Annual Percentage Rate. Terms & disclosures
  2. $15,000 Minimum Loan Amount
  3. $20,000 Minimum Loan Amount

Used Auto/Truck

Effective as of May 26, 2026

Maximum Term APR1 As Low As Monthly Payment Per $1000
36 Months 3.24% $29.23
48 Months 4.79% $22.99
60 Months 4.89% $18.87
75 Months2 5.39% $15.78
84 Months3 5.69% $14.50

Vehicle must be 10 model years old or newer. Monthly payment per $1,000 is an estimated amount per $1,000 financed and can be subject to other variables that may result in a slight variance from the posted amounts above.

  1. APR = Annual Percentage Rate. Terms & disclosures
  2. $15,000 Minimum Loan Amount
  3. $20,000 Minimum Loan Amount; 76-84 mo term: Max 5 model years and 75,000 miles

Mortgage

Effective as of Sep 14, 2026

Type APR1
30-Year Fixed 6.625%
15-Year Fixed 6.000%
7-Year/6-Month ARM - 30 & 15 Year 7.250%
  1. APR = Annual Percentage Rate.

Home Equity Line of Credit

Effective as of May 26, 2026

Loan-to-Value APR1 As Low As
80% 6.74%
  1. APR = Annual Percentage Rate. Terms & disclosures

Home Equity Loan

Effective as of May 26, 2026

Maximum Term Combined Loan-to-value APR1 As Low As
5 Years 80% 5.875%
10 Years 80% 6.000%
15 Years 80% 6.500%
20 Years 80% 7.00%
  1. APR = Annual Percentage Rate. Terms & disclosures

Credit Card1

Effective as of Sep 1, 2026

Type Lowest APR (Variable) Highest APR (Variable)
Credit Card 10.49% 12.99%
Secured Credit Card 16.49% 17.99%
  1. View Credit Card disclosures
    View the Credit Card Agreement & Truth in Lending Disclosure.

Personal Unsecured Loan

Effective as of May 26, 2026

Maximum Term APR1 As Low As
48 Months 9.99%
60 Months 10.29%
  1. APR = Annual Percentage Rate. Terms & disclosures

Account Rates

Regular Share1

Effective as of Jan 6, 2026

Deposit Amount Minimum to Open and Earn APY Dividend Rate APY2
$999.99 or Below $5 0.01% 0.01%
$1,000.00-$24,999.99 $5 0.01% 0.01%
$25,000.00-$49,999.99 $5 0.01% 0.01%
$50,000 and Above $5 0.01% 0.01%
  1. APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
  2. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Money Market1

Effective as of Jan 6, 2026

Deposit Amount Minimum to Open and Earn APY Dividend Rate APY2
$999.99 or Below $1,000 0.00% 0.00%
$1,000.00 - $9,999.99 $1,000 0.50% 0.50%
$10,000.00 - $24,999.99 $1,000 0.75% 0.75%
$25,000.00-$49,999.99 $1,000 1.00% 1.00%
$50,000 and Above $1,000 1.24% 1.25%
  1. APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
  2. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Club Account1

Effective as of Jan 6, 2026

  1. APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened.
  2. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Certificate1

Effective as of Jan 6, 2026

Term Minimum to Open and Earn APY Dividend Rate APY2
7-Month $1,000 3.20% 3.25%
12-Month $1,000 2.47% 2.50%
24-Month $1,000 2.72% 2.75%
36-Month $1,000 2.96% 3.00%
48-Month $1,000 3.06% 3.10%
60-Month $1,000 3.20% 3.25%
  1. For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
  2. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

*APY = Annual Percentage Yield. The APY is based on the assumption that dividends will remain in the account until maturity. A withdrawal of dividends will reduce earnings. Fees may reduce earnings. The compounding and crediting of dividends applicable to the account is set forth in the Rate Schedule. A penalty may be imposed for early withdrawal. Membership required; NO membership fee applies.

IRA Contributory

Effective as of Jan 6, 2026

Term Minimum to Open and Earn APY Dividend Rate APY1
$50 & Above $50 1.98% 2.00%
  1. For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

IRA Certificate1

Effective as of Jan 6, 2026

Term Minimum to Open and Earn APY Dividend Rate APY2
12-Month $1,000 2.47% 2.50%
24-Month $1,000 2.72% 2.75%
36-Month $1,000 2.96% 3.00%
48-Month $1,000 3.06% 3.10%
60-Month $1,000 3.20% 3.25%
  1. For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. 
  2. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

Checking

Effective as of Jan 6, 2026

Deposit Amount Minimum to Open and Earn APY1 Dividend Rate APY2
$25 & Above $25 0.00% 0.00%
  1. APY = Annual Percentage Yield. The APY on variable rate accounts (Share, Checking, Money Market, Club, & Uniform Gift to Minors Accounts) may change after the account is opened. Minimum opening deposit is $25; no minimum balance requirement.
  2. The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

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