Tyndall Federal Credit Union

Headquarters

Po Box 59760
Panama City, FL 32412
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.01%	4.66% →
1-Year CD	2.50%	4.59% →
2-Year CD	2.75%	4.25% →
5-Year CD	3.50%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Tyndall is an NCUA insured institution located in Panama City, FL. It was founded in 1956 and has approximately $1892.54 millions in assets.

Who can join?

You may qualify for membership:

By Relationship - Your immediate relative is within the Tyndall Federal Field of Membership. "Immediate relative" includes spouse, parent, child, brother, sister, grandparent, grandchild, stepparent, stepchild, stepbrother, stepsister, adoptive relation, or household member.

By Military/Government Affiliation - 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 AFB, FL

By Employer or Organization - You are employed by or are retired from one of the employers (Select Employee Groups).

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

Geographically - You live, work, worship, or attend school:

in one of the following zip codes in Bay County, FL:
32401, 32402, 32403, 32406, 32407, 32409, 32410, 32411, 32412, 32413, 32417, 32438

in a specific census tract area of one of the following zip codes in Bay County, FL:
32404, 32405, 32408, 32444, 32466

anywhere in Calhoun, Franklin, Gulf, Holmes, Jackson, Walton, or Washington County, FL

in a specific census tract area of
Leon County, FL
Okaloosa County, FL
Houston County, AL
Mobile County, AL
Baldwin County, AL


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 10754
Date Established	1956
Assets	$1,892.54 million
Loans	$999.04 million
Deposits	$1,647.68 million
Capital	$227.14 million

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.

Deposit Rates - July 5, 2025

Your Current Location: New York, NY 10116

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.01%	$5	-	Learn More Reviews
Money Market	0.75%	$1,000	$9,999	Learn More Reviews
Money Market	1.00%	$10,000	$24,999	Learn More Reviews
Money Market	1.25%	$25,000	$49,999	Learn More Reviews
Money Market	1.50%	$50,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
12 Mo CD	2.50%	$1,000	-	Learn More Reviews
13 Mo CD	3.75%	$1,000	-	Learn More Reviews
24 Mo CD	2.75%	$1,000	-	Learn More Reviews
36 Mo CD	3.00%	$1,000	-	Learn More Reviews
48 Mo CD	3.25%	$1,000	-	Learn More Reviews
60 Mo CD	3.50%	$1,000	-	Learn More Reviews

Loan Rates - July 5, 2025

Your Current Location: New York, NY 10116

There are currently no loan rates available for Tyndall

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New York 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 292473	6.357%	6.250%	0.50	$3,633	$1,971	Learn More
NMLS ID: 401822	6.632%	6.500%	0.75	$4,395	$2,023	Learn More
NMLS ID: 3030						Learn More
NMLS ID: 401822						Learn More

See More Mortgage Rates →

Featured - New York Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

Note to Tyndall
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Tyndall branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
New York City,New York

Tyndall Locations around zip code 10116

Branch	Distance	Map	View Lobby Hours
Dothan	892.15	A	View Lobby Hours
Marianna	909.51	B	View Lobby Hours
Chipley	920.37	C	View Lobby Hours
Lynn Haven	951.33	D	View Lobby Hours
Operations Center	952.83	E	View Lobby Hours
Panama City	953.54	F	View Lobby Hours
Tyndall Air Force Base Branch	954.26	G	View Lobby Hours
Parker	954.81	H	View Lobby Hours
Thomas Drive	958.71	I	View Lobby Hours
Beach	959.50	J	View Lobby Hours
Port St Joe	962.12	K	View Lobby Hours
Mobile LPO	1024.29	L	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

TYNDALL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Tyndall Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Tyndall. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Tyndall	U.S. Average
1.24%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Tyndall had $2,843,743 in non-current loans and $3,218 in owned assets. To cover these potential losses it had $227,136,504 in net worth and $2,899,184 in loans loss reserves. That gives it a Texas Ratio of 1.24%.

Net Worth

Tyndall	U.S. Average
12%	14.25%

Tyndall FCU has a net worth of 12% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Tyndall

yarbroughangie.80@gmail.com

January 18, 2022

Need to see form for wiring money from another state to Panama City Florida USA

Is this review helpful? Yes:0 / No: 0
yarbroughangie.80@gmail.com

January 18, 2022 |

Does Tyndall Federal Credit Union in Panama City Florida
Swift Code when wiring money
From state to state in the USA

Is this review helpful? Yes:0 / No: 0
Bestcascow

August 1, 2021 |

I need to edit my review for Debbie of Tyndall Federal Credit Union of which show 3 Stars but I know I pressed 5 stars. Have your software engineer upgrade the Codes on this site for editing capabilities to ensure accurate reviews in the future for all members.

Is this review helpful? Yes:0 / No: 0
DEBBIE BEASOCK & TFCU

August 1, 2021 |

The Best Credit Union in the USA

Is this review helpful? Yes:1 / No: 0
M

August 1, 2021 |

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! :)

Is this review helpful? Yes:1 / No: 1

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