Tlcu Financial

PO BOX 804, Mishawaka, IN 46546

NCUA Insured4.3 (50 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Mishawaka, IN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 804

Mishawaka, IN 46546

Google Maps 🗺Waze

(574) 255-3193

Service Area

This credit union is located in Mishawaka and serves members in the IN area. Currently serving 3,907 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

6.24%

Personal Loan

12.00%

Credit Card APR

11.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IN

Lowest rates currently reported by credit unions in IN (NCUA Q4 2025).

Everwise— New Auto Loan

South Bend, IN

2.39%

Family Horizons— Used Auto Loan

Indianapolis, IN

3.40%

Hobart Ind School Employees— Personal Loan

Hobart, IN

4.00%

Power One— Credit Card APR

Fort Wayne, IN

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.3

50 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Tonya Matthews

3 months ago

I love ❣️ my credit union. One of the best I've ever joined. Always helpful and very compassionate when issues arise.

Noelle Warren

6 months ago

I came to the credit union firmly believing that no one would help me with overwhelming debt as well as holidays…. Colton sat down with me immediately and helped us come up with a viable solution. I am grateful. Thank you TLCU

Howard Andrews

10 months ago

My experience with TLCU is always awesome. Jasmine at the Mishawaka Branch always gives me best service. I'm truly grateful for her service. Thank you Jasmine!!!! Howard Andrews

Tammy Salamon

a year ago

Being new to this financial institution, I'am very pleased with the whole process of joining. 5 star rating from being greeted at entrance until my transactions are complete. Carol Smith, in the loan dept. went over and beyond to make things clear and precise. I left actually with the feeling like I belonged there. The other credit unions could learn a thing from Carol and the rest of the staff.

Pat Smith

2 years ago

I've been with taper lock since 1979 and I've never had a problem. You guys rock. Courtney did a fine job helping me and my wife .she is a keeper. She answered all of my questions. And just want to say thank you all.