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Tower

PO BOX 1280, Laurel, MD 20725
NCUA Insured2.8 (178 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

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

Location & Directions

Address

PO BOX 1280

Laurel, MD 20725

Service Area

This credit union is located in Laurel and serves members in the MD area. Currently serving 216,226 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

4.24%

Used Auto Loan

5.24%

Personal Loan

7.24%

Credit Card APR

10.92%

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 MD

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

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

Branches & Locations(17 total)

Member Reviews

2.8

178 Google reviews

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

View on Google Maps
Levi James

Levi James

7 months ago

There’s a reason why this place is a 2.8 star. Don’t bank with them. They aren’t communicative and they only want to collect money. The collections departmentn needs a clean up bad. They have horrible customer service skills and they aren’t attentive. They aren’t here to help you, they are here to help ruin the credit you have. How can you record phone calls but can’t reference them ? How can someone tell you they accept gap through them but they purposely deny you on their end ? Janky bank. I do not recommend

Peter Lewnes

Peter Lewnes

6 months ago

Once again for the 3rd time this season my wife is unable to use her debit card for online xmas shopping and now again unable to pay bills on line. No access to customer service support or tower talk on weekends. To bad we can't leave 0 stars! Maybe if they checked there reviews a change might happen. Once a 5 star bank the Laurel branch has turned into a revolving door with no leadership. Beware!

Michael

Michael

8 months ago

To their response: there is no need for me to take more time to call them when I clearly stated what the issue is. Review: Before thinking about moving any accounts over, look at how illogical the security questions are. Whoever decided on them would also think that a great question was, "who was your brother's fiance's ex-boyfriend's neighbor's cousin's cat's nickname?" Might seem secure, but even you won't be able to access your accounts Might copy & paste to all locations to help notify anyone interested

Lori Leffel

Lori Leffel

3 months ago

Chris was wonderful to work with and took care of an issue caused at a different location. Being able to work with him and get the best support quickly gave me peace of mind and highly appreciated his support.

Eva Mejia

Eva Mejia

9 months ago

End of an Era. Member for 20 years and now I am officially moving on. I signed up for a membership at 16 years old (2 weeks shy of my 17th birthday). It was fine at first. Not anymore. I am disappointed because I always referred people to sign up. I regret that. Tower did not release my paycheck and I had autopay on bills. Got hit with 7 fees. They blamed my payroll. It wasn’t my payroll. I confirmed with them it was Tower’s fault. I have money going into 2 other credit unions and the money was there on time. Tower then blamed the holiday. Then the released my paycheck at 7:52 am. That never happens it’s always around 6 pm. They won’t refund the fees. I said I am done and now my paycheck is going in Navy Federal who assured me I will not be treated how Tower treated me. Plus Navy is open 24/7 unlike Tower you call after hours and it’s shady third party people. Beyond disappointed and hurt.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).