Tba

PO BOX 1049, Traverse City, MI 49685

NCUA Insured4.5 (98 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1955

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 Traverse City, MI 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 1955

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 1049

Traverse City, MI 49685

Google Maps 🗺Waze

(231) 946-7090

Service Area

This credit union is located in Traverse City and serves members in the MI area. Currently serving 20,639 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

7.04%

Used Auto Loan

8.33%

Personal Loan

9.96%

Credit Card APR

17.86%

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 MI

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

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

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

Branches & Locations(2 total)

Member Reviews

4.5

98 Google reviews

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

View on Google Maps

Leo

4 months ago

Was considering moving over to TBA from another CU as I've heard good things. I stopped by both branches and was turned away, they said they didn't have anyone available to do a new account opening. There were many workers sitting around doing other things that could have easily helped. New membership seems like something that should be a priority for them. Thankfully, it was the red flag I needed! I went to 4Front Credit Union next, and I had an account opened within 15 minutes! I highly recommend 4Front Credit Union.

Ryan Nichols

a month ago

Our experience with TBA Credit Union has been great. Katie especially is always very helpful and friendly. Thank you!

Melissa Buchanan

9 months ago

Absolutely love TBA Credit Union I have been going here for years and have an amazing experience every time. The staff is so friendly and so helpful. One of the best views in town, a bay view ! Thankful to have such a Great community bank.

Bondo Guy

8 months ago

I was having a bad day until I walk into TBA Credit Union on front street in Traverse City. I was welcomed and greeted wholsomely by all the branch team members. I left TBA Crredit Union with a smile. Thank y'all so much! 😸

Andrew Sloat

a year ago

I absolutely love TBA! All the ladies there have been such a joy to conduct business with over the years. I love going inside and getting familiar and friendly with everyone there. I especially like Melissa Kreger. She's a powerhouse, and she stopped a fraudulent check going into my business account which could have been catastrophic to my business. Melissa is absolutely great! I hope she stays here forever because I definitely plan on it!