Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions
Tulare County Federal Credit Union has served Tulare County for over 80 years, founded in 1939 by educators to support local teachers. We expanded our membership in 2002 to include all county residents while maintaining our educational focus. As a not-for-profit, member-owned institution, we return profits through competitive rates, low fees, and personalized service. Our leadership consists of volunteer members dedicated to your financial well-being. We offer tailored solutions for individuals, students, and businesses, including checking, savings, loans, and credit cards.Our commitment to community education includes a student-run branch and financial literacy programs. Federally insured by NCUA, we prioritize security, transparency, and member satisfaction. With three branches and digital banking, we combine convenience with local expertise. Our mission centers on building lifelong relationships to enhance members' financial success. For over eight decades, we've adapted to evolving needs while upholding trust, reliability, and community-driven values.
Services
Checking Accounts
Savings Accounts
Auto Loans
Home Loans
Credit Cards
Share Certificates
Personal Loans
Digital Banking
Financial Education
HSA Accounts
Details
- Year established: 1939
Highlights and features
- 86 years of serving Tulare County with community-focused banking
- Member-owned structure returns profits through better rates and lower fees
- Offers solar, auto, and home loans with competitive APRs
- Provides financial literacy programs and student-run branch initiatives
- Federally insured by NCUA for member security and trust
Associations and certifications
- NCUA
What people say
Best solar loan rates
Friendly staff
Enjoyable banking experience
40-year loyalty
Great service security
Services
Checking Accounts
We offer no-minimum checking accounts with debit cards, mobile deposits, and overdraft protection. Our Simple Checking and Student Checking accounts serve diverse financial needs. Digital banking tools enable real-time transaction tracking and bill payments.
Auto Loans
Competitive auto loans start at 4.46% APR with terms up to 84 months. We provide $0 down financing, mechanical breakdown insurance, and GAP coverage. Our Auto Starter Program assists first-time buyers with flexible approval criteria.
Home Loans
30-year fixed mortgages available at 5.99% APR. We offer conventional loans, HELOCs, and second mortgages with terms up to 20 years. Our partnership with Member First Mortgage provides refinance solutions for primary and investment properties.
Share Certificates
Secure savings options with fixed rates up to 4.08% APY. Terms range from three months to five years with $1,000 minimum deposits. Interest compounds monthly, and early withdrawal penalties apply to maintain investment integrity.
Digital Banking
24/7 digital access includes mobile check deposits, real-time alerts, and person-to-person payments. Our app enables card management, document sharing, and secure chat with staff. Bill Pay features simplify recurring payments and gift transfers.
Questions
How do I become a member?
Visit any Tulare County branch with ID and proof of Tulare County residency. Membership requires a $25 minimum deposit in a savings account.
What loan types do you offer?
We provide auto, home, personal, and student loans alongside credit cards. Special programs include solar financing and first-time buyer assistance.
Is my money insured?
All deposits are federally insured up to $250,000 by the NCUA, a U.S. government agency protecting credit union members.
Do you have mobile banking?
Yes, our mobile app enables check deposits, bill payments, card management, and real-time account monitoring from any smartphone or tablet.
Can I skip loan payments?
Existing members may skip November or December payments for $35 fee through our Holiday Skip-A-Payment program.