The Tower Advantage
Our members earn and save $49 million1 more! And that's just the beginning.
Better rates. Less fees. More cash back.
Whether you are buying your first home or shopping online you'll save big with our low loan rates, generous credit card rewards, and member-only perks!
Free Checking
Tower's free checking and higher savings rates helps you grow your money faster, without pesky fees.
- No minimum balance or monthly fee
- Get cash at over 30,000 free ATMs nationwide.
- Grow your savings with rates consistently higher than the industry average.
Car Buying
Get exclusive savings and discounted auto loan rates with the Tower Car Buying Service, powered by TrueCar.
- Our members save an average of $2,177 off MSRP.†
- Find a vehicle
- View auto loan rates
Shop and Save
We have the right credit card to fit your lifestyle and spending needs.
- Enjoy 1.5% unlimited cash back on purchases and a low intro rate with our World Mastercard.
- Compare credit cards.
Home Buying
When you buy or sell your home with our HomeAdvantage program, you can get thousands back at settlement.
- Our members earn an average of $2,057 in cash rewards!ǂ
- Save with our low mortgage rates and no-money-down 100% financing options.*
- Member exclusive! Take 0.25% off fixed mortgage rates for primary & second home purchases.
- View mortgage rates
It all adds up—Tower membership gives you more. That's the Tower Advantage!
1Dollar value shown represents the results of the 2021 Tower Federal Credit Union Member Value Study. Annual member value is estimated by comparing the average interest and dividend rates of Tower’s loan and deposit product portfolios versus average local bank and credit union rates for similar products from external sources like RateWatch. We also compared Tower’s fees to the advertised fees of local banks. Additionally, we totaled the actual cash value of product incentives and other benefits that Tower offers to its members. The estimated savings and earnings are for illustrative purposes only and your actual earnings and savings may differ based on the account terms and conditions, rates and fees. There is no guarantee of savings or earnings either expressed or implied.
†Between 1/1/21 and 12/31/21, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Tower Federal Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $2,177. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer’s trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.
*100% financing available for purchases of primary residences in MD, DC, VA, TX, CO and FL for loan amounts up to $726,200 and LTV’s of 97.01% to 100%. (Condominiums are excluded for FL.)
ǂSee tower.mycuhomeadvantage.com for complete details.
A smarter way forward
With big-time financial benefits, find out how much more you can accomplish with Tower.