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You save money by joining Tower. Earnings are returned to members in lower loan rates, FREE checking, and no or low fee services.

It only takes a $15 deposit to open a savings and checking account and become a lifetime member of Tower.

  • FREE checking — no monthly fee, service charges or minimum balance requirement, plus earn dividends on every dollar
  • FREE Mastercard® debit card with FREE Debit Rewards
  • Unlimited access to over 30,000 free ATMs nationwide
  • FREE eServices1
    • Home Banking
    • Mobile Banking
    • Mobile Deposit
    • Bill Payment
    • eStatements
  • Low-rate auto, consumer and home loans.
  • Credit cards with rewards and cash-back options credit cards with rewards and no annual fee. View Disclosures.


Maximize your membership with these services:

Tower Car Buying Service powered by TrueCar®—save an average of $3,402 off MSRP on your next vehicle purchase.

HomeAdvantage® Program—earn a cash reward when buying or selling a home—an average of $1,7002 in savings.

Tower Wealth Management®—Investment and Wealth Management Services3.


Save money and time when you do all your financial business with Tower.

Become a Tower Member

  • 1

    Mobile Banking Disclosure – Mobile Banking services are free to all Tower members. Your carrier’s message and data rates may apply. Other Mobile Deposit restrictions may apply.

  • 2

    HomeAdvantage Disclosure – See for complete details.

  • 3

    Tower Wealth Management Disclosure – Securities and financial planning offered through LPL Financial, a Registered Investment Advisor, Member FINRA and SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Tower Federal Credit Union and Tower Wealth Management are not registered broker dealers nor affiliated with LPL Financial. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, AK, AZ, CA, CO, DC, DE, FL, GA, HI, IN, IL, KY, LA, MA, MD, ME, MI, MO, MT, NC, NJ, NM, NV, NY, OH, OK, OR, PA, PR, SC, TN, TX, VA, WA, WV

    Not NCUA insured. No credit union guarantee. May lose value.