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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 $3,965 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 advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Tower Federal Credit Union and Tower Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Tower Wealth Management, and may also be employees of Tower Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Tower Federal Credit Union or Tower Wealth Management. Securities and insurance offered through LPL or its affiliates are:

    Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value