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The Tower Advantage
Our Members Earn and Save Over
$24 Million More Per Year1

Better rates. Less fees. More cash back.
Tower members earned and saved $24 Million more per year just by banking with us—that’s the Tower Advantage!1

Grow Your Savings & Pay No Fees

From free checking to higher savings rates, Tower helps you grow your money faster—without pesky fees.

Graphic, say no to fees

Enjoy Low Rates & Earn 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!


Save an average of $2,177 off MSRP*

Get exclusive savings and discounted auto loan rates with the Tower Car Buying Service powered by TrueCar.®


Earn unlimited 1.5% cash back

Enjoy 1.5% unlimited cash back on everyday purchases with World Mastercard. Plus, get a $100 cash bonus and low intro rate.*


100% Financing Options

Low mortgage rates and no-money-down 100% financing options.


0.25% Mortgage Rate Discount

Take 0.25% off fixed mortgage rates for primary & second home purchases.


Get an average of $2,057 in cash rewards

When you buy or sell your home with HomeAdvantage®, you can get thousands back at settlement.

Pursue Your Financial Goals

Financial planning & investment management services exclusively for Tower Wealth Management® clients.

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It all adds up—Tower membership gives you more.

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1 Dollar 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.)


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