Total Community Credit Union (TCCU) was established in 1959 and has spent over six decades serving its home city of Taylor and surrounding communities. As a member-owned, not-for-profit credit union, TCCU operates under the regulatory oversight of the National Credit Union Administration (NCUA), a U.S. Government Agency that provides federal insurance on member accounts. The organization is committed to a member-first philosophy and maintains a dedicated team of part-time and full-time employees.
TCCU offers a comprehensive range of financial products and services designed to meet diverse member needs. These include checking and savings accounts, certificates of deposit (CDs) with rates as high as 4.0% APY, auto loans starting at 4.49% APR, mortgage loans with their SmartDrop product allowing rate reductions post-closing, home equity lines of credit at 3.99% APR, personal loans, recreational vehicle loans, student loans, and VISA credit cards. Additionally, TCCU provides digital banking tools including online banking, mobile banking with check deposit capabilities, bill pay, and a financial coaching app called "My Finance Coach" designed to guide members through 10 financial themes. The credit union also offers youth-focused products like a Kids Club savings program and scholarships for member families.
TCCU distinguishes itself through several member-centric features. The SmartDrop Mortgage product is a notable innovation allowing members to benefit from rate decreases after closing. The credit union provides member perks and rewards through partnerships with brands like Trust & Will and TruStage. Member testimonials highlight personalized service, with examples of staff members like Amy M. actively helping members refinance vehicles at better rates. The organization maintains a scam awareness program and offers financial education through their My Finance Coach app, demonstrating commitment to member protection and financial literacy.
As a credit union, TCCU benefits from the cooperative model which typically results in rate claims to verify and member-owned governance. However, membership eligibility may be restricted to specific geographic communities or other criteria not fully detailed on the website. The digital banking infrastructure appears well-developed, though details on specific membership requirements, eligibility, and any membership fees are not prominently displayed on the available website content. For consumers in the Taylor area or those who qualify for membership, TCCU presents a traditional credit union option with broad product offerings and personalized service.
