Dear Valued Member:

TBA Credit Union celebrated its 65th birthday on November 25 by donating $1,000 to three area non-profits: Traverse Bay Children's Advocacy Center, Michael's Place, and Angel Care Preschool and Childcare.

It's a great honor to celebrate our founding by paying it forward. Each of these non-profits has made a great impact on not only our staff but our community.

Wishing you and your loved ones a safe and healthy December, and a blessed New Year.


Warmly,
Karen Browne

President/CEO
TBA Credit Union
The holiday season is upon us and the cost of presents, gift exchanges, and meals can really add up. If you need additional peace of mind this season, TBA Credit Union is again offering our Holiday Loan* program!

You can now apply for an instant $1,000.00 for the holiday season. With no credit check, quick and easy approval, and a direct deposit of funds, we can help ease some financial stress often felt this time of year. Minimal approval requirements help save you time so you can start preparing for the holidays:

  • Must be an existing TBACU Member
  • 11-month term
  • No credit check with six months of direct deposit with a monthly minimum of $1,000
  • Must be current on all loans

For more information, please visit our website, stop by one of our branches, or contact our Service Center Team at 231.946.7090.
*Insured by NCUA. This offer is subject to the credit union policies of the institution. Minimum $1,000 monthly direct deposit into a TBACU account, 6 months verifiable income, and current on all TBACU loans required. Offer available through December 31, 2020.
As the holiday season draws near, we wanted to share some tips for avoiding common Holiday scams:
  1. COVID-19 Disinformation: We’re all desperate for health information. People with malicious agendas are spreading intentionally false or unsubstantiated health information. More
  2. Email Phishing and Holiday Offers: Many of these holiday-themed emails advertising the “perfect gift” for that special someone will try to trick you into revealing personal info by pretending to be a legitimate offer. More
  3. Fake Gift Cards: Cybercriminals also want to get in on the gift card action by offering bogus cards online. More
  4. Fake Virus Scare: So, you’re surfing the web and click on a site, and all of sudden a pop-up is claiming your computer is infected. More
  5. Social Media Scams: Bad actors know that social media sites are a good place to catch you off guard because we’re all “friends,” right? More
  6. Fake Charities: Beware of spam emails that try to fool you into thinking they’re a real charity. More
  7. Craigslist Overpayment: Don’t be fooled, it’s a phony check. More
  8. Smishing, Or Phishing By Text: Be wary of text messages that appear to come from your financial institution asking you to verify information or visit a phony webpage. More
  9. Malicious Apps: Cybercriminals create malicious apps, pretending to be a game, helpful or hobby, only to infect your device with a virus, steal your information, or listen in on your conversations. More
  10. ID Theft: Cybercriminals, search engines, retailers and social media websites are harvesting your personal information to scam you, sway your opinions or to sell. More
  11. Phony Jobs: Online classified sites may be a great place for a little extra spending money, but beware of phony offers that ask for too much personal information or to pay an application or processing fee. These are likely scams. More
  12. Fake Goods: Getting designer products for less sounds like a deal, but be careful. It very well could be a fake and won’t be near the quality you expected, or stolen. More

Stay safe this season and if you're ever in doubt, call or text our Service Center at 231-946-7090 for assistance.
It is time to start shifting gears. TBA Credit Union offers low rate consumer loans so you and your crew can keep the outdoor fun going all year round. From loans for plow trucks and snowmobiles, side by sides and RV's, TBACU wants to help you keep the adventure going.

For your convenience, you can apply online. Visit tbacu.com or contact our Service Center at 231.946.7090 for more information.
Because deposit rates are declining for traditional accounts, now is the right time to look at options with higher earning potential. Andrew Maniaci at TBA Investment Services, offered through CUSO Financial Services*, is experienced and ready to make the most of your cash assets.
All it takes is one phone call to make your money work harder. Contact Andrew, our CFS financial advisor at 231.946.8794 to get started. Or visit our Investment Services page to submit your information for a follow up call. 
BRANCH & DRIVE THRU HOURS: M - F, 9 am to 5 pm
SERVICE CENTER CALL HOURS: M - F, 9 am to 5 pm 

Mailing Address: P.O. Box 1049, Traverse City, MI 49685 

P: 231.946.7090 or 1.800.678.0987 
F: 231.932.5050 

Federally insured by NCUA. Equal housing opportunity. 
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.