The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (84 → 83).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Maryland

Yes. Tower Federal Credit Union is a federally insured credit union (NCUA charter #8333). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.2% of shares and deposits ($567.2M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 14.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Tower Federal Credit Union lists 13 offices in 11 cities. Most locations:

• Ft Meade, MD (2)
• Laurel, MD (2)
• Annapolis, MD (1)
• Clarksville, MD (1)
• Columbia, MD (1)
• Ellicott City, MD (1)
• Gambrills, MD (1)
• Hanover, MD (1)
• Linthicum, MD (1)
• Millersville, MD (1)
• Owings Mills, MD (1)

All branch addresses and map

In 2025, Tower Federal Credit Union reported 5,766 home-loan applications under HMDA (LEI 54930080168VA6Z8UX21): 3,617 originated ($714,795,000 total), 1,612 denied, and 463 withdrawn or closed by the applicant. Its denial rate on decided applications was 30.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Tower Federal Credit Union

Type

Federal credit union

NCUA charter #

8333

RSSD ID

498586

Primary regulator

NCUA

Established

1953

Headquarters

Po Box 1280, Laurel, MD 20725

Employees

646