Drive-Thru Hours While all Lobbies  are Temporarily Closed

-Main Branch Drive-Thru:  Monday-Thursday 9:00 – 5:00, Friday 9:00 – 6:00, Saturday 9:00 – 1:00
-East Bay Drive-Thru:  Monday-Thursday 9:00 – 5:00, Friday 9:00 – 6:00
-Interlochen Drive-Thru:  Monday-Thursday 9:00 – 5:00, Friday 9:00 – 6:00

Update:  Wednesday, April 1

Near Real Time SmartCheck is Live! When you deposit your checks remotely they will no longer be batched out and posted until later times through the day, instead they will post in near real time.  This upgraded feature will assist in the speed of your online banking needs during a time when leaving the house isn’t always a convenience.

Update:  Tuesday, March 31

Our Interlochen Branch Drive Thru will be temporarily closed on Saturdays.
To serve you, there is a drive-up ATM in the Interlochen parking lot or you may stop by the Main Branch drive thru (which will remain open on Saturdays) between 9:00 am – 1:00 pm. Thank you for your patience during these times!

Update: Monday, March 30

As part of TCFCU’s relief program, repossession is currently at a halt. TCFCU will not initiate any new repossession actions associated with vehicles, RVs, or marine craft financed with the Credit Union and have enacted reduced requirements for customers who want to redeem their already repossessed vehicle to one (1) payment plus repossession fee. This suspension of repossession actions will take place through the end of May 2020 and we will continue to evaluate the longevity of this program.

Update: Friday, March 20

If you anticipate any difficulty in making your upcoming payments, please contact the loan department at 231-946-1232 or email There are several things we can do to assist you during this pandemic crisis.

Update: Tuesday, March 17

In lieu of current events, TCFCU has elected to close lobby services at all locations beginning Wednesday, March 18th. Drive-thru operations will resume normal hours, and the loan department will meet through appointment only.

The Lake Leelanau Branch location will remain closed, as there is no drive-thru service, but deposits will be picked up daily.

You may reach the loan department via phone at 231-946-1232 or email

Thank you for your patience during this time as modifications are made to promote the safety of all, and rest assured, TCFCU is here to serve you!

At TCFCU our top priority is the health and safety of our members, employees, and communities.

The CU has been attentive to the updates and recommendations provided by the CDC to help minimize the spread of COVID-19. Coinciding with the CDC’s recommendations, we urge members to utilize the drive-throughs and verify you have access among other contactless methods to perform banking needs:

  • Online & telephone banking
  • TCFCU mobile app (be sure to register for SMARTCheck mobile deposit so you may deposit checks from the convenience of your home if you haven’t already)
  • Debit and or credit card with a working PIN

You can deposit checks, withdraw and transfer funds, pay bills, and much more–all without visiting a branch. Our website lists all the surcharge free ATMs available to you, as well as a listing of shared branching CUs.

Our employees have been taking precautionary care to maintain the sanitation of the buildings, cleaning surfaces on the hour, and providing accessibility to hand sanitizer.

We appreciate your business and are committed to assisting you through any disruptions that may arise relating to COVID-19.

For the latest reporting on COVID-19 from the Centers for Disease Control, visit or your local health department website. The health and well-being of our members and the TCFCU team remain our highest priority, and we will continue to closely monitor the situation and provide additional updates as needed.

The TCFCU Team