Member FAQs

TFCU Frequently Asked Questions

Find quick answers to common questions about your TFCU accounts, services, and digital banking tools. We’ll continue adding new FAQs to help you bank with confidence!
Accounts & Membership

How do I become a member?

To become a member of TFCU you must live, work, worship, go to school, volunteer, in the Pima County area or have a direct family member that is currently a member. To apply for membership you can schedule an appointment to come into a local branch location or open your account online.


What accounts are required for membership?

All members of TFCU are required to hold a Savings Account with a minimum balance and deposit of $5.


What are the benefits of a money market account?

A money market account combines the flexibility of a savings account with the potential to earn higher dividends. These accounts are ideal for members who want to grow their savings while still having access to their funds.

Key benefits include:

  • Higher earning potential than a traditional savings account
  • Easy access to funds, often with check‑writing or transfer options
  • Safe and secure savings, typically federally insured
  • Great for short‑term goals, emergency funds, or larger balances you may need available

A money market account can be a smart option if you’re looking to earn more on your savings without locking your money away.


How can I transfer money between accounts

You can easily transfer funds between your accounts when logged in to your Online Banking profile. Members are granted with unlimited transfers and there is no monthly cap. You can also connect with a Digital Engagement Specialist by selecting ‘Let’s chat’ or come in and speak with a Member Advocate to assist with your transfer.

If you would like to transfer money to another member, you can contact us directly for assistance.


What are the manually posted fees I keep seeing?

You can use your routing and account number to easily send and receive money directly to your account. However, if incorrect information is provided, such as an invalid account number, transactions must be manually posted and a $5 fee will apply for each transaction.

To avoid delays and additional fees, please be sure to enter accurate account information when setting up any automatic deposits or withdrawals.

Are there any new member promotions?

TFCU offers new member promotions from time to time. Availability and eligibility requirements may vary, so we encourage you to review the promotion disclosures for details, including qualification requirements and expiration dates.

Member Services

Do you offer notary services?
Yes, TFCU offers notary services. Please schedule an appointment by using the “Schedule an Appointment” button on our website.
If your document requires a witness, you must bring your own, TFCU employees are unable to serve as witnesses. Notary services are free for TFCU members. For non‑members, a $2 fee applies.

Do you offer a Medallion Stamp?

No, TFCU does not offer Medallion Signature Guarantee (Medallion Stamp) services.


Do you offer trust & wills?

Yes. TFCU partners with Trust & Will to offer members a 20% discount on estate planning services, including trusts and wills.


What are your current loan rates?

To view our current monthly rates, go to the Bank dropdown in our main menu and select Rates & Disclosures.


How do I order a 10-Day Payoff Letter or Mortgage Payoff Demand?
To request a loan payoff letter, you’ll need to contact TFCU directly so we can calculate your payoff amount, including daily interest. Payoff amounts are accurate for up to 10 days from the date provided.You can connect with a Digital Engagement Specialist by clicking the “Let’s chat” button on our website or by visiting any TFCU branch for assistance.

How do I reset my password?

To reset your password simply select the ‘Forgot my Password’ option and follow the prompts by typing in the phone number and username associated with your account.

If you still need assistance after this, please contact us directly with the ‘Let’s chat’ button to speak with a Digital Engagement Specialist.