TBA Credit Union began with a few spare dollars, a cigar box and a basic trust in people. It was 1955. Dwight Eisenhower was in the White House. Elvis had not yet had his first hit. And a few members of the Traverse City school system were making a little history of their own. Seeing a need to help educators and school staff with their finances, the small group pooled the $50 needed for a credit union charter.

On Thanksgiving Day, 1955, the Traverse City Board of Education Employees  Credit Union was chartered. The original board members were Garland L. House, James C. Baker, Jr., John Youker, William Novak, Allen A. Lockman, H.J. Olson, Edward H. Bailey and G.E. Loomis who all had four shares each. Referred to as TBA Education Credit Union starting in 1967, the official license was received in January of 2004, making the new credit union name TBA Credit Union. In those early days, funds were kept in a cigar box. Those needing a loan could take what they needed and leave an I.O.U. to be covered the next payday. It was a level of shared trust that continues today with TBACU members. Like our area, TBACU has grown considerably and now provides a wide range of services to over 18,000 members. We strive to provide financial education for all ages and to stay true to our co-op roots.

Since 1986, TBA Credit Union has been helping members with mortgages. Our mortgage lenders are prepared to provide superior service with the financing of your home. We offer different home loan programs for every stage of life. Flexible terms give you the widest range of choices, so chances are we have a mortgage that fits your needs!

If you are unsure of which product is right for you or would like one of our Traverse City mortgage lenders to review your options, please call or text our service center at 231.946.7090, visit our website or stop in a branch. We are always happy to help and look forward to serving your lending needs.

Products Available

·         Conventional Fixed-rate Loans.

·         Jumbo Loans.

·         Construction Loans.

·         Rural Development Loans.

·         FHA Loans.

·         Fixed-rate Home Equity Loans.

·         Home Equity Lines of Credit.

·         Manufactured Homes.

·         VA Loans.

·         Vacant Land.

Carrie Eppinger is a born and raised Northern Michigan native with over 20 years of banking experience. For the past seventeen years she has been helping members with their real estate needs; from purchasing a new home to refinancing, construction, and vacant land loans. In her spare time, Carrie enjoys reading, crafting, and spending time with friends and family enjoying all that Northern Michigan has to offer. Call, text or email Carrie to see what she can do for you at TBA Credit Union!

Trey Wright helps Michiganders with Residential Real Estate Financing, whether purchasing a new home or land parcel, new construction, or refinancing debt using residential real estate as collateral. He is a father of 4 girls, loves trail running in the spring/summer/fall, and over-eating during the winter. Thus the necessary running in the non-winter months. Call, text or email Trey today, to see about the Local Mortgage Lending options with TBA Credit Union!

Branch Locations:

630 E. Front Street, TC, MI 49684

2900 W. South Airport Road, TC, MI 49684

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  • Email:carriee@tbacu.com

    October, 2021



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