TLC Community Credit Union

Community Bankingtlccu.org

TLC Community Credit Union is a federally insured, member-owned financial cooperative headquartered in Adrian, Michigan, serving individual consumers, small businesses, and youth in Lenawee County through 10 branches and digital banking.

Company typePrivate
Founded1956
HeadquartersAdrian, United States
Headcount51–100
GTM typeB2C
OfferingServices

What TLC Community Credit Union does

TLC Community Credit Union is a federally insured, member-owned financial cooperative headquartered in Adrian, Michigan, serving consumers, small businesses, and youth across Lenawee County and surrounding southeastern Michigan communities. Founded in 1956, TLC operates 10 physical branch locations (plus a Tecumseh kiosk at Busch's Market and off-premise ATMs), supported by a mobile ATM trailer deployed at community events, and a 24/7 phone banking contact center. Its product portfolio spans personal and business checking (Elite and Rewards tiers) and savings, auto, mortgage, home equity, student, business, and Visa credit card loans, alongside business services such as merchant services, ACH processing, remote deposit capture, and notary services.

The credit union's digital infrastructure is built on the Jack Henry Banno platform, with mobile apps on iOS and Android supporting biometric login, mobile deposit, card controls (MyCardRules), bill pay via iPay, Zelle P2P payments via Early Warning Services, and an Insights personal financial management module that links external accounts via Plaid. Loan origination uses the MeridianLink consumer portal and FICO Score 10T for credit scoring. Multi-factor authentication is supported via text, voice, and Authy.

TLC generates revenue primarily through net interest income on its loan portfolio (net of interest paid on deposits), supplemented by interchange from Visa debit and credit cards, fee income on overdrafts, stop payments, wire transfers, Rush bill-pay delivery, and account services, and ancillary income from merchant services and insurance products distributed via TruStage. Member acquisition is community-led: school-based student banking across 18 schools, a financial literacy team reaching 8,347 students in 2025, $181,200 in annual community donations and sponsorships, a mobile ATM at local events, and a "Neighbors Helping Neighbors" brand positioning. Distribution is multi-channel: branch, online, mobile, CO-OP shared branching/ATM network, phone banking, appointment-based booking, and direct outreach from mortgage lenders and a commercial business development team.

TLC Community Credit Union firmographics

Firmographics

Name: TLC Community Credit Union
Legal name: TLC Community Credit Union
Website: https://tlccu.org
Company type: Private
Founded year: 1956
Operating status: Operating
Headcount range: 51–100 employees
Short description: TLC Community Credit Union is a federally insured, member-owned financial cooperative headquartered in Adrian, Michigan, serving individual consumers, small businesses, and youth in Lenawee County through 10 branches and digital banking.
Ownership category
akta.pro rank

TLC Community Credit Union industry classification

Industry

Product category: Community Banking
NAICS: Credit Unions (52213), Credit Unions (522130)
SIC: Savings Institution, Federally Chartered (6035)
akta.pro primary industry: Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

Retail banking services
Consumer lending
Community credit union
Small business banking
Mortgage lending

Where TLC Community Credit Union is headquartered

Location

Headquarters

HQ city: Adrian
HQ country: United States
HQ region: North America

Offices12 records

Markets served

TLC Community Credit Union business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

Net Interest Income: Interest income from loan portfolio (auto loans, home loans, credit cards, business loans, student loans) minus interest paid on deposits. Primary revenue driver for credit unions.
Deposit Services: Checking and savings account services with various account types including Elite and Rewards Checking. Fee income from overdraft, insufficient funds, and account maintenance.
Fee Income: Various fees including stop payments, wire transfers, night depository, notary services, Rush payment delivery in bill pay, and card-related fees.
Credit Card Revenue: Interchange income from Visa credit and debit cards, annual fees on reward cards, and late payment fees.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Savings Account - $5 minimum to open membership
Subscription	Monthly	Elite and Rewards Checking accounts
Unit Pricing	Monthly	Auto Loans - As low as 5.24% APR
Transaction based/ take rate	Multi-year contract	Mortgage Loans - Up to $550 closing cost credit
Transaction based/ take rate	Pay-as-you-go	Skip a Pay Fee

Go-to-market motion1 record

Distribution channels9 records

Marketing channels9 records

TLC Community Credit Union product offering

Product offering

Core offering

TLC Community Credit Union is a federally chartered, member-owned credit union headquartered in Adrian, Michigan, providing personal and small business banking products including checking and savings accounts, mortgage and auto loans, Visa credit cards, student loans, and business lending. Services are delivered through 10 branch locations across southeastern Michigan, complemented by online and mobile banking platforms, and supported by financial literacy programs and community development initiatives.

Product overview

TLC Community Credit Union operates as a community-based credit union offering a comprehensive suite of financial products and services through both traditional branch banking and digital platforms. The core product portfolio includes personal and business checking and savings accounts, mortgage and auto loans, credit cards, and business services. Digital banking is delivered through the Online Banking platform (powered by Banno) and Mobile Banking app (iOS/Android), which serve as the primary channels for account management. Key digital modules include Bill Pay (via iPay), Zelle P2P payments, Insights financial management tools, Card Control (via Jack Henry MyCardRules), mobile deposits, external transfers, and eStatements. Business services encompass merchant services, ACH processing, Remote Deposit Capture, notary services, and night deposit boxes. The credit union also provides community development programs and financial education through its Learning Center serving local schools.

Differentiator

Problem solved

Functional benefit

Products and services

Checking Accounts

Quantifiable outcome

Community Donations & Sponsorships of $181,200 in 2025
+3 more outcomes

Companies that use TLC Community Credit Union

Customer profile

Named customers5 records

Segments4 records

Ideal customer profiles4 records

TLC Community Credit Union technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability2 records

Feature4 records

TLC Community Credit Union partnerships and signals

Strategic signal

Partnerships

Seven partnerships are on record, tiered core and minor.

Banno (Jack Henry)coreTechnology or IntegrationBanno platform powers TLC's online and mobile banking experience including the digital account opening, card controls (MyCardRules), and overall digital banking infrastructure. Part of the Jack Henry & Smyrna sequence of companies.
Early Warning Services / ZellecoreTechnology or IntegrationZelle P2P payment integration within TLC mobile banking app enabling fast, safe money transfers between bank accounts using email or phone number.
iPay (Jack Henry)coreTechnology or IntegrationiPay bill payment service powering TLC's online and mobile bill pay functionality, including eBill delivery, Rush payment options, and payee management.
MeridianLinkcoreTechnology or IntegrationMeridianLink consumer lending portal used for TLC loan applications including personal loans and lines of credit. Referenced in tlccu.org consumer loan application links.
CO-OP Credit Union Financial NetworkcoreTechnology or IntegrationCO-OP ATM and shared branch network provides surcharge-free ATM access nationwide and access to shared branch services at credit unions across the country.
TruStage InsuranceminorOthersTruStage insurance products offered through TLC for member protection needs including credit insurance and related products.
Love My Credit Union RewardsminorGTM or Marketing PartnerLove My Credit Union Rewards program providing member benefits and discounts, linked on TLC website footer with banner advertising partnership.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

TLC Community Credit Union competitors and assessment

Company assessment

Direct peers

Consumers Cooperative Credit Union: Mid-sized Michigan cooperative credit union offering consumer and small-business banking across multiple communities — directly comparable in product set, governance model, and community-focused positioning.
Security Credit Union: Michigan-based community credit union offering consumer and business banking, mortgages, and digital services — comparable to TLC in member-owned cooperative structure, product suite, and Michigan regional footprint.
Frankenmuth Credit Union: Michigan community credit union serving consumers and small businesses across the Saginaw/Thumb region with comparable products (checking, mortgages, auto, business banking, digital platform) — a closer geographic and structural analog to TLC's regional member-owned cooperative model.
Wildfire Credit Union: Michigan-based community credit union offering consumer and business banking, mortgages, and digital services to members across multiple Michigan communities — directly comparable in product mix and member-owned community focus.
Case Credit Union: Michigan community credit union providing personal and business banking, mortgages, and digital services to members in its service area — directly comparable in mission, product set, and member-owned structure.
Family Financial Credit Union: Michigan community credit union offering checking, savings, mortgages, auto loans, and digital banking to consumer and small-business members — closely analogous to TLC in scale, product breadth, and regional community focus.
ELGA Credit Union: Community credit union headquartered in southeastern Michigan, serving consumer and small-business members with checking, savings, lending, and digital banking — a strong geographic and operational comparable to TLC.

Broad incumbents

Huntington National Bank: Large regional bank with significant retail and small-business banking presence across Michigan, including southeastern Michigan — competes with TLC for deposits, mortgages, auto loans, and small-business relationships, with substantially broader scale and branch density.
Lake Michigan Credit Union: Michigan's largest credit union with statewide and national digital reach, offering consumer and business banking products directly overlapping TLC's suite — but at significantly greater scale, broader geographic footprint, and with deeper digital capabilities.
Michigan State University Federal Credit Union (MSUFCU): Large Michigan-headquartered credit union offering personal and business banking, mortgages, and digital tools across multiple branches and a national digital footprint — overlapping TLC's deposit, lending, and small-business services at much greater scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

TLC Community Credit Union compliance and trust

Trust signal

Compliance3 records

TLC Community Credit Union financial estimates

Financial estimate

Revenue estimate

Valuation estimate

TLC Community Credit Union leadership team

Management profile

Number of profiles

Profiles7 records

TLC Community Credit Union funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

TLC Community Credit Union M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TLC Community Credit Union

What does TLC Community Credit Union do?

Is TLC Community Credit Union a public or private company?

TLC Community Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.

When was TLC Community Credit Union founded?

TLC Community Credit Union was founded in 1956. It employs 51 to 100 people.

Where is TLC Community Credit Union based?

TLC Community Credit Union is headquartered in Adrian, United States, in the North America region.

How does TLC Community Credit Union make money?

Four revenue lines are on record. Net Interest Income is the primary driver. The others are deposit Services, fee Income and credit Card Revenue.

Who are TLC Community Credit Union's main competitors?

Direct peers on record are Consumers Cooperative Credit Union, Security Credit Union, Frankenmuth Credit Union, Wildfire Credit Union, Case Credit Union, Family Financial Credit Union and ELGA Credit Union. Broad incumbents are Huntington National Bank, Lake Michigan Credit Union and Michigan State University Federal Credit Union (MSUFCU).

Does TLC Community Credit Union have an API?

No public API is recorded for TLC Community Credit Union.

What industry is TLC Community Credit Union in?

TLC Community Credit Union's product category is Community Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6035.