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Membership Eligibility

You may be eligible if you live, work, worship, attend school, or volunteer in the Panhandle of Florida or Southern Alabama.

For more than 115 years, credit unions have served as trusted champions of consumer financial protection, serving the underserved.

Today, more than 120 million American consumers — including over 10.5 million across Alabama, Florida, and Georgia — continue to choose credit unions as their financial services partner.

Qualifying Categories

Location and Zip Code

You can join Tyndall if you qualify in one of several ways. You may be eligible if you: Live, work, worship, go to school, or volunteer in Florida’s Panhandle or Southern Alabama or meet other qualifying criteria.

Employer or Organization

You may be eligible for membership if you are employed by, or retired from, one of the companies or organizations we serve. These are known as Select Employee Groups (SEGs).

Relationship

If someone in your family or household is already a Tyndall member, you may be able to join too. Eligibility extends to immediate family members—such as your spouse, parent, child, brother, sister, grandparent, grandchild — as well as anyone living in the same household as a current member.

Military/Government Affiliation

You may qualify for membership if you are an active duty or retired military member who is stationed at, working at, has received orders to, or is using services at Tyndall Air Force Base, FL. You also qualify for membership if you are a civil service employee or a government contractor at Tyndall.

As a not-for-profit, member-owned financial cooperative, we provide the same essential services as traditional banks, but the similarities end there.

Each credit union member is an owner and shareholder. Membership means fewer fees, better loan and savings rates, easier access to credit, and more personalized service.

Through every challenge, across every economic cycle, and throughout changing financial landscapes, credit unions have remained true to their not-for-profit, collaborative mission, investing in the financial health and security of the communities they serve.

Tyndall remains proud to carry that tradition forward. We are committed to providing safe, affordable financial services tailored to each member’s needs, helping them achieve their financial goals.

What locations/zip codes are eligible?

You can join Tyndall if you qualify in one of several ways. You may be eligible if you: Live, work, worship, go to school, or volunteer in Florida’s Panhandle or Southern Alabama or meet other qualifying criteria.

If you’re not sure if you qualify, contact us to find out!

All Zip Codes for the Following:

  • Calhoun County, FL
  • Franklin County, FL 
  • Gulf County, FL
  • Holmes County, FL
  • Jackson County, FL
  • Walton County, FL
  • Washington County, FL

Bay County by the following Zip Codes (if you do not reside in one of the following zip codes, then you may be eligible by Census Tract*):

  • 32401
  • 32402
  • 32403
  • 32406
  • 32407
  • 32409
  • 32410
  • 32411
  • 32412
  • 32413
  • 32417
  • 32438

In Alabama by Census Tract* for the following counties: 

  • Baldwin County
  • Mobile County
  • Houston County
  • Geneva County
  • Henry County

*In the majority of the zip code areas of Bay County, FL, all of the census tracts qualify as "Underserved," so we can use the larger zip code area for qualification purposes (those listed above). However, a few of the Bay County zip code areas, some of the Okaloosa County, FL, zip code areas, and some of the Houston County, AL, zip code areas do not qualify as a whole. Therefore, we have made available a list of the census tracts in those zip code areas that do qualify for membership. Potential members may qualify for membership based on where they live, work, worship, or attend school in certain geographical areas of Florida and Alabama. These "Underserved Areas," which are included in Tyndall's Field of Membership, are defined by NCUA (the National Credit Union Administration) and are outlined in the credit union's charter. The Underserved Areas are defined by census tract and NCUA has specific guidelines that determine which census tracts are considered "Underserved."

What Select Employee Groups qualify?

What company do you work for? Or, what organizations do you belong to?

You may qualify for membership if you are employed by, or are retired from, any of the employers (Select Employee Groups) we serve, or if you belong to one of the groups/organizations we serve.

One of the most common ways to qualify for membership is through your employer. Select Employee Groups (SEGs) are companies that have selected Tyndall as their primary financial services resource and want to extend Tyndall financial services to their employees. A SEG is an employer-Credit Union relationship that ensures member eligibility for its employees at no cost.

Businesses and organizations in our Field of Membership are local to the communities we serve. Unless otherwise stated, qualification for membership applies to employees who are paid from or are supervised from Panama City or Panama City Beach, FL.

Please note that this is not a complete list.  If you have questions, please visit one of our branches or contact our Contact Center at 850-769-9999 (888-896-3255, toll-free).

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  • 144th Transportation Company, Florida Army National Guard, Marianna, FL – civilian and military personnel
  • 653rd Service Company, Florida Army National Guard, Perry, FL – civilian and military personnel of the U.S. Government.

A

  • Advance Home Health Care (provided by Gulf Coast Hospital)
  • Advanced Eye Care of Bay County, P.A.
  • Air Force Exchange (AAFES) at Tyndall Air Force Base, employees & concessionaires
  • Alabama Hunger Relief, Stapleton, AL – employees
  • Allied countries and NATO Alliance countries, military or civilian personnel assigned to Tyndall AFB for at least 2 years
  • American Red Cross at Tyndall Air Force Base
  • Anchorage Children’s Home – Bay, Gulf, Holmes, Washington, Jackson, and Calhoun Counties, FL
  • Andrews Brothers Printing, employees who work in or are paid from Ft. Walton Beach, FL
  • Apalachicola, City of – Commissioners and employees
  • Apalachicola Northern Railroad, Port St. Joe, FL
  • Arizona Chemical, Panama City & Port St. Joe, FL

B

  • Bay County - employees & elected and appointed officials
  • Bay County Chamber of Commerce
  • Bay County International Airport
  • Bay County Land & Abstract Co., Inc.
  • Bay County Sheriff's Office
  • Bay Line Railroad
  • Bay Medical Center, Panama City – employees, doctors, medical staff, technicians, and volunteers
  • Bay Radiology Associates, P.A.
  • Beach Mosquito Control District, PC Beach
  • Bell Signs, Inc.
  • Beltone Hearing Center
  • Big Brothers Big Sisters of the Big Bend - employees
  • Bonifay, City of
  • Bonifay Manufacturing, Inc., Bonifay, FL
  • Brain and Spine Center, LLC
  • Brehon Family Services, Inc. – employees and Officers who work in, or are paid or supervised from Tallahassee, FL
  • Broadband Tele Communications, Inc.
  • Buck Lake Elementary School in Tallahassee, Florida - Employees of and students in grades K-5 
  • Buzz Leonard Motors, Inc.

C

  • C & C Manufacturing, Inc.
  • Callaway, City of - employees & elected and appointed officials
  • Campbellton-Graceville Hospital, Graceville – employees, doctors, medical staff, technicians, and volunteers
  • Capital Area Community Action Agency, Inc. - employees
  • Cedar Grove, City of - employees & elected and appointed officials
  • Chemical Addiction Recovery Effort (CARE)
  • Chipley, City of - employees & elected and appointed officials
  • Civilian personnel of the U.S. Government (Civil Service) Employees who have received PCS orders to Tyndall Air Force Base
  • Civilian (Civil Service) personnel of the Department of Defense who work at, are assigned to, or are logistically supported by Tyndall Air Force Base, FL
  • Coastal Conservation Association, Eastern Shore Chapter in Fairhope, AL - employees and volunteers
  • Condé Systems, Inc., Mobile, AL
  • Contractors who work regularly at Eglin AFB test Site D-3, Port St. Joe, FL
  • Contractors who work regularly at Tyndall Air Force Base under contract with the U.S. Government
  • Corrections Corporation of America (CCA), Bay County Jail
  • Cory Everson’s Fitness for Women
  • Cox Building Corporation/Cox Pools, PC Beach, FL
  • Covenant Hospice - employees who work in, or are paid or supervised from Daphne, AL
  • Covenant Hospice - employees who work in, or are paid or supervised from Mobile, AL
  • Covenant Hospice - employees who work in, or are paid or supervised from Panama City, FL
  • Curry Printing

D

  • Dave Pybus Electric
  • Delta Health Care (d.b.a. Panama City Nursing)
  • Department of Environmental Regulation
  • Discount Realty Services – St. Joe Brokers, Port St. Joe, FL
  • Douglas A. Munroe, Inc. American Legion Post 356, members of

E

  • Early Education and Care, Inc. (formerly Early Childhood Services)
  • Eastern Shipbuilding Group
  • Ebro, City of, employees & elected and appointed officials
  • Edgewater Beach Resort Management, Inc., PC Beach, FL
  • Emerald Coast Realty, PC Beach, FL
  • Engineering & Equipment Company
  • Enterprise State Community College, employees & students, Enterprise, AL

F

  • Fair point Communication (formerly GTC, Inc.), Port St. Joe, FL
  • Federal Bureau of Investigation
  • Florida Department of Environmental Protection
  • Florida Panhandle Health Education Resource Center
  • Florida Public Utilities, Marianna, FL
  • Florida Game and Fresh Water Fish Commission, Northwest Region
  • Franklin County - employees & elected and appointed officials

G

  • G & D Speed’s Construction, Inc.
  • GAC Contractors (formerly Gulf Asphalt)
  • Gangwisch, Arnold C. DMD, P.A. – Lynn Haven, FL
  • George E. Weems Memorial Hospital, Apalachicola – employees, doctors, medical staff, technicians, and volunteers
  • Gerlecz, Joseph M., D.D.S., Lynn Haven, FL
  • Governors Charter Academy in Tallahassee, FL - employees, students, and volunteers
  • Great Days Publishing, LLC employees who work in, or are paid or supervised from Stapleton, AL
  • Griffin Middle School - employees who work in, or are paid or supervised from Tallahassee, FL
  • Gulf Coast Convalescent Center
  • Gulf Coast Medical Center - employees, doctors, medical staff, technicians, medical & nursing students, and volunteers
  • Gulf County - employees & elected and appointed officials
  • Gulf County Guidance Clinic
  • Gulf County Health Department, Port St. Joe, FL
  • Gulf Mosquito Control District, PC Beach, FL
  • Gulf Pines Hospital, Inc., Port St. Joe, FL
  • GVA Advantis, PC Beach, FL

H

  • HealthSouth Emerald Coast Rehabilitation Hospital
  • Honeywell Friction Materials, Lynn Haven, FL
  • Houston-Love Memorial Library, Dothan, AL, employees

I

  • Imagine School at Evening Rose - employees who work in, or are paid or supervised from Tallahassee, FL
  • Intergras Therapy and Wellness Center, Inc.
  • Internal Revenue Service 

J

  • Jackson County Sheriff's Department - Marianna, FL
  • Jackson Hospital, Marianna, FL – employees, doctors, medical staff, technicians, and volunteers
  • Jensen USA, Inc. 

K

  • Kerigan Marketing Associates, Inc., Mexico Beach, FL
  • Knology of Panama City

L

  • Leon County Government - employees & elected and appointed officials
  • Life Management Center
  • Lutheran Social Services of North Florida - employees
  • Lynn Haven, City of - employees & elected and appointed officials 

M

  • Manuel & Thompson, P.A.
  • Marine Inland Fabricators, Lynn Haven, FL
  • Marquis Management Group, Inc. and Emerald Coast Hospital (common ownership), Port
  • St. Joe, Apalachicola, Tallahassee, Marianna, Wewahitchka, Panama City, and Carrabelle, FL, and Newport News, VA
  • Mathison Retirement Center
  • Merrick Industries, Lynn Haven, FL
  • Mexico Beach, City of - employees & elected and appointed officials
  • Military personnel who have received PCS orders to Tyndall Air Force Base
  • Military personnel who have separated from the Armed Forces, who are receiving (or have applied for) Veteran’s Disability Compensation, and regularly use the hospital services at Tyndall Air Force Base
  • Military personnel (Department of Defense ) who work at, are assigned to, or are logistically supported by Tyndall Air Force Base, FL
  • Miller, Stephen K., M.D.
  • Mobile BayBears Baseball employees who work in, or are paid or supervised from Mobile, Alabama
  • Montenay Bay, LLC

N

  • National Association of Retired Federal Employees (NARFE) – members of the following chapters: Panama City Chapter #783, Bay County Chapter #1305, Lynn Haven Chapter #1440
  • National Weather Service, Apalachicola, FL
  • Nephrology Associates, P.A.
  • Neubauer Real Estate, Inc.
  • Nextel Partners, Inc.
  • Non-Appropriated Fund Activities (NAF) at Tyndall Air Force Base
  • Northwest Florida Drug Council
  • Northwest Florida/Big Bend Health Councils 

O

  • Ocean Systems Engineering Corporation, PC Beach, FL
  • Oceaneering International, Inc. – Multiflex U.S.
  • Office of the State Attorney, Second Judicial Circuit
  • Office of the State Attorney Public Defender, 14th Judicial Circuit - Bay, Calhoun, Gulf, Holmes, Jackson, and Washington Counties, FL
  • Office of the State Attorney, Second Judicial Circuit, who work in Apalachicola, FL 

P

  • Panama City, City of - employees & elected and appointed officials
  • Panama City Beach, City of - employees & elected and appointed officials
  • Panama City Development Center
  • Panama City Dialysis Center
  • Panama City Housing Authority – employees & Directors
  • Panama City Lions Club, voting members of
  • Panama City Nursing (Delta Health Care)
  • Panama City Port Authority, employees & elected and appointed officials
  • Panama City Toyota
  • Panhandle Anesthesiologists, Inc.
  • Panhandle Area Health Network, Marianna, FL
  • Parker, City of - employees & elected and appointed officials
  • Parker Fire Department, volunteers
  • Pat Green Heating and Cooling, Inc.
  • Pate Electric, Inc.
  • Peaden Air Conditioning & Heating, Inc.
  • Peaden Service, Inc.
  • Pineview Elementary School  - employees
  • Po Folks restaurant (Vittles Companies, Inc.)
  • Port St. Joe, City of - employees & elected and appointed officials
  • Post Electric, Inc. 
 

Q

R

  • Retired persons who are Pensioners or Annuitants from any employer in the TFCU Field of Membership
  • Retired U.S. Armed Forces members, or their dependents, or their dependent survivors who are eligible to receive and are receiving benefits or services from Tyndall Air Force Base, FL

S

  • Science & Discovery Center, Panama City, FL, employees
  • Shumaker, Inc.
  • Sil’s Home Center
  • Smith, Stephen M., M.D. and Stephen G. Smith, M.D.
  • Smith-Williams Service Center, Tallahassee, FL - employees
  • Social Security Administration
  • Southern Cancer Center, Daphne, AL
  • Springfield, City of - employees & elected and appointed officials
  • St. Joseph Bay Country Club, Port St. Joe, FL – employees and members
  • Student Loan Marketing Association (Sallie Mae), Lynn Haven, FL

T

  • TECO Peoples Gas
  • The Eye Center of North Florida
  • Thomas Drive Volunteer Fire Department, PC Beach, FL
  • Tipton, Charles A., CPA, PC Beach
  • Trane Company
  • Tri-County Community Council – Holmes, Walton, or Washington Counties, FL
  • Tyndall Federal Credit Union

U

  • U.S. Air Force Reserve personnel, 919th Special Operations Group (AFRES), Bay County, FL
  • U.S. Army Corps of Engineers
  • U.S. Armed Forces members (active or retired), dependents, or their dependent survivors who are eligible to receive and are receiving benefits or services from Tyndall Air Force Base
  • U.S. Army National Guard units, military and U.S. government civilian personnel – Franklin & Gulf Counties, FL
  • U.S. Army Reserve personnel who train regularly at 1215 15th St., Panama City, FL
  • U.S. Coast Guard Station, Panama City, FL
  • U.S. Customs Service
  • U.S. Department of Justice, Drug Enforcement Administration
  • U.S. Department of Labor, Wage and Hour Division
  • U.S. Fish & Wildlife Service, Department of the Interior, Bay County, FL
  • U.S. Navy personnel stationed at CSS – active duty
  • USO at Tyndall Air Force Base 

V

  • Village Cleaners (Southeast Alabama Fabricare), Dothan, AL
  • Virgie's Perfect Cuts, Inc., Lynn Haven, FL
  • Vittles Companies, Inc.

W

  • Washington County - employees & elected and appointed officials
  • Wayne’s World RV Supercenter, PC Beach, FL
  • Wellsprings Home Health Care, Inc., Carrabelle, FL
  • Wewahitchka, City of - employees & elected and appointed officials
  • Wewahitchka Medical Center, Wewahitchka – employees, doctors, medical staff, technicians, and volunteers
  • Williams Earth Sciences, Inc.
  • WMBB-TV 13

X

Y

Z

How do I know my Census Tract?

You can check your Census Tract here: https://geomap.ffiec.gov/ffiecgeomap/