The Tower Advantage
Better rates. Less fees. More cash back.
Our members earn and save $79 million1 more!
Members earn higher interest rates on their savings accounts – twice the average of Maryland banks.
Say Goodbye to Fees
With free checking accounts and no junk fees, your wallet will thank you.
Unlock great rates with Tower’s mortgage and home equity loans, whether buying or renovating.
Tower Membership Gives You More
Independent research shows Tower delivered $79 million in direct financial benefits to our members—an extra $730 per household, every year!1
The deeper your relationship with Tower, the more you save! Our loyal members saved an average of $2,906 a year2—how much could you save?
The deeper your relationship with Tower, the more you save! Our loyal members saved an average of $2,906 a year2—how much could you save?
Earn more cashback and pay less interest
From 1.5% unlimited cashback3 to money-saving balance transfer offers, we have a credit card that fits your lifestyle and needs.
- $6.9 million in member credit card savings
- $8.8 million saved on interest on balance transfers from a higher-rate card
- Unlimited earnings of 1.5% Cash Back on World Card purchases3
Grow Your Savings. Get There Faster.
Tower's savings rates are over 2x the Maryland average—so your money doesn't just sit, it grows.1
- $6.1 million earned on our Share Certificates
- $1.55 million earned on our Individual Retirement Accounts (IRAs)
- $2.27 million earned on our Money Market accounts
It all adds up—Tower membership gives you more!
1 Dollar value shown represents the results of the 2024 Tower Membership Benefits Report conducted by America's Credit Unions, an independent research partner. The Membership Benefits Report takes into consideration analyses comparing Tower rates and fees with other Maryland banking institutions. Rates and fees as of 12/31/2024. Dollar value shown represents the results of the 2024 Tower Membership Benefits Report conducted by America's Credit Unions, an independent research partner. The Membership Benefits Report takes into consideration analyses comparing Tower rates and fees with other Maryland banking institutions. Rates and fees as of 12/31/2024.
2 A "loyal member" is assumed to have a $30,000, 60-month auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest/dividend checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account.
3 For Program Terms and Conditions, please visit myTowerRewards. Minimum $25 to redeem for cash back.
© America's Credit Unions 2024
2 A "loyal member" is assumed to have a $30,000, 60-month auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand), $5,000 in an interest/dividend checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account.
3 For Program Terms and Conditions, please visit myTowerRewards. Minimum $25 to redeem for cash back.
© America's Credit Unions 2024
A smarter way forward
With big-time financial benefits, find out how much more you can accomplish with Tower.