Business Details
50+ Years
experience
Your Trusted Financial Partner in South Sound, WA
Tapco Credit Union has been dedicated to empowering South Sound, Washington communities since 1934. As a not-for-profit financial cooperative, we prioritize personalized service and community impact through a comprehensive range of personal and business financial solutions. Our expertise spans from competitive auto and home loans to innovative credit card programs, all supported by local decision-making and a commitment to financial education. With multiple branch locations and digital banking tools, we provide accessible, member-focused services tailored to diverse financial needs. Our NCUA-insured accounts and specialized programs like Green Auto Loans reflect our dedication to both fiscal responsibility and environmental stewardship.Through scholarships, local lending initiatives, and community partnerships, we continue to strengthen the economic fabric of Pierce County. Our team of experienced professionals combines regional market knowledge with cutting-edge financial technology to deliver secure, transparent banking solutions. By maintaining low-fee structures and offering financial counseling services, we ensure members receive both value and support throughout their financial journey. This enduring commitment to human-centered banking has solidified our position as a trusted financial partner in the region.
Services
Auto Loans
Home Loans
Credit Cards
Business Banking
Savings Accounts
Financial Counseling
Online Banking
Mortgage Refinance
IRA Accounts
Green Auto Loans
Details
- Year established: 1934
Highlights and features
- We offer 0% APR credit card promotions and competitive loan rates since 1934
- Our local decision-making process supports Pierce County businesses and families
- We provide free financial counseling and educational resources
- Our NCUA-insured accounts protect funds up to $250,000
- We maintain 30,000+ surcharge-free ATMs nationwide
Associations and certifications
- NCUA
Services
Auto Loans
Our auto loan program provides competitive financing options for new and used vehicles. Members can access 100% financing with no down payment requirements and flexible terms to match various budgets. The Green Auto Loan program offers rate discounts for EPA SmartWay-certified vehicles.
Home Loans
We offer comprehensive home financing solutions including conventional, FHA, VA, and USDA loans. Our local experts assist with purchase mortgages and refinancing options that allow cash-out equity or payment adjustments. Competitive rates apply for primary residences and investment properties.
Credit Cards
Our credit card portfolio features rewards programs and low APR options. The Premium Card offers 0% APR for 12 months on purchases and balance transfers, while the Gold Rewards Card provides points on every purchase redeemable for travel or merchandise.
Business Banking
Tailored financial solutions for local businesses include checking accounts, merchant services, and lending programs. Our commercial team provides personalized support for cash management and growth initiatives, with access to specialized loan products and financial planning resources.
Savings Accounts
We offer multiple savings options including regular savings, holiday accounts, and IRAs. All accounts feature no monthly service charges and NCUA insurance up to $250,000. Special programs help members achieve specific financial goals with tiered interest structures.
People
Justin Martin
President/Chief Executive Officer
Justin Martin leads Tapco Credit Union with over 25 years of financial services experience. He focuses on strategic growth while maintaining community banking values. His leadership emphasizes digital innovation and member service excellence.
Kathy Scholes
Chief Financial Officer
Kathy Scholes manages financial operations with expertise in credit union financial management. She ensures fiscal stability while developing member-focused financial products. Her 20+ years in finance support TAPCO's long-term growth strategy.
Jason Allen
Chief Information Officer
Jason Allen oversees technology operations and digital security. He implements advanced banking solutions while maintaining system integrity. His technical leadership supports TAPCO's modern banking platforms and cybersecurity measures.
Sarah Gray
Chief People & Inclusion Officer
Sarah Gray leads human resources and diversity initiatives. She develops talent programs that align with TAPCO's community values. Her focus on employee development strengthens the credit union's service-oriented culture.
Jeremy Mandery
Chief Retail & Lending Officer
Jeremy Mandery directs retail operations and lending programs. He combines local market knowledge with financial expertise to develop accessible loan products. His team focuses on personalized member service and financial education.
Questions
How do I become a TAPCO Credit Union member?
Join with a $25 deposit into a Regular Savings account. Membership requires a Social Security Number, valid ID, and current address verification if needed.
What loan options are available for first-time homebuyers?
We offer conventional mortgages with down payment options as low as 3% for qualified borrowers, plus FHA loans with smaller down payments and easier credit qualifications.
Do you offer online banking services?
Yes, our online and mobile banking platforms provide account management, bill pay, and 30,000+ surcharge-free ATMs. You can also use card controls and digital wallets.
What credit cards does TAPCO offer?
We provide Visa Premium with 0% APR for 12 months and Visa Gold Rewards with points on purchases. Both include enhanced security features and competitive interest rates.
Are my accounts insured?
Yes, all deposits are insured up to $250,000 through the National Credit Union Administration (NCUA), a U.S. government agency.
Do you have financial counseling services?
We offer free financial counseling for budgeting, debt management, and handling financial setbacks with personalized guidance from experienced professionals.
