Our Community

We're more than just a great credit union with fantastic products and services. We're a community institution with deep roots and a commitment to helping our members improve their financial well-being. Every decision we make and action we take is rooted in our mission to do right by our members – always.

Tidemark Foundation

Through our charitable foundation, we seek opportunities to support disadvantaged children and families in the communities we serve.

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Community Support

Through our foundation and various community events, we invest in the Delaware and Maryland communities we love to serve.

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News & Promotions

We are always working to improve our online banking and mobile app and we believe that our upgrades and enhancements will help you enjoy your digital experience with Tidemark.

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Scholarships

The Tidemark Federal Credit Union Foundation is pleased to offer this scholarship program to high school students who plan to attend college or to existing college students who are continuing their education at the college level.

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Personal Goals Within Reach:
Discover Our Best Local Rates

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High Tide Checking

Looking for a checking account with a Tidal Wave of Rewards? Earn up to a $100 a month in rewards.

Standard Checking

Not into electronic services? This go-to account is for you.

Encore Checking

Need a fresh start? We have an account you.

Visa Debit Card

Make in-store purchases, access money anytime through ATMs and track all activity online while getting rid of paper checks.

Reorder Checks

When you open your checking account, a set of temporary checks and your first full check order is on us. Reordering is just a click away. If you run out before your next order, we can supply emergency checks at any branch to tide you over.

Special Pricing and Ease Of Ordering

Reorder checks 24/7 by clicking here; or, if you prefer, you can order while in your account in Online Banking or by calling our Member Service Center at (302)-629-0100 during regular business hours. Group discounts apply to all check orders.

ONLINE ACCOUNT ACCESS

Frequently Asked Questions

A typical commercial loan is a loan that is designed for businesses and other commercial entities to finance their operations or investments. These loans can be used for a variety of purposes, such as purchasing equipment or property, financing inventory or accounts receivable, or expanding the business. Commercial loans typically have higher borrowing limits and longer repayment terms than personal loans and may require collateral to secure the loan. The interest rates associated with commercial loans can vary depending on a number of factors, such as the borrower's creditworthiness, the amount being borrowed, and the term of the loan. Tidemark offers a range of commercial loan products to meet the needs of our business members. If you have any further questions about our commercial loan products or would like to apply for a loan, please do not hesitate to contact us!

When evaluating a commercial loan application, we typically look at several factors to determine whether to approve the loan and what terms to offer. These factors may include:

Creditworthiness: Review the credit history and credit score of both the business and the business owner(s). This includes evaluating payment history, outstanding debts, and any bankruptcies or foreclosures.
Business financials: Analyze the financial statements of the business, including income statements, balance sheets, and cash flow statements, to assess the financial health of the company and its ability to generate revenue.
Collateral: We may require collateral to secure the loan, such as real estate, inventory, or equipment. The value and liquidity of the collateral will be evaluated to determine the amount of the loan and the terms.
Business plan: Review the business plan to understand the purpose of the loan and the potential for future growth and profitability.
Industry and market trends: We may evaluate the industry and market trends to assess the potential risks and opportunities associated with the loan.

We do understand that every business owner's financial situation is unique. At Tidemark, we recognize this and strive to offer a variety of loan options to best suit your needs. Our lending experts are here to work with you to find the loan that is the right fit for you and your business.

The credit score required for a commercial loan can vary depending on a number of factors, including the type of loan, the size of the loan, and the creditworthiness of the borrower. While a high credit score can be a positive factor when evaluating a commercial loan application, it is not the only factor that we consider. We also look at the financial health of the business, the business plan, the purpose of the loan, and the collateral available to secure the loan.

That being said, a credit score is an important indicator of an applicant's creditworthiness, and a lower credit score may indicate a higher risk of defaulting on the loan. Therefore, a credit score of 680 or above is typically a good starting point for a commercial loan application. However, we encourage all business owners to speak with one of our lending experts to discuss their individual financial situation and determine the best loan option for their needs.

The length of a commercial loan can vary depending on a number of factors, such as the purpose of the loan, the financial health of the borrower, and the amount being borrowed. Generally, commercial loans have terms ranging from one to ten years, although some loans may have shorter or longer terms. Additionally, some loans may be structured with a balloon payment due at the end of the term, while others may have regular payments throughout the term of the loan. We work closely with our commercial loan customers to determine the best loan term for their specific needs and financial situation. If you have any further questions, please do not hesitate to contact us.

Rates are subject to change based on market conditions and may vary depending on a number of factors, such as creditworthiness and loan term, however, we offer extremely competitive rates on a variety of commercial products and services. If you have any questions or need further information about our rates or commercial services, please do not hesitate to contact us. Our team of knowledgeable professionals is here to assist you with all of your financial needs!