Alcoa Credit Union TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Alcoa Tenn, your trusted partner in financial wellness located at 124 N Hall Rd, Alcoa, TN 37701. Since our establishment in 1936, we have proudly served our community with a commitment to personalized banking and member satisfaction. With over 22,388 members and total assets reaching an impressive $397,588,616, we're more than just a credit union; we're a community-focused organization dedicated to helping you achieve your financial goals. At Alcoa Tenn, we understand that every member's needs are unique. That's why we offer a range of services including personal banking solutions like checking and savings accounts, auto loans, mortgage options, and business banking services. Our team is led by CEO David Gill and Board President Al Cage, who both share a passion for ensuring our members receive the best possible experience. Our commitment to transparency is evident in our robust financial standing: with total deposits of $76,176,317 and net worth of $47,688,588, you can trust that your money is safe with us. We also maintain a healthy cash reserve of $4,953,420, allowing us to support our members effectively. While members can visit us at 124 N Hall Rd, official correspondence should be sent to our mailing address at P.O. Box 9001, Alcoa, TN 37701. Whether you're looking for guidance on loans or seeking advice for future investments, our experienced staff is here to assist you every step of the way. Join us today and become part of a community that values you! For any inquiries or assistance, feel free to reach out at 865-977-3118 or explore more about our services on our website www.atfcu.com. We're excited to help you thrive financially!

Branch History & Mission

Join Us

We invite you to experience the benefits of being part of the Alcoa Tenn family. Whether you're looking for competitive loan rates or personalized customer service, we are here for you every step of the way. Explore what we offer by visiting us online or giving us a call at (865) 977-3118. Together, let's build a brighter financial future!

Our Evolution

Located at 124 N Hall Rd, Alcoa TN 37701, our branch has seen significant changes over the decades. From humble beginnings to managing total assets of nearly $398 million, we've adapted to meet the evolving needs of our community. Our headquarters in Alcoa continues to lead the way in providing accessible financial services that empower our members. We are more than just a credit union; we are your neighbors. Our operating hours reflect our commitment to convenience open Monday through Thursday from 9:00 am to 4:30 pm and Friday until 6:00 pm. With ATM availability and drive-thru banking services, we make it easy for you to manage your finances on your terms.

Our Mission

At Alcoa Tenn, our mission is clear: to provide exceptional financial services while fostering a sense of community among our members. We strive not only to support personal banking needs such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards but also to contribute positively to the lives of those we serve. Our initiatives extend beyond traditional banking. We actively engage in community outreach programs and partner with local organizations to uplift those in need. By focusing on both financial growth and community support, we create lasting impacts that resonate throughout Alcoa. While members can visit us at 124 N Hall Rd Alcoa Tn 37701, official correspondence should be sent to P.O. Box 9001, Alcoa, TN 37701 if necessary.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces to ensure that everyone can visit us comfortably. Plus, with convenient drive-thru banking available, you can handle your transactions without ever leaving your car.

Call to Action

We invite you to visit us at Alcoa Tenn today! If you have any questions or need assistance, feel free to give us a call at 865-977-3118. Our team is eager to help you achieve your financial goals!

Services Offered

At Alcoa Tenn, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. You can also take advantage of our ATM services for quick cash withdrawals and balance checks anytime. Our shared service center allows members of partner credit unions to enjoy basic transactions like deposits and withdrawals as well. With ATMs readily available and drive-thru options for quick transactions, your banking experience will be smooth and efficient.

Member Eligibility

At Alcoa Tenn, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in the Alcoa area, you're likely eligible to become a member. We also extend membership to family members of existing members, making it even easier to share the benefits of being part of our credit union family. By becoming a member at Alcoa Tenn, you gain access to personalized financial services, competitive rates, and a team dedicated to helping you achieve your financial goals. To learn more about the specific eligibility criteria or to see if you qualify, please visit our detailed page. When you're ready to take the next step and open an account, you can easily start the process by visiting https://onlineapp.atfcu.com/imsiweb/web/loan-app. If you have any questions or need assistance, feel free to give us a call at (865) 977-3118 we're here for you!

Business Banking & Commercial Services

Loan Options That Matter

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $311,100, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer practical merchant services that simplify everyday transactions. Imagine running your shop and seamlessly accepting payments from customers whether it's cash or card without any hassle. Our solutions help keep your cash flow smooth, allowing you to focus on what matters most: growing your business. If you're interested in exploring how Alcoa Tenn can support your business journey, visit us at 124 N Hall Rd Alcoa Tn 37701, Alcoa, TN or call us at (865) 977-3118. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Accessing Cash Made Simple

Need cash? Our branch offers easy access through our ATM services where you can withdraw funds or check balances at your convenience. Plus, with our basic drive-thru banking option, completing simple transactions like deposits and withdrawals has never been easier.

Business Banking Support

If you're a business owner, you'll find our business banking services invaluable. We provide essential tools like merchant services and business loans to help your company thrive in today's competitive market.

Credit Cards and Rewards

For those who love rewards, our credit cards with rewards program offers an opportunity to earn points on your purchases, allowing you to enjoy benefits while spending wisely.

Digital Banking Made Easy

In this fast-paced world, convenience is key. That's why we've invested in robust online and mobile banking platforms that let you manage your accounts from anywhere at any time. Whether it's checking balances, making transfers, or applying for loans, our digital features ensure you stay connected without hassle.

Get in Touch!

We invite you to experience all that we have to offer! Our friendly staff is always ready to assist with any questions or concerns you may have about our services. You can reach us at 865-977-3118 during our lobby hours: Monday through Thursday from 9:00 AM - 4:30 PM, and Friday from 9:00 AM - 6:00 PM. Come visit us at Alcoa Tenn today, where financial solutions meet community care! For more information about our services or to get started with an account, please explore our website at www.atfcu.com.

Personal Banking Solutions

At Alcoa Tenn, we understand that managing your finances can sometimes be overwhelming. That's why we offer a variety of personal banking services designed to simplify your financial life. From checking and savings accounts that help you manage everyday expenses to auto loans and vehicle financing for those exciting new purchases, our goal is to support you every step of the way. Are you considering buying a home? We provide mortgage loans and refinancing options tailored to meet your specific situation. Additionally, our personal loans and debt consolidation options can help you regain control over your finances if you're facing challenges.

Shared Branch Transactions

At Alcoa Tenn, we believe in collaboration. We provide basic shared branch transactions which allow partner credit union members to make deposits and withdrawals right here at our location.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.atfcu.com/, you can check your balance, transfer funds, and pay bills from the comfort of your home or on the go. Our mobile application makes it even simpler, allowing you to manage your finances right from your smartphone. Plus, with person-to-person transfers, sending money to friends or family is quick and hassle-free. For those who prefer paperless options, we provide e-statements, giving you a secure way to view your account statements without the clutter of physical mail. You can also take advantage of our electronic signature authorization feature, making it easy to sign documents digitally no need for printing or mailing.

Security & Accessibility

Your security is a top priority at Alcoa Tenn. We use advanced security measures to protect your personal information while ensuring that our online services remain user-friendly. You can feel confident knowing that your data is safe as you navigate through our digital offerings. Managing your money in real time has never been easier. Whether you're checking balances during lunch or paying bills late at night, our online banking services are always available. Join us today and experience the ease of banking with Alcoa Tenn!

Financial Strength

A Committed Team

We also take pride in having 75 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our operations reflect our dedication; our $1,769,783 indicates operational efficiency that allows us to continue offering competitive loan rates and solid financial products for our members.

Growing Membership Base

Total Share and Deposit Accounts: 45,180, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $323,149. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alcoa Tenn is your trusted partner. Visit us at 124 N Hall Rd Alcoa Tn 37701 or call (865) 977-3118 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member Savings and Investments

Members' savings are secured through $84,058,730 in share certificates and $21,512,189 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvesting for Growth

With $46,527,781 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,406 in used auto loans and $224,023,048 in total loans and leases.

Solid Financial Foundation

With a net worth of $47,688,588, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.96% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $47,915,001 in used vehicle loans and $9,918,319 in new vehicle loans already helping members get on the road. We provide flexible financing options that make it easier for you to drive off with the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $311,100 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are dedicated to supporting local entrepreneurs with tailored financing solutions. Our team at Alcoa Tenn, located at 124 N Hall Rd Alcoa Tn 37701, Alcoa, TN 37701, is ready to help you explore these options further. If you're considering refinancing or want to learn more about eligibility requirements, don't hesitate to reach out. You can contact us at (865) 977-3118 during our operating hours: Monday-Thursday from 9:00 am - 4:30 pm and Friday from 9:00 am - 6:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Alcoa Tenn, we're not just offering loans; we're offering a pathway to achieving your dreams while maintaining financial stability.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,827,693, make buying or refinancing simple. Our team is here to guide you through each step of the process, ensuring you find the right loan that fits your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $5,586,239 in loans helping members manage their finances effectively. Whether you're looking to consolidate debt or make necessary purchases without dipping into your savings, our credit card options are designed with your financial health in mind.

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ALCOA TENN FEDERAL CREDIT UNION - Alcoa, TN

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