Alcoa Tenn Credit Union Vonore TN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Alcoa Tenn, your trusted partner in financial well-being located at 160 Deer Xing, Vonore, TN 37885. Established in 1936, we have proudly served our community for over 85 years, helping members achieve their financial goals with a personal touch. With a strong membership base of 22,388 and total assets exceeding $397 million, we are committed to providing exceptional service and a wide range of financial products tailored to your needs. Our dedicated team of 76 employees is led by CEO David Gill and Board President Al Cage, who work tirelessly to ensure that every member feels valued and supported. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 160 Deer Xing, Vonore, TN 37885-2133. At Alcoa Tenn, we believe in the power of community. We have made significant contributions to local development through various lending programs, boasting a total loan portfolio of 8,637 loans that empower our members to invest in their futures. Our total deposits stand at an impressive $76,176,317, ensuring that your funds are safe and accessible. We offer a variety of services including personal banking solutions like checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and business banking services. Whether you're looking to purchase your dream car or expand your business, we're here to help. Ready to take the next step? Give us a call at 423-884-6124 or visit our website at www.atfcu.com for more information about how we can serve you better. Join us today and experience the Alcoa Tenn difference where your financial success is our top priority!

Branch History & Mission

Commitment to Innovation and Community

As we look toward the future, Alcoa Tenn remains committed to embracing digital advancements that enhance member experiences. Our online and mobile banking platforms allow for easy access to accounts anytime and anywhere. Additionally, with features like electronic signatures and e-statements, we ensure your transactions are secure and efficient. We recognize the importance of community involvement. Over the years, we have partnered with local organizations for outreach programs aimed at promoting financial literacy and supporting those in need. Our dedication goes beyond just numbers; it's about making a real difference in people's lives.

Join Us

We invite you to experience the benefits of being part of Alcoa Tenn. Whether you are looking for personal banking solutions or business services tailored to your needs, we're here for you. Visit us during our operating hours Monday through Wednesday from 9:00 am to 4:30 pm and Thursday through Friday from 9:00 am to 5:00 pm or give us a call at 423-884-6124. Become part of our growing family at Alcoa Tenn today! Together we can build a brighter financial future for you and our community.

Our Mission

At Alcoa Tenn, our mission is clear: to provide exceptional financial services while fostering community growth and support. We are dedicated to offering a range of services including personal banking, auto loans, mortgage refinancing, business banking solutions, and more. Our aim is to empower our members by helping them achieve their financial goals while ensuring they receive personalized service every step of the way. While members can visit us at 160 Deer Xing for their banking needs, official correspondence should be sent to 160 Deer Xing, Vonore, TN 37885-2133 if necessary.

Branch Location & Accessibility

Convenient Access and Amenities

At Alcoa Tenn, we prioritize your convenience. We offer ample parking right outside our branch for easy access. The facility is designed with accessibility in mind, featuring ADA-compliant ramps and pathways, ensuring everyone can visit us comfortably.

Operating Hours Tailored for You

We understand that your time is valuable. That's why we have flexible operating hours: we're open Monday through Wednesday from 9:00 AM to 4:30 PM, and on Thursday and Friday from 9:00 AM to 5:00 PM. Whether you're looking to open an account or discuss loan options, we're here when you need us!

Services to Meet Your Needs

Our branch offers a variety of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with our drive-thru service available for quick transactions and ATM access for cash withdrawals, banking with us is as easy as pie. While members can visit us at our branch address for all in-person services, please remember that official correspondence should be sent to our mailing address at 160 Deer Xing, Vonore, TN 37885-2133. If you have any questions or need assistance, don't hesitate to give us a call at 423-884-6124. We invite you to come by and see how Alcoa Tenn can help make your banking experience simple and enjoyable!

Member Eligibility

At Alcoa Tenn, we believe that everyone deserves a chance to be part of a welcoming community that supports their financial journey. If you're looking to join us, you'll be glad to know that becoming a member is easier than you might think! Generally, eligibility includes living, working, or worshipping in the local area. We aim to keep things friendly and straightforward there's no need for complicated requirements. Once you're eligible, you'll enjoy benefits like competitive rates on loans and personalized service that makes your banking experience feel special. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . When you're ready to take the next step, opening an account is a breeze! Just visit https://onlineapp.atfcu.com/imsiweb/web/loan-app for all the details. If you have any questions or need assistance, don't hesitate to give us a call at (423) 884-6124. We can't wait to welcome you into the Alcoa Tenn family!

Business Banking & Commercial Services

Lending Support for Growth

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $311,100, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Simplify Transactions

Beyond loans, our merchant services are designed to streamline your payment processes. Imagine a busy Saturday at your shop; you can accept payments quickly and securely, allowing you to focus on what matters most serving your customers and growing your sales. Choose Alcoa Tenn as your trusted partner in navigating the financial aspects of your business. Visit us at 160 Deer Xing Vonore Tn 37885 or call us at (423) 884-6124 to learn how we can support your unique needs!

Comprehensive List Of Services

Business Banking Solutions

For our local entrepreneurs, we offer business banking services including merchant services and business loans tailored to help your venture thrive. We know how important it is for businesses to have reliable banking support.

Convenient Access

Accessing your accounts has never been easier with our ATM and cash withdrawal services available at various locations. Plus, if you're in a hurry or need quick service, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. Whether you're stopping by our branch at 160 Deer Xing Vonore Tn 37885, calling us at 423-884-6124, or visiting us online at atfcu.com, we're dedicated to making your banking experience as convenient as possible. Join us at Alcoa Tenn today! Explore how our comprehensive list of services can support your financial journey. Your goals are within reach; let's achieve them together!

Credit Cards with Rewards

For everyday spending, consider our credit cards with rewards. You can earn points for purchases that add up over time, turning routine expenses into opportunities for savings or gifts.

Home Financing

If owning a home is on your agenda, our mortgage loans and refinancing options can guide you through the process smoothly. We take the time to explain all available choices so you can select what works best for your situation. Our mortgage specialists are here to answer any questions you may have along the way.

Personal Banking

We understand that managing your finances is crucial. That's why we offer checking and savings accounts that fit different lifestyles and goals. Imagine having easy access to your funds through our online and mobile banking options, allowing you to check balances, transfer money, and pay bills anytime, anywhere. For those looking to finance their dream car, our auto loans and vehicle financing provide competitive rates that can help make that goal a reality.

Personal Loans

Need a little extra cash? Our personal loans and debt consolidation options are designed to help you manage unexpected expenses or simplify your financial obligations. With straightforward terms and friendly service, we aim to make borrowing as stress-free as possible.

Digital & Online Banking

Key Features of Our Digital Banking Services

With our 24/7 online banking services at https://www.atfcu.com/ , you can access your accounts whenever it suits you. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Our user-friendly platform ensures that you can navigate through your financial information effortlessly. Need to sign important documents quickly? No problem! We provide electronic signature authorization, allowing you to sign documents securely from the comfort of your home. This feature saves you time and eliminates the hassle of printing and mailing paperwork. For those who prefer going paperless, we offer e-statements that give you quick access to your account statements right when you need them. This not only helps you stay organized but also contributes to a more sustainable environment by reducing paper waste.

Mobile Banking at Your Fingertips

Our mobile application makes banking on the go even easier. Whether you're out shopping or relaxing at home, manage your accounts directly from your smartphone. Plus, with the person-to-person transfer option, sending money to friends or family is as simple as a tap on your screen. While we currently don't support mobile payments, our commitment to enhancing your banking experience remains strong. We continually look for ways to improve our services based on what our members need. With all these features combined, Alcoa Tenn ensures that accessing and managing your finances is straightforward and secure. Explore everything our digital banking has to offer today at https://www.atfcu.com/ your financial needs are just a click away!

Financial Strength

A Growing Member Base

Our commitment is evident as we manage a total of 45,180 share accounts a testament to the trust placed in us by our growing member base. We value each member's relationship with us and strive to foster long-lasting partnerships. 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 160 Deer Xing Vonore Tn 37885 or call (423) 884-6124 to learn more about how we can help you achieve your financial goals.

Committed Team

We also take pride in having 75 full-time employees and 1 part-time employees who are dedicated to serving you with knowledge and care. Our team is always ready to assist you with any questions or needs you may have.

Focused on You

Unlike traditional banks, we focus on our members' needs. With non-member deposits at $0, our resources are strategically aimed at benefiting you through better loan rates, lower fees, and exclusive perks. Your interests always come first at Alcoa Tenn.

Investment in Innovation

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 growth translates into more opportunities for you.

Lending Support

Our lending capacity supports members' financial goals across various sectors with $3,406 in used auto loans and $224,023,048 in total loans and leases. Whether you're looking to buy a car or finance another project, we're here to help you every step of the way.

Member-Centric Savings Options

We prioritize your savings! Members' funds are secured through $84,058,730 in share certificates and $21,512,189 in money market shares, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your assets sets us apart from traditional banks.

Operational Efficiency

Despite facing economic challenges, our operational efficiency shines through with a net income of $0 reflecting our ability to provide competitive loan rates and solid financial products for our members.

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 $1,196 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. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options are flexible and straightforward.

Business Loans

For business owners, our outstanding commercial loans totaling $311,100 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve your current operations, we have tailored solutions designed for small businesses. We invite you to visit us at 160 Deer Xing Vonore Tn 37885 in Vonore, TN, or give us a call at (423) 884-6124 to learn more about how our loan offerings can support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let's work together to find the right loan for you!

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. We guide you through every step of the process so you can feel confident in your investment. Plus, if you're considering refinancing an existing mortgage, we can help you explore eligibility options to find a solution that best suits your needs.

Unsecured Credit Cards

Managing day-to-day expenses can be easier with our unsecured credit card loans. With a total of $5,586,239 in loans helping members manage their finances effectively, our credit cards come with flexible terms that allow you to maintain control over your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to compliance guarantees that users receive fair and transparent offers. One of the key benefits of using LendMesh is its Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what users can expect. Additionally, there are No Sponsored Listings on LendMesh; lenders are not prioritized based on paid promotions. This means that users see unbiased results that truly reflect current market conditions. With Real-Time Rate Comparisons, LendMesh provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

ALCOA TENN FEDERAL CREDIT UNION - Vonore, TN