Appliance Credit Union Cleveland TN | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Appliance Credit Union, where we believe in the power of community and personalized financial service. Located at 150 Linden Ave SE, Cleveland, TN 37311, our credit union has been proudly serving our members since 1972. With a strong commitment to supporting local families and businesses, we have grown to serve over 2,059 members who rely on us for their banking needs. At Appliance Credit Union, we understand that financial decisions are significant and personal. That's why our dedicated team, led by CEO Bobbie Ross and Board President Joseph Barrineau, is here to provide tailored solutions that fit your lifestyle. We offer a variety of services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards all designed to help you achieve your financial goals. With total assets of $15,105,316 and deposits reaching $658,019, you can trust us to manage your finances responsibly. Our commitment to our members is reflected in our net worth of $1,777,010 and cash reserves of $919,734, ensuring that your money is safe with us. While members can visit us at our branch location for in-person assistance or transactions through our drive-thru service, official correspondence should be directed to our mailing address: P.O. BOX 1057, CLEVELAND, TN 37364. We invite you to experience the friendly service that sets Appliance Credit Union apart. Whether you're looking for assistance with loans or just want to explore what we have to offer, feel free to give us a call at 423-479-5511 or visit our website at appliancecu.com. Join us today and discover how we can help you build a brighter financial future!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of the Appliance family. Experience firsthand how we can support your financial goals while nurturing the vibrant community spirit that defines us. Visit us during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday, or give us a call at (423) 479-5511. Join us today and discover how together we can build a brighter tomorrow!

Modern Services

In today's fast-paced world, accessibility is key. That's why we offer various modern conveniences like online banking, mobile applications, and ATM access at our location. We ensure that our services remain compliant with ADA standards so everyone can comfortably use them. Our drive-thru service provides additional ease for busy members who need quick transactions without leaving their vehicles. While members can visit us at 150 Linden Ave Se Cleveland Tn 37311, official correspondence should be sent to P.O. BOX 1057, CLEVELAND, TN 37364 if needed.

Our Legacy

From our humble beginnings at 150 Linden Ave Se Cleveland Tn 37311, we have grown alongside our members, adapting to their needs and the changing landscape of banking. We started with a simple mission: to provide accessible financial services that empower our community. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, credit cards, and business banking solutions. Our total assets now stand at an impressive $15,105,316, reflecting the trust and support of our members.

Our Mission

At Appliance, our mission is clear: to enhance the quality of life for our members through exceptional financial services and unwavering community support. We strive to foster a culture of inclusivity where every member feels valued and heard. Whether you're looking for a checking account, seeking a loan for your dream car, or needing advice on managing debt, we are here to guide you every step of the way. Our commitment extends beyond banking; we actively engage in community outreach initiatives that uplift and inspire those around us. From educational workshops to local sponsorships, we believe in giving back and strengthening the bonds within our community.

Branch Location & Accessibility

Convenient Location

You'll find us near local landmarks that are familiar to our community members. With plenty of parking available, accessing our branch is hassle-free. We also prioritize accessibility; our facilities comply with ADA standards to ensure everyone can bank comfortably.

Operating Hours

Our doors are open Monday through Friday from 8:30 AM to 5:00 PM, providing you ample time to visit us during your day. Need assistance after hours? Feel free to give us a call at 423-479-5511 we're here to help!

Services Offered

At Appliance Credit Union, we offer a variety of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we've got your financial needs covered. Plus, enjoy the convenience of our ATM and drive-thru banking for quick deposits and withdrawals. While we currently do not offer shared services, we focus on providing personalized member support. While members can visit us at 150 Linden Ave Se Cleveland Tn 37311, official correspondence should be sent to P.O. BOX 1057, Cleveland, TN 37364.

Visit Us Today!

We invite you to stop by and discover how Appliance Credit Union can help you achieve your financial goals. Our friendly team is eager to assist you with any questions or needs you may have. See you soon!

Member Eligibility

At Appliance, we believe that becoming a member means joining a caring community where your financial needs are prioritized. If you're looking to enjoy personalized service and great benefits, you'll be happy to know that membership is open to individuals who live, work, worship, or attend school in our area. Simply put, if you're part of our vibrant community here in Cleveland, TN, we want you with us! For detailed eligibility requirements, feel free to check out this link. Opening an account with us is a breeze and paves the way for you to access a variety of services designed just for you. From checking and savings accounts to loans and credit cards with rewards, we've got something for everyone. If you have any questions or need assistance during the process, don't hesitate to give us a call at (423) 479-5511. We're excited to welcome you into the Appliance family!

Business Banking & Commercial Services

Flexible Financing Options

Though we haven't yet funded commercial loans for our members or non-members, our vision is clear: to empower local businesses with flexible financing solutions when they need it most. Whether you're looking to purchase new equipment or expand your operations, we aim to provide the support you need to reach your goals.

Merchant Services That Matter

In addition to loans, we also offer merchant services designed to simplify payment processing for your business. Imagine having a reliable partner who can help you manage transactions effortlessly allowing you more time to focus on what you do best: running your business. We invite you to visit us at 150 Linden Ave Se Cleveland Tn 37311 or call us at (423) 479-5511 for more information on how we can assist you in achieving your business aspirations!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have outstanding commercial loans, we are excited about the potential for future partnerships.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, our business banking services provide essential tools for growth. From merchant services that facilitate transactions to business loans tailored for your specific needs, we're committed to supporting local businesses in their journey towards success.

Convenient Access and Support

We know that convenience is key when managing finances. That's why we offer ATM and cash withdrawal services that are easily accessible for all members. Our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without leaving your vehicle perfect for busy days! At Appliance, we prioritize digital access with features like online banking and mobile applications. With these tools at your fingertips, banking becomes easier than ever before.

Get In Touch

Ready to explore how Appliance can serve your financial needs? We invite you to visit us at 150 Linden Ave Se Cleveland Tn 37311 or give us a call at (423) 479-5511 during our operating hours from 8:30 AM to 5:00 PM on weekdays. Join us today and experience the difference of personalized service tailored just for you!

Mortgage and Credit Services

Buying a home is one of the biggest decisions you'll make. Our mortgage loans and refinancing options are designed to guide you through every step of the journey. With dedicated mortgage specialists ready to assist you, achieving homeownership is closer than ever. Additionally, if you're looking for a credit card with rewards, we've got just what you need! Enjoy benefits that enhance your spending power while allowing you to earn points on everyday purchases.

Personal Banking Services

For those seeking personal banking options, we offer various checking and savings accounts tailored to fit your lifestyle. Imagine having the flexibility to manage your finances effortlessly, whether it's through our convenient online banking platform or mobile app. You can easily check balances, transfer funds, and pay bills from anywhere! If you're planning to purchase a new car or refinance your existing auto loan, our auto loans and vehicle financing options can make that process smoother. Our competitive rates allow you to drive away in your dream car without financial stress. When life presents unexpected expenses, our personal loans and debt consolidation services can provide the relief you need. We work with you to find the best solution that fits your budget.

Digital & Online Banking

Key Features

With our online banking platform available at https://www.appliancecu.com/ , you can access your accounts 24/7 from the comfort of your home or on the go. Whether you're checking balances, transferring funds, or reviewing transactions, everything is just a few clicks away. Our user-friendly interface makes it simple for everyone, from tech-savvy users to those who may be less familiar with digital tools. When it comes to security, we've got you covered. We offer electronic signature authorization for important documents, ensuring that your transactions are not only quick but also safe. Plus, our availability of e-statements means you can keep track of your financial activity without the clutter of paper statements.

Mobile Banking Convenience

For those who prefer using their smartphones, our mobile application provides all the functionalities you need at your fingertips. You can make person-to-person transfers easily whether you're splitting a dinner bill or sending money to a friend. While we currently do not support mobile payments, our app still offers robust features for managing your account on the go.

Stay Connected

With our commitment to making banking accessible and easy for all members, Appliance ensures that you can manage your finances in real-time. Our online banking services empower you to take control of your money whenever and wherever you choose. Join us today and experience how simple banking can be!

Financial Strength

Growing Member Trust

Total Share Accounts at 3,428 show a strong and growing member base that trusts us with their finances. This trust fuels our mission to support your needs as we focus on providing exceptional service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Appliance is your trusted partner. Visit us at 150 Linden Ave Se Cleveland Tn 37311 or call (423) 479-5511 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $834,692 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. Although our non-member deposits stand at $0, this reinforces our commitment to using resources to benefit you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees ready to serve you with a knowledgeable team.

Reinvestment for Growth

With $1,777,010 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 members' financial goals across various sectors with $834 in used auto loans and $6,602,300 in total loans and leases.

Strong Financial Foundation

With a net worth of $1,777,010, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,176 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 $3,041,620 in used vehicle loans and $1,316,931 in new vehicle loans already helping members get on the road. We provide financing options that are flexible and tailored to meet your individual needs.

Credit Lines

For those who need additional flexibility, our total credit lines amount to $1,300,000. This option allows you to borrow as needed while only paying interest on what you use. If you're considering refinancing or want to explore eligibility options for any of our loan products, feel free to reach out! We're here to guide you through the application process and answer any questions you may have. For more information or personalized assistance, please contact us at (423) 479-5511 or visit us at our branch located at 150 Linden Ave Se Cleveland Tn 37311 in Cleveland, TN. We look forward to helping 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.*

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $50,979, make buying or refinancing simple. We aim to streamline the process, so you can focus on what matters most making your house a home.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $114,701 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can help you save even more.

Loan Aggregator

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APPLIANCE CREDIT UNION - Cleveland, TN