Chattanooga Area Schools Credit Union TN | Affordable Auto Loans & ATM Services

Introduction

Welcome to Chattanooga Area Schools, your trusted financial partner located at 1201 Bailey Ave, Chattanooga, TN 37404. Since our establishment in 1935, we have proudly served over 12,219 members, providing a range of financial services tailored to the needs of our community. With total assets exceeding $183 million and deposits amounting to $9,707,086, we are committed to helping you achieve your financial goals. At Chattanooga Area Schools, we believe in building strong relationships with our members. Under the leadership of our dedicated CEO, David Siatkowski, and Board President, John Maynard, Jr., our team of 14 employees is here to support you every step of the way. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to PO Box 3529, Chattanooga, TN 37404-2806. Our team is always ready to assist you during our lobby hours from 9 AM to 4:30 PM on weekdays. With a robust loan portfolio that includes over 3,980 loans, we are equipped to cater to diverse borrowing needs while ensuring competitive rates and personalized service. We take pride in our solid financial health as reflected in our net worth of $22,925,275 and available cash in hand amounting to $2,750. Join us today at Chattanooga Area Schools! Explore how we can help you with your banking needs by visiting our website at CASFCU.COM or giving us a call at 423-624-9094. Your financial success is our priority!

Branch History & Mission

Join Us Today!

With total assets exceeding $183 million and a strong commitment to member satisfaction, Chattanooga Area Schools is here for you. Whether you're looking for checking accounts or financing options for your next vehicle purchase, we're ready to help you every step of the way. We invite you to join us today and experience the benefits of being part of a caring credit union that puts its members first. For more information about membership or to open an account online, please visit our website or call us at 423-624-9094. Together, let's build a brighter financial future!

Our Journey

Located at 1201 Bailey Ave, Chattanooga, TN 37404, our branch has played a vital role in the local economy. Over the years, we have built strong relationships with our members by providing essential financial services tailored to their needs. Our journey has been marked by significant milestones, including expanding our offerings to include personal banking, auto loans, mortgage financing, and business banking solutions. As we continued to grow, so did our commitment to technology and accessibility. Today, we proudly offer online and mobile banking services that allow members to manage their finances conveniently from anywhere. While we do not have ATMs available at this location, our drive-thru service ensures that essential transactions can be completed quickly and easily.

Our Mission

At Chattanooga Area Schools, our mission is clear: to empower our members with the financial tools they need to achieve their goals while making a positive impact on the community we serve. We believe in fostering financial literacy and offering support through various educational programs and resources. Our vision extends beyond just banking; we are dedicated to giving back through community outreach initiatives. By partnering with local organizations and schools, we strive to make a difference in the lives of those around us. While you can visit us at 1201 Bailey Ave, official correspondence should be sent to PO Box 3529, Chattanooga, TN 37404-2806 if necessary.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance before your visit, feel free to give us a call at 423-624-9094. While members can visit us at 1201 Bailey Ave for all their banking needs, official correspondence should be sent to PO Box 3529, Chattanooga, TN 37404-2806. We invite you to come see us soon! At Chattanooga Area Schools branch, we're more than just a credit union; we're part of your community.

Convenient Access and Amenities

At our branch, you will find ample parking that makes visiting us a breeze. We are committed to being accessible to everyone, featuring ADA-compliant facilities including ramps and easy entry points. If you prefer not to enter the building, we also offer drive-thru banking for quick deposits, withdrawals, and simple transactions without leaving your vehicle.

Operating Hours

We understand that life can be busy! That's why we are open Monday through Friday from 9:00 AM to 4:30 PM, making it easy to fit your banking needs into your schedule. Whether you're stopping by on your way to work or after picking up the kids from school, we're here for you.

Services Tailored for You

While visiting us at our branch, you'll have access to a variety of personal banking services such as checking and savings accounts, auto loans, and mortgage options. Our knowledgeable team is always ready to help with any questions or services you might need. Plus, if you're looking for convenience on-the-go, take advantage of our online and mobile banking options.

Member Eligibility

At Chattanooga Area Schools, we believe that everyone deserves to be part of a friendly and supportive community. Becoming a member is easy! If you live, work, or go to school in the Chattanooga area, you're likely eligible for membership. We welcome individuals and families who share our values and want to take advantage of the financial services we offer. Membership comes with great perks like competitive loan rates, personalized banking options, and a dedicated team ready to assist you. For more detailed eligibility criteria, feel free to visit our website at https://www.casfcu.com/membership . Once you're ready to join us, opening an account is a breeze just check out the simple steps at https://online.casfcu.com/auth/enrollment or give us a call at (423) 624-9094. Join us at our branch located at 1201 Bailey Ave Chattanooga Tn 37404, and start enjoying all the benefits of being part of the Chattanooga Area Schools family today!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 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 $967,394, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your business smoothly while managing customer payments effortlessly. Our merchant services help streamline transactions, making it easier for you to accept payments and focus on what matters most growing your business. Visit us at 1201 Bailey Ave Chattanooga Tn 37404 in Chattanooga, TN or call us at (423) 624-9094 to learn more about how our business banking and commercial services can benefit you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing solutions make it simple and affordable. We provide competitive rates that help you get behind the wheel without breaking the bank. Picture driving off in your dream car with manageable monthly payments tailored just for you.

Business Banking

For entrepreneurs, we offer business banking solutions tailored to meet your specific needs. From merchant services to business loans, we are committed to helping your business thrive in today's competitive market.

Credit Cards with Rewards

Our credit cards come with rewards that let you earn while you spend! Enjoy benefits like cashback or travel points, making everyday purchases more rewarding. Who doesn't love getting something back while shopping?

Drive-Thru Banking

For those quick transactions when you're on the go, take advantage of our basic drive-thru banking services. Whether it's deposits or withdrawals, we've got you covered without needing to step inside. At Chattanooga Area Schools, we strive to offer services that not only meet but exceed your expectations. No matter what stage you're at in life whether saving for retirement or buying your first home we are here for you every step of the way. Ready to explore how we can assist you further? Visit us at 1201 Bailey Ave Chattanooga Tn 37404 or check out our website at https://www.casfcu.com/ today!

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make, and we are here to support you every step of the way with our mortgage loans and refinancing options. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our friendly staff will guide you through the process, ensuring it's as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, managing your finances should be convenient. Our online and mobile banking platforms allow you to check balances, transfer funds, and pay bills anytime, anywhere. With these tools at your fingertips, keeping track of your finances has never been easier.

Personal Banking

Whether you're just starting out or looking to expand your banking options, our personal banking services cater to everyone. We offer checking and savings accounts that fit your lifestyle, allowing you to easily manage your day-to-day transactions and save for the future. Imagine having a reliable place for your hard-earned money, where you can also earn interest on your savings!

Personal Loans & Debt Consolidation

Need some extra cash for an unexpected expense? Our personal loans can help bridge that gap. If debt is weighing you down, consider our debt consolidation options designed to simplify your payments and reduce stress. Imagine having one easy monthly payment instead of juggling multiple bills!

Digital & Online Banking

Key Features of Our Online Services

Dive into the world of online banking by visiting us at https://www.casfcu.com/ . Here, you can easily access your account information, view transactions, and check your balances without needing to visit a branch. Our 24/7 online banking services allow you to take control of your finances whenever it suits you best. Need to keep track of your statements? Enjoy the convenience of e-statements, allowing you to view your financial documents electronically no more waiting for the mail! This feature not only saves paper but also helps you stay organized and environmentally friendly. For those who like to manage their accounts on the go, our mobile application is available for download. It's user-friendly and designed for easy navigation, so you can make transfers, pay bills, and check balances right from your smartphone or tablet.

Safe and Secure Transactions

Your security is a top priority. Although we currently do not offer electronic signature authorization or person-to-person transfer features, rest assured that our systems are designed to keep your information safe. We use advanced security measures to protect your data while you're banking online. While mobile payments aren't available yet, our online platform lets you manage all your transactions safely. Whether you're making a payment or checking account details, you can trust that your information remains confidential. In summary, Chattanooga Area Schools offers robust digital banking options tailored for ease and security. With our online banking services, e-statements, and mobile application at your fingertips, managing your finances has never been simpler!

Financial Strength

Commitment to Growth

With $12,557,081 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 $1,642 in used auto loans and $82,048,885 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $61,996,232 in share certificates and $26,636,049 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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 14 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $22,925,275, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,252 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $906,166. Total Share and Deposit Accounts: 15,719, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chattanooga Area Schools is your trusted partner. Visit us at 1201 Bailey Ave Chattanooga Tn 37404 or call (423) 624-9094 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $26,402,289 in used vehicle loans and $13,455,575 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, our team is here to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $967,394 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support you with financial solutions tailored for your success.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,064,941, make buying or refinancing simple. We pride ourselves on providing competitive rates and flexible terms tailored to meet your needs.

Refinancing Options

If you're looking to lower your monthly payments or take advantage of better interest rates, ask about our refinancing options. We're dedicated to providing solutions that fit your financial situation. Our branch is located at 1201 Bailey Ave Chattanooga TN 37404, and you can reach us at 423-624-9094 for any questions or assistance you may need regarding our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to explore these opportunities and see how we can help you meet your financial aspirations!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently our total in unsecured credit card loans is $0, we are committed to helping members manage their finances effectively through various other lending options.

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. With an emphasis on transparency and reliability, LendMesh serves as a trustworthy tool for consumers seeking the best financial options available. Loan data on LendMesh is sourced 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 ensures fair and transparent offers, giving users confidence in their loan choices. By relying on verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions. One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings; lenders are not prioritized based on paid promotions. Instead, users receive a clear view of all available loan options, allowing them to make informed decisions without any hidden agendas. Additionally, LendMesh provides real-time rate comparisons from multiple institutions. This feature is crucial for those looking to save money over the long term by securing competitive interest rates. 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!" Such testimonials highlight the effectiveness and reliability of this comparison tool. If you're ready to explore your options and find the best rates tailored to your needs, compare real-time loan offers today at LendMesh. 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.

CHATTANOOGA AREA SCHOOLS FEDERAL CREDIT UNION