EPB Employees Credit Union Chattanooga TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Epb Employees, your trusted financial partner located at 1500 McCallie Ave, Chattanooga, TN 37404. Since our establishment in 1954, we have proudly served our community with a commitment to providing exceptional financial services tailored to the needs of our members. With over 2,500 members and a solid foundation of assets totaling $40,581,884, we are dedicated to helping you achieve your financial goals. At Epb Employees, we understand that trust is essential in banking. That's why we focus on building strong relationships with our members, ensuring they feel valued and understood. Our experienced team, led by CEO Jerry Trotter and Board President Dale McLeod, works tirelessly to offer personalized service and expert guidance. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1500 McCallie Ave, Chattanooga, TN 37404-2937. We take pride in maintaining an open line of communication; feel free to reach out to us at (423) 648-3413 during our operating hours from Monday through Friday, 8:00 AM - 4:30 PM. Our offerings include a variety of financial products such as checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. With a total loan portfolio of 1,249 loans, and deposits reaching $560,825, we ensure that your money is working hard for you while staying safe and secure. Join us at Epb Employees where we are committed to supporting your financial journey. Visit our website at epbecu.org or call us today to discover how we can assist you further!

Branch History & Mission

Welcome to the heart of our community at Epb Employees, located at 1500 McCallie Ave, Chattanooga, TN 37404. Since opening our doors in 1954, we have been dedicated to serving the financial needs of our members and the surrounding community. Over the years, we have grown into a trusted resource for 2,503 members, helping them achieve their financial goals while fostering a sense of belonging. At Epb Employees, our mission is clear: to provide exceptional financial services that empower our members and support our local community. We believe that banking should be accessible and personal. Our services include checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. We strive to meet the diverse needs of our members while maintaining a commitment to friendly service and transparency. Our branch has experienced significant milestones throughout its history. With total assets reaching an impressive $40,581,884, we are well-equipped to handle the financial aspirations of our members. Our dedicated team of six employees is here to assist you from Monday through Friday, 8:00 AM - 4:30 PM. We understand that convenience is essential for our members. While we currently do not offer ATM or drive-thru services, we prioritize digital advancements with features like online banking and mobile payments. This ensures that you can manage your finances effortlessly from anywhere. Community involvement is at the core of what we do. We actively engage in partnerships and outreach efforts aimed at enhancing the quality of life in Chattanooga. By supporting local events and initiatives, we strive to create a positive impact beyond just banking. If you wish to reach us for any inquiries or assistance, please call us at 423-648-3413. While members can visit us at 1500 McCallie Ave, official correspondence should be sent to 1500 McCallie Ave, Chattanooga, TN 37404-2937 if needed. Join us at Epb Employees and discover how we can help you build a brighter financial future. Experience the difference of being part of a credit union that truly cares about its members and community! Visit us today or explore more on our website: epbecu.org.

Branch Location & Accessibility

Connect With Us

Have questions? Feel free to reach out at 423-648-3413. Our dedicated staff is eager to help you navigate your financial journey. We encourage you to stop by and discover how Epb Employees can serve your banking needs today!

Visiting Us

Our branch is designed with your convenience in mind. While we do not have ATM services on-site or drive-thru banking available, we invite you to visit us during our operating hours: Monday through Friday from 8:00 AM to 4:30 PM. Our team is here to assist you with a variety of personal banking needs, including checking and savings accounts, auto loans, and more. For those who may require assistance, our branch is ADA compliant, ensuring that everyone can access our services comfortably. We also have ample parking available for members visiting our location. If you need to send us any official correspondence, please direct it to our mailing address at 1500 McCallie Ave, Chattanooga, TN 37404-2937.

Member Eligibility

Becoming a member of Epb Employees is like joining a family that genuinely cares about your financial well-being. If you live, work, or worship in the Chattanooga area, you're already on your way to enjoying the perks of membership! It's as simple as that. At Epb Employees, we welcome individuals who share our commitment to community and support each other through various financial journeys. By becoming a member, you'll gain access to personalized services like competitive loan rates, convenient online banking, and much more that caters to your unique needs. To learn more about the specific eligibility criteria and ensure you qualify, feel free to visit our detailed guide at http://www.epbecu.org/membership.html. Once you're ready to take the next step, opening an account is easy! Just head over to https://apply.7mortgage.coop/epb to get started. If you have any questions along the way, don't hesitate to reach out to us at (423) 648-3413. We're excited to welcome you into our community at Epb Employees, located at 1500 Mccallie Ave Chattanooga Tn 37404!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Merchant Services

In addition to loans, our merchant services make it easy for businesses to handle transactions efficiently. Whether you need payment processing solutions or assistance with point-of-sale systems, we're here to help simplify your operations and enhance customer experience. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Partner with us at Epb Employees today and let's build your business together! For more information, call us at (423) 648-3413 or visit our website at https://www.epbecu.org/.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? At Epb Employees, we offer competitive auto loans and vehicle financing options that cater to your budget. Our team understands that purchasing a vehicle is a significant investment, and we're committed to helping you secure the best terms possible. Picture yourself cruising down the road in your dream car without any financial worries!

Business Banking

For entrepreneurs and business owners, we provide comprehensive business banking solutions including merchant services and business loans. We understand that running a business comes with its own set of challenges and opportunities. Let us partner with you to provide the resources needed for growth and success.

Credit Cards with Rewards

Enjoy shopping while earning rewards! Our credit cards come with attractive benefits that make every purchase worthwhile. Imagine earning points on your everyday spending that you can redeem for travel, merchandise, or even cash back. It's a smart way to maximize your spending power.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. If you're ready to buy a home or want to lower your current mortgage payments, we're here to assist you every step of the way. Our knowledgeable staff will guide you through the application process, ensuring you find the right loan that meets your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your finances from the palm of your hand whether it's checking balances, paying bills, or transferring funds between accounts. Plus, with features like person-to-person payments, sharing money with friends or family has never been easier. We invite you to visit us at Epb Employees for personalized service from our friendly team. You can also reach us at (423) 648-3413 during our operating hours from Monday through Friday, 8:00 AM - 4:30 PM. Explore all that we offer at Main Office, where your financial success is our priority! For more information on membership or to open an account online, please check out our website.

Personal Banking

For individuals seeking reliable banking options, our personal banking services include checking and savings accounts designed to fit various lifestyles. Imagine easily managing your day-to-day expenses while also saving for future goals all through our user-friendly online and mobile banking platforms. You can access your accounts anytime, anywhere, making it simpler than ever to keep track of your finances.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans, you can take control of those costs without breaking the bank. If you're juggling multiple debts, consider our debt consolidation services combining them into one manageable payment can relieve stress and help you regain financial stability.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to manage your accounts anytime, anywhere. Whether you want to check your balance, pay bills, or transfer funds, our user-friendly interface makes it simple. Plus, if you prefer using your smartphone, our mobile application brings the bank to your pocket. You can download it today and enjoy banking on the go! Need to send money quickly? Our person-to-person transfer feature allows you to send money directly to friends or family without any hassle. It's fast and secure perfect for those moments when you need to share expenses or lend a helping hand.

Security and Accessibility

Your security is our priority. While we currently do not offer electronic signature authorization, we have robust measures in place to protect your personal information. You can rest assured that your data is safe with us. For those who want to keep track of their finances without paper clutter, we provide e-statements that are both convenient and environmentally friendly. You'll receive your statements electronically, making it easy to access them whenever needed.

Stay Connected

With mobile payments enabled at Epb Employees, you can make purchases directly from your phone with ease. Just tap and go! This feature integrates seamlessly into your everyday life, allowing for quick transactions while you're out and about. In a world where time is precious, our digital banking services aim to empower you with real-time account management right at your fingertips. Join us at Epb Employees and experience how easy banking can be!

Financial Strength

At Epb Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong financial foundation, which allows us to serve our community with confidence. With a net worth of $4,110,456, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,011 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $7,107,616 in share certificates and $1,395,403 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,306,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $2,371,909 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 $290 in used auto loans and $17,352,881 in total loans and leases. Our commitment to operational efficiency is reflected in our $-64,829, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $314,462. Total Share and Deposit Accounts: 4,573, 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, Epb Employees is your trusted partner. Visit us at 1500 Mccallie Ave Chattanooga Tn 37404 or call (423) 648-3413 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,624,100 in used vehicle loans and $2,951,255 in new vehicle loans already helping members get on the road. Whether you're interested in purchasing a brand-new vehicle or a reliable used one, our auto loan options are tailored to fit your budget.

Credit Card Options

We also offer flexible terms on unsecured credit card loans, with a total of $156,384 in loans helping members manage their finances effectively. This option allows you the freedom to make purchases while enjoying rewards and benefits tailored just for you.

Credit Lines

Our credit lines provide an additional layer of financial flexibility, with a total of $2,700,000 available for our members. This can be particularly useful for unexpected expenses or projects that require immediate funding.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,420,758, make buying or refinancing simple. We provide competitive interest rates and flexible terms to ensure that your journey to owning a home is as smooth as possible.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that may save you money on interest rates or lower your monthly payments. Our team is here to discuss eligibility options and find the best solution for your financial situation. For any questions or further assistance regarding our loan offerings, feel free to contact us at (423) 648-3413. You can also visit us at our branch located at 1500 Mccallie Ave Chattanooga Tn 37404, Chattanooga, TN TN. 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 Epb Employees, we're dedicated to helping you navigate your financial journey with confidence and ease!

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Epb Employees