Healthcare Services Credit Union Chattanooga TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Healthcare Services, your trusted financial partner located at 1111 E 3Rd St, Chattanooga, TN 37403. Since our establishment in 1952, we have proudly served our community by offering a range of financial services tailored to meet the diverse needs of our 3,154 members. With total assets exceeding $23,249,184 and deposits amounting to $2,415,852, we are committed to ensuring the financial well-being of those we serve. At Healthcare Services, we believe in building lasting relationships with our members. Our dedicated team, led by CEO Shannon Walters and Board President Fred Gault Jr., works tirelessly to provide personalized service that you can trust. Whether you're looking for auto loans, mortgage options, or personal banking solutions, our knowledgeable staff is here to help you navigate your financial journey. While members can visit us at our branch for friendly face-to-face assistance and drive-thru services, official correspondence should be sent to the same address. We take pride in being an integral part of Chattanooga's financial landscape, with a commitment to community impact evident in our responsible lending practices and member-focused approach. With 8 employees ready to assist you from 7:15 AM to 5:00 PM, we're always available to answer your questions or help with your banking needs. Experience the difference that comes from being part of a credit union that truly cares about its members. Ready to take the next step? Visit us today or give us a call at 423-664-0320 we're excited to help you achieve your financial goals! For more information on our services and offerings, check out our website at www.hscu.net.

Branch History & Mission

Community Focus

We pride ourselves on being more than just a bank; we are an integral part of the Chattanooga community. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact in people's lives beyond just financial transactions. As we look toward the future, we're excited about continuing this journey together with you. We invite you to join us at Healthcare Services where your financial health is our priority. Experience firsthand the benefits of being part of a credit union that truly cares about its members and their communities. For more information or to get started today, feel free to reach out by phone at (423) 664-0320 or visit us online at our website. Together, let's build a brighter financial future!

Our Journey

From the moment we opened our doors, our mission has been clear: to provide personalized financial services that support and uplift our members and their families. Over the years, we've built a legacy of trust and integrity, continually adapting to meet the evolving needs of our community. Today, with total assets of over $23 million, we are equipped to offer a wide range of services including personal banking, auto loans, mortgage financing, and credit card options with rewards. While members can visit us at 1111 E 3Rd St Chattanooga Tn 37403, official correspondence should be sent to 1111 E 3rd St, Chattanooga, TN 37403-2202.

Our Mission

At Healthcare Services, our mission is not only about delivering financial products but also about fostering a strong sense of community. We believe that when we invest in our members' financial well-being, we help strengthen the entire Chattanooga area. Our dedicated team works tirelessly to provide exceptional service and create innovative solutions tailored to meet your unique financial goals. Our branch features convenient drive-thru banking services for quick deposits and withdrawals. Although we currently do not have ATM facilities available at this location, you can easily access your accounts online or through mobile banking. We are committed to keeping pace with digital advancements while ensuring ADA compliance so that all members can enjoy accessible services.

Branch Location & Accessibility

Accessibility Features

At Healthcare Services, we prioritize accessibility for all our members. Our location features ADA-compliant ramps and parking spaces to ensure that everyone can access our services without hassle. Plus, with our convenient drive-thru banking option, you can handle transactions quickly from the comfort of your vehicle.

Operating Hours

Our doors are open Monday through Friday from 7:15 AM to 5:00 PM, making it simple for you to drop by before work or during lunch breaks. We understand that your time is valuable, which is why we aim to provide efficient service in a welcoming environment.

Services Offered

We offer a wide range of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For those looking into business banking, we also provide merchant services and business loans. Our online and mobile banking facilities allow you to manage your finances on-the-go. If you have any questions or need assistance, don't hesitate to call us at 423-664-0320. We're excited to help you with all your financial needs! Come visit us today!

Member Eligibility

At Healthcare Services, we believe that becoming a member is like joining a caring family where your financial well-being matters. Membership is open to individuals who meet specific criteria, such as being employed in healthcare or related fields, or having an immediate family member who is already a member. We strive to make the process as welcoming as possible, ensuring everyone feels included and valued. To discover if you qualify, we encourage you to visit our detailed eligibility page at . Opening an account is straightforward and designed with your convenience in mind. You can find all the necessary information about starting your membership on our website. If you have any questions or need assistance, don't hesitate to reach out at (423) 664-0320. Your journey toward better banking starts here at Healthcare Services, located at 1111 E 3Rd St Chattanooga Tn 37403!

Business Banking & Commercial Services

Commercial Loans

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. - 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer robust merchant services that make transactions easier for you and your customers. Picture this: a customer walks into your store, makes a purchase, and completes the transaction quickly and securely all thanks to our reliable payment processing solutions. This not only enhances customer satisfaction but also streamlines your operations. Located at 1111 E 3Rd St Chattanooga Tn 37403 in Chattanooga, TN, we're here to provide the financial support you need to take your business to the next level. Connect with us today at (423) 664-0320 to learn more about how we can partner with you on your journey!

Comprehensive List Of Services

Business Solutions

If you're a business owner, our Business Banking services include merchant services and business loans designed to help your venture thrive. You can focus on what matters most growing your business while we handle the financial side.

Connect With Us!

We invite you to experience all that Healthcare Services has to offer! Our team is here to assist you at every turn. For more information about our services or if you have any questions, please call us at 423-664-0320 during our operating hours from 7:15 AM to 5:00 PM on weekdays. Let us be part of your financial journey!

Easy Access & Convenience

To ensure ease of access, we provide ATM & Cash Withdrawal Services, even though there is no ATM on-site. Our drive-thru banking offers basic services like deposits and withdrawals, making it convenient for those on the go. In today's digital world, having access to your finances anytime is crucial. That's why we prioritize Online & Mobile Banking, which allows you to perform transactions from your computer or mobile device efficiently. With features like person-to-person transfers and easy balance checks, managing your finances has never been easier.

Loans for Every Journey

When it comes to financing your dreams, look no further than our Auto Loans & Vehicle Financing options. Whether you're purchasing a new car or refinancing an existing loan, we help make the process simple and straightforward. If you're considering buying a home, our Mortgage Loans & Refinancing services can guide you through every step. Picture yourself moving into your dream house with manageable monthly payments that fit your budget. For those unexpected expenses or plans requiring some extra cash, our Personal Loans & Debt Consolidation services can help you consolidate debt into one easy payment or finance personal projects without the hassle. We also offer Credit Cards with Rewards, giving you the chance to earn while you spend on things you love.

Personal Banking

Starting with Personal Banking, we offer various checking and savings accounts that cater to your everyday needs. Imagine easily accessing your funds through our online and mobile banking options, allowing you to check balances or transfer money anytime, anywhere. Our accounts come with features like e-statements and electronic signature authentication for added security.

Digital & Online Banking

Key Services

Our online banking services allow you to view balances, pay bills, and transfer funds with just a few clicks. Plus, we offer person-to-person transfers, making it simple to send money to friends or family without the hassle of cash or checks. And for those who prefer paperless options, e-statements are available, giving you instant access to your account statements whenever you need them. Security is a top priority at Healthcare Services. We provide electronic signature authorization for added peace of mind during transactions. This ensures that your information is protected while still offering the convenience of signing documents online.

Mobile Banking on the Go

For members who are always on the move, our mobile application is here to help. Download it to manage your accounts directly from your smartphone. Although we don't currently support mobile payments, our app allows you to check balances and perform transactions easily and securely. With 24/7 online banking services available, you'll never miss out on managing your finances effectively. Whether it's day or night, our platform is ready when you are. Join us at Healthcare Services today and experience how easy banking can be! Your financial freedom starts with just a click!

Financial Strength

Committed Team

Our success is driven by our dedicated team. We take pride in having 8 full-time employees ready to assist you with knowledgeable service. Our efficient operations are reflected in our $123,491, enabling us to continue offering competitive loan rates and solid financial products for our members.

Focused on Growth

With $3,069,550 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 with $386 in used auto loans and $14,598,347 in total loans and leases.

Growing Together

Total Share Accounts: 5,170, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to provide exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Healthcare Services is your trusted partner. Visit us at 1111 E 3Rd St Chattanooga Tn 37403 or call (423) 664-0320 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,521,056 in share certificates and $1,062,853 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $257,402, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $3,658,147, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,573 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 $5,980,198 in used vehicle loans and $6,081,664 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got you covered.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $575,208 in loans helping members manage their finances effectively. Our credit card products come with rewards and benefits that can enhance your purchasing power while keeping your finances in check.

Credit Lines

For those who need extra flexibility in managing their expenses, we have established credit lines totaling $1,000,000. This option allows you to access funds as needed without the hassle of applying for multiple loans. Our loan offerings are designed with you in mind. If you're considering refinancing or exploring eligibility options for any of our products, please don't hesitate to reach out to us at 423-664-0320. 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 look forward to helping you find the right financial solution tailored just for you!

Mortgage Loans

Thinking about homeownership? While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, we are committed to supporting your journey to homeownership through other financing options. Feel free to reach out for more information on any refinancing or eligibility options that might be available.

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 a focus on transparency and reliability, LendMesh empowers users to make informed financial decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to accuracy is based on the latest results (Source: https://www.ncua.gov), which guarantees fair and transparent offers for every user. By focusing on verified data, LendMesh builds trust and confidence among its users. One of the standout features of LendMesh is its commitment to providing verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users receive reliable information when comparing options. Additionally, LendMesh operates without sponsored listings, meaning that lenders are not prioritized based on paid promotions. This approach reinforces the platform's goal to deliver unbiased results, allowing users to choose loans based solely on what works best for their needs. LendMesh also provides real-time rate comparisons, ensuring that users have access to up-to-date loan rates from multiple institutions. This feature is essential for making informed decisions and finding the most competitive rates available in the market. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "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 LendMesh as a trusted resource in navigating loan options. 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.*