Scenic Community Credit Union Chattanooga TN | Best Auto Loans & Business Banking

Introduction

Welcome to Scenic Community Credit Union, your trusted financial partner nestled in the heart of Chattanooga, TN. Since our establishment in 1954, we have proudly served over 15,095 members, helping them achieve their financial goals with personalized services and unwavering support. With total assets exceeding $164 million and a solid net worth of $17,199,441, we stand as a pillar of strength and reliability in our community. Located conveniently at 8171 E Brainerd Rd, Chattanooga, TN 37421, our branch is designed to meet your banking needs with ease. Whether you're looking for a checking account, auto loans, or business financing options, we are here to help you navigate your financial journey. While members can visit us at this address for all their banking needs, official correspondence should be sent to our mailing address: 8171 East Brainerd Rd, Chattanooga, TN 37421-4302. Under the leadership of our dedicated CEO, Marty Stubblefield, and Board President Allen Neely, our team of 47 employees works tirelessly to provide exceptional service tailored to you. With a focus on community impact and member satisfaction, we pride ourselves on maintaining a transparent and supportive environment for all our clients. At Scenic Community Credit Union, we understand that your financial well-being is paramount. That's why we offer competitive rates on loans over 6,993 loans issued and ensure your deposits are safe with us. We currently hold an impressive total deposit amount of $-1,342,434, demonstrating our commitment to nurturing your hard-earned savings. We invite you to explore the many services we offer at Scenic Community Credit Union. For more information or assistance, don't hesitate to reach out via phone at (423) 875-6955 or visit us online at mysccu.com. Join us today and let us help you turn your financial dreams into reality!

Branch History & Mission

At Scenic Community Credit Union, we take pride in our rich history that dates back to 1954. Established with the goal of serving the financial needs of our community in Chattanooga, TN, we have grown from a small cooperative into a trusted financial partner for over 15,000 members. Our branch is located at 8171 E Brainerd Rd, nestled in a vibrant neighborhood that reflects the spirit of our community. Throughout the years, Scenic Community has embraced growth and change while remaining committed to our mission: to provide exceptional financial services and support to our members and the surrounding community. With total assets of $164,587,727, we have established ourselves as a pillar of financial strength and stability. Our dedicated team works diligently to offer personal banking solutions including checking and savings accounts, auto loans, mortgages, and business banking services. Our mission goes beyond just providing financial products; it includes uplifting our community. We actively engage in outreach efforts that empower our members through financial education and assistance programs. We believe that by helping individuals achieve their financial goals, we can contribute to the overall prosperity of Chattanooga. In addition to traditional banking services, we are proud to offer modern conveniences such as online and mobile banking options. Our commitment to accessibility is further reflected in our ADA compliance initiatives and the availability of ATMs and drive-thru services for easy transactions. While members can visit us at 8171 E Brainerd Rd for all their banking needs, official correspondence should be sent to our mailing address: 8171 East Brainerd Rd, Chattanooga, TN 37421-4302. We are open from 8:30 AM to 5:30 PM Monday through Friday and from 9:00 AM to 1:00 PM on Saturdays, making it convenient for you to stop by or reach out by phone at 423-875-6955. As we look toward the future, we invite you to join Scenic Community Credit Union. Experience firsthand how we blend tradition with innovation to provide you with the best possible service. Together, let's build a brighter financial future for you and our community!

Branch Location & Accessibility

Operating Hours

At Scenic Community Credit Union, we strive to make banking as convenient as possible. Our lobby hours are Monday through Friday from 8:30 AM to 5:30 PM, and we're also open on Saturdays from 9:00 AM to 1:00 PM. Whether you need help with personal banking or want to apply for an auto loan, our friendly staff is here to assist you during these hours.

Services and Amenities

We are proud to offer a variety of services tailored for both personal and business needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! Need cash? Our ATM is available on-site for your convenience. Plus, with basic drive-thru banking options available for deposits and withdrawals, managing your finances has never been easier. Feel free to reach out by phone at 423-875-6955 if you have any questions or need assistance. We invite you to visit us today at Scenic Community Credit Union your community partner in financial success!

Member Eligibility

At Scenic Community, we believe that everyone deserves a chance to be part of a welcoming community that supports your financial journey. If you're curious about joining us, you'll be pleased to know that membership is open to anyone who lives, works, worships, or attends school in the Hamilton County area. We want you to feel at home here, so becoming a member is straightforward and inclusive. You can find more detailed information about eligibility by visiting our website at http://www.mysccu.com/connect/membership. Once you're ready to take the next step towards membership, opening an account with Scenic Community is simple! Just head over to our application page at http://www.mysccu.com/borrow/apply-for-loan and follow the easy steps. If you have any questions along the way or need assistance, don't hesitate to give us a call at 423-875-6955. We're excited to welcome you into our family at 8171 E Brainerd Rd, Chattanooga, TN 37421!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine having a reliable partner that not only provides funding but also helps streamline your payment processes. Our merchant services allow you to accept payments easily, ensuring smooth transactions that keep your customers satisfied. Whether you're selling online or in-store, we've got the tools you need to manage your finances effectively. Located at 8171 E Brainerd Rd, Chattanooga, TN 37421, we're here to support your business every step of the way. Reach out to us at 423-875-6955 and discover how Scenic Community can empower your entrepreneurial journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $15 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $3,636,371, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're a business owner, Scenic Community has got you covered with comprehensive business banking services, including merchant services and business loans tailored for small businesses. We aim to support local entrepreneurs by providing financial solutions that help them thrive.

Call to Action

At Scenic Community, we're dedicated to making banking easier and more accessible for everyone in our community. If you're ready to take control of your finances or explore how we can assist with your banking needs, don't hesitate to reach out! Give us a call at (423) 875-6955 or visit us at Scenic Community Credit Union today! Let us help you achieve your financial goals with confidence.

Credit Cards and Rewards

We also believe in rewarding our members. Our credit cards with rewards programs allow you to earn points for every dollar spent. These points can be redeemed for travel, merchandise, or even cash back making every purchase more valuable.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can easily manage your accounts from anywhere at any time whether it's checking your balance, transferring funds between accounts, or making payments all from the comfort of your home or on the go through our mobile application. With our ATM & cash withdrawal services, accessing your money is easy and efficient. Plus, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to every lifestyle. Whether you want easy access to your funds or a way to save for future goals, we have options that fit your needs. If you're in the market for a new vehicle, our auto loans and vehicle financing services provide competitive rates and flexible terms. We understand how important it is for you to get behind the wheel without breaking the bank. For those looking to invest in a home or refinance an existing mortgage, our mortgage loans and refinancing options can help make that dream a reality. Additionally, if life throws unexpected expenses your way, our personal loans and debt consolidation services are here to ease your financial burden.

Digital & Online Banking

Key Features

Managing your money has never been easier. With our user-friendly mobile application, you can check your balance, pay bills, and transfer funds all from your smartphone. Plus, if you're on the go, our mobile payments feature allows you to make quick payments without the hassle of cash or cards. Want to send money to a friend? Our person-to-person transfer service makes it simple and instant. You'll also appreciate the added benefit of e-statements, which means you can say goodbye to paper clutter. Review your statements anytime you need them securely and conveniently! For those who prefer digital signatures, we've got that covered too, although electronic signature authorization is not currently available at Scenic Community.

Security You Can Trust

At Scenic Community, your security is our top priority. We employ advanced technology to ensure that all transactions are safe and secure. Rest easy knowing that you can manage your finances without worrying about unauthorized access. With accessible features and real-time account management, digital banking at Scenic Community empowers you to take control of your financial life with ease. Whether you're checking balances or making payments, we're here for you every step of the way. Join us today at https://www.mysccu.com/ to discover how simple banking can be!

Financial Strength

Member Trust

Total Share Accounts: 23,948, showing a strong and growing member base that trusts us with their finances. Our commitment to you is clear we are here to help you navigate your financial journey confidently. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Scenic Community is your trusted partner. Visit us at 8171 E Brainerd Rd Chattanooga Tn 37421 or call 423-875-6955 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our net income of $634,795 reflects our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 47 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $3,000,805 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $4217 in used auto loans and an impressive $136,251,092 in total loans and leases.

Secure Savings Options

Members' savings are secured through $39,398,730 in share certificates and $25,203,060 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.

Strong Financial Health

With a net worth of $17,199,441, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.37% 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 $83,434 in total auto loans already helping members get on the road. We provide options for both new and used vehicles, with $34,284.46 available for new vehicle loans and $83,476,248 allocated for used vehicle loans. No matter which option you choose, our team will help you navigate through the details and provide flexible financing solutions.

Business Loans

For business owners, our outstanding commercial loans totaling $3,636,371 provide the capital needed to grow and expand your business. We understand how important it is to have access to funds when opportunities arise. Our team can assist you in finding a suitable financing solution tailored specifically for your business needs. If you're considering refinancing any of these products or would like more information on eligibility options, please don't hesitate to reach out. Feel free to visit us at 8171 E Brainerd Rd, Chattanooga TN 37421, or give us a call at 423-875-6955 during our operating hours: 8:30 AM to 5:30 PM Monday through Friday and 9:00 AM to 1:00 PM on Saturday. 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 us help you take the next step toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $3,207,756, making buying or refinancing simple. We understand that purchasing a home is one of the most significant investments you'll ever make. That's why we strive to offer competitive rates and personalized service to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $659,746 in loans helping members manage their finances effectively. Whether you're looking to consolidate debt or make a large purchase without collateral, our credit card options can provide you with the financial flexibility you need.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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 that all offers are fair and transparent, allowing you to trust the information you receive.