Scenic Community Credit Union Ooltewah TN | Basic Drive-Thru & ATM Services

Introduction

Welcome to Scenic Community Credit Union, your trusted financial partner since 1954! Located at 9227 Lee Hwy, Ooltewah, TN 37363, we are dedicated to providing exceptional service and support to our growing community of over 15,000 members. With total assets exceeding $164 million, we pride ourselves on being a cornerstone of financial stability and growth for our members. At Scenic Community, we understand that banking is about more than just numbers; it's about relationships. Our commitment to you goes beyond offering a range of services, including loans and savings accounts. We strive to create an environment where every member feels valued and supported. Under the leadership of our CEO, Marty Stubblefield, and Board President, Allen Neely, our team of 47 employees works diligently to ensure your financial needs are met with care and professionalism. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 9227 Lee Hwy, Ooltewah, TN 37363. We invite you to explore our various services, including ATM access and basic drive-thru banking for deposits and withdrawals. With total loans amounting to 6,993 and total deposits standing at $14,036,5207, we aim to offer competitive rates that make a real difference in your life. Additionally, we maintain a healthy net worth of $17,199,441, ensuring that your investments are safe with us. We encourage you to visit our website at mysccu.com or give us a call at 423-875-6955 for any inquiries or assistance. Join us in building a brighter financial future together because at Scenic Community Credit Union, you're not just a member; you're family!

Branch History & Mission

At Scenic Community Credit Union, we take pride in our rich history and unwavering commitment to our members. Founded in 1954, our branch has been a cornerstone of the Ooltewah community for nearly seven decades. Located at 9227 Lee Hwy, Ooltewah, TN 37363, we have grown alongside our members, expanding from humble beginnings into a thriving financial institution with total assets of $164,587,727 and a membership base of over 15,095 individuals. Our mission is simple yet profound: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to reliable banking options and the support needed to achieve their financial goals. This mission drives us to offer personalized service and innovative solutions tailored to meet the unique needs of our members. Throughout the years, Scenic Community has adapted to changing times while maintaining its core values. We have embraced technological advancements to ensure our members have access to convenient services like online banking and mobile payments. With our commitment to accessibility, we also provide ADA-compliant facilities and resources for all members. As we look back on our journey, we celebrate key milestones that reflect our dedication to community engagement. We actively participate in local outreach initiatives, partnering with various organizations to give back and support those in need. These efforts not only strengthen our community but also enhance the lives of our members. While you can visit us at our main location on Lee Hwy, official correspondence should be sent to 9227 Lee Hwy, Ooltewah, TN 37363, ensuring prompt attention to your needs. Our operating hours are designed with your convenience in mind open Monday through Friday from 8:30 am to 5:30 pm and Saturday from 9:00 am to 1:00 pm. We invite you to join Scenic Community Credit Union and experience the difference that comes from being part of a supportive financial family. Whether you're looking for a loan, savings account, or simply want advice on managing your finances, we're here for you every step of the way. Together, let's build a brighter future for ourselves and our community! For more information or to become a member today, call us at (423) 875-6955 or visit us online at Scenic Community Credit Union.

Branch Location & Accessibility

Welcome to Scenic Community Credit Union, your friendly neighborhood financial partner located at 9227 Lee Hwy in Ooltewah, TN. Our branch is nestled conveniently along a busy route, making it easy for you to stop by while running errands or heading home from work. Just a short drive from the local Walmart and surrounded by popular dining spots, our location is perfectly positioned to serve the community. At Scenic Community, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily access our services. If you're driving in, you'll find ample parking available right outside our doors, allowing for a hassle-free visit. We're here to cater to your banking needs with convenient operating hours. Our lobby is open from 8:30 AM to 5:30 PM Monday through Friday and 9:00 AM to 1:00 PM on Saturdays. Whether you need assistance with personal loans or simply want to ask about account options, our friendly staff is always ready to help. For quick transactions, we also offer drive-thru banking services where you can make deposits and withdrawals without leaving your vehicle. Additionally, enjoy the convenience of our ATM services available on-site for cash withdrawals and balance inquiries at any time. While you can visit us at 9227 Lee Hwy for all your banking needs, please note that if you need to send us official correspondence, use our mailing address: 9227 Lee Hwy, Ooltewah, TN 37363. Feel free to reach out at 423-875-6955 if you have any questions or need assistance before visiting. We look forward to welcoming you at Scenic Community Credit Union!

Member Eligibility

Becoming a member of Scenic Community is like joining a family where everyone is valued and supported. If you live, work, worship, or attend school in Hamilton County, you're likely eligible to join us! We welcome individuals who share our commitment to community and financial well-being. Membership opens the door to a variety of financial services tailored just for you, from loans to savings accounts, all designed with your needs in mind. For full details on eligibility criteria, feel free to visit our website at http://www.mysccu.com/connect/membership. Joining is simple! You can start the process by visiting us at 9227 Lee Hwy Ooltewah Tn 37363 or calling us at (423) 875-6955. Our friendly staff is here to assist you every step of the way. Ready to take the next step? You can also check out how to open your account online at http://www.mysccu.com/borrow/apply-for-loan. We look forward to welcoming you into the Scenic Community community!

Business Banking & Commercial Services

Commercial 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.

Merchant Services That Matter

In today's fast-paced market, efficient payment processing is crucial. Our merchant services provide your business with the tools it needs to accept payments easily and securely. Imagine seamlessly handling transactions for your customers, whether they are shopping online or in-store. These services not only enhance customer satisfaction but also streamline your operations, allowing you more time to focus on what you do best running your business. At Scenic Community, we're here to support you every step of the way. Visit us at 9227 Lee Hwy Ooltewah Tn 37363 or call us at (423) 875-6955 to learn more about how we can assist you in achieving your business objectives.

Comprehensive List Of Services

Accessible Financial Tools

At Scenic Community Credit Union, we believe that accessing your account should be hassle-free. With our Basic ATM Access, you can perform vital tasks like balance checks and withdrawals anytime. This accessibility ensures that you have control over your finances no matter where life takes you.

Embracing Digital Convenience

In addition to our physical services, we offer robust digital banking features. You can manage your accounts online or through our mobile application, making it easy to stay on top of your finances wherever you are. Whether it's paying bills or transferring money person-to-person, our digital tools are designed with your convenience in mind. We invite you to explore all the services available at Scenic Community and see how we can help make banking easier for you. Join us today and take advantage of our offerings designed for every member's unique needs! For more information or to get started, please visit us online at https://www.mysccu.com/ or give us a call at (423) 875-6955. Your financial journey starts here!

Personalized Banking Experience

Whether you're making a simple deposit or need to access cash quickly, our ATM Services Only make it easy for you to manage your money on the go. With convenient access, you can withdraw funds and check balances without stepping into the branch. We know that life gets busy, so having this flexibility is crucial.

Streamlined Transactions with Drive-Thru Banking

For those who prefer face-to-face interactions but want to save time, our Basic Drive-Thru Banking service allows you to conduct essential transactions such as deposits and withdrawals from the comfort of your vehicle. This feature is perfect for parents juggling kids or anyone looking to simplify their banking experience.

Digital & Online Banking

Mobile Banking Convenience

Our mobile application makes it even easier to manage your finances on the go. You can make mobile payments directly from your phone and even send money quickly with our person-to-person transfers feature. This means splitting bills or sending gifts is as simple as tapping on an app!

Online Banking Features

With our 24/7 online banking platform, available at https://www.mysccu.com/, you can access your accounts whenever it suits you. Whether you're checking balances, transferring funds, or reviewing transactions, everything is just a few clicks away. You can also set up e-statements, allowing you to view your account statements electronically, so you'll always have important information at hand without the clutter of paper.

Security and Accessibility

We prioritize your security while ensuring ease-of-use in all our digital services. While we do not currently offer electronic signature authorization for transactions, rest assured that your personal information is protected through industry-standard encryption measures. Our user-friendly interface helps you navigate through features effortlessly. Whether you're using our online banking services from the comfort of your home or accessing our mobile app during your commute, Scenic Community is here to support you every step of the way. We invite you to explore these convenient options today!

Financial Strength

At Scenic Community, 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 are committed to providing you with reliable services backed by solid 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. 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. With $3,000,805 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; we currently have $42,217 in used auto loans and a total of $136,251,092 in loans and leases supporting your financial goals across various sectors. Our $634,795 net income 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 47 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 23,948, 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, Scenic Community is your trusted partner. Visit us at 9227 Lee Hwy Ooltewah TN 37363 or call 423-875-6955 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 $83,476,248 in used vehicle loans and $34,284,246 in new vehicle loans already helping members get on the road. We provide flexible terms that make it easier for you to drive away in your dream vehicle.

Credit Lines

In addition to personal loans and auto financing, we provide access to credit lines totaling $14,279,192. This option is ideal for those looking for a safety net or additional funds for unexpected expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,207,756, make buying or refinancing simple. We strive to make the process straightforward and accessible for all our members.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, feel free to contact us or visit our website at mysccu.com. We are here to help you navigate through the available choices tailored to your unique situation. All 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 Scenic Community Credit Union, we prioritize your financial well-being and are committed to offering competitive loan products that empower you today and into the future.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $659,746 in loans helping members manage their finances effectively. These cards are designed to provide you with the purchasing power you need while keeping your budget in check.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel confident knowing that they are comparing rates from reputable lenders. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach allows users to find the best loan options without being influenced by advertising. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. With LendMesh, you don't have to spend hours researching; the information is available at your fingertips. 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 the service. 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.