Tennessee Members 1st Oak Ridge TN Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Tennessee Members 1st, your trusted financial partner located at 112 Administration Rd, Oak Ridge, TN 37830. Established in 1946, we have been proudly serving our community for over seven decades, fostering a spirit of cooperation and support among our 4,594 members. With total assets exceeding $96,809,318, we are committed to providing you with the financial services you need to thrive. At Tennessee Members 1st, we understand that banking is about more than just transactions; it's about building relationships. Our team of dedicated professionals, led by CEO James Mikels and Board President Gary Beckner, is here to ensure you receive personalized service tailored to your unique needs. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we're ready to help. While members can visit us at our branch address for in-person services and consultations, official correspondence should be sent to our mailing address: PO Box 6828, Oak Ridge, TN 37831. Our commitment to excellence is reflected in our robust financial health. With total deposits of $1,257,825 and a net worth of $10,999,019, we are well-equipped to serve you with confidence. We also hold a significant cash reserve of $1,262,321, ensuring that we can meet your needs promptly. Join us today and experience the difference that comes with being a member of Tennessee Members 1st. Feel free to reach out at 865-482-4343 or visit our website at mymembersfirst.org for more information. Let's build a brighter financial future together!

Branch History & Mission

Join Us

As we continue on this journey of growth and service, we invite you to join the Tennessee Members 1st family. Experience firsthand the benefits of membership with a credit union that truly cares about its community. Together, let's build a brighter financial future for all! For more information or to open an account today, visit us at Tennessee Members 1st.

Modern Services and Accessibility

In today's digital world, we understand the importance of convenience and accessibility. That's why we've invested in modern banking technology that allows our members to manage their finances anytime and anywhere. From online banking to mobile payments and e-statements, we make it easy for you to stay connected with your money. For those who prefer face-to-face interactions, our branch offers drive-thru banking services and shared service centers for simple transactions. Additionally, we ensure ADA compliance at all levels so that everyone can access our services comfortably. While members can visit us at 112 Administration Rd, official correspondence should be sent to PO Box 6828, Oak Ridge, TN 37831. If you have any questions or need assistance, feel free to contact us at 865-482-4343 during our operating hours: Monday to Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:30 AM to 12:30 PM.

Our Mission

At the heart of Tennessee Members 1st is a mission focused on empowering individuals and families through quality financial services. We believe that everyone deserves access to tools that can help them achieve their dreams, whether it's buying a first home or financing a new vehicle. Our offerings include personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards designed with you in mind. We also prioritize community support by engaging in outreach efforts that uplift those around us. Our team works hard to create partnerships within Oak Ridge, ensuring that we contribute positively not only through financial services but also through active participation in local initiatives.

Branch Location & Accessibility

Convenient Access

Our location offers ample parking, making it simple for you to stop by and take care of your banking needs. We are committed to accessibility, ensuring that everyone can visit us comfortably. Our facilities meet ADA compliance standards, featuring ramps and other accommodations for all members of our community.

Operating Hours That Fit Your Schedule

We understand that life gets busy! That's why we offer flexible operating hours. You can visit us Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 9:30 AM to 12:30 PM. Our team is here to assist you during these times, ready to answer any questions you may have.

Services Tailored for You

At Tennessee Members 1st, we provide a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, we've got you covered. Plus, if you're looking for quick transactions, our drive-thru service is available for deposits and withdrawals. Additionally, we proudly offer ATM access for your convenience along with shared service center transactions for members of partner credit unions. If you have any questions or want more information about our services, please don't hesitate to reach out! Call us at (865) 482-4343, and let us help you achieve your financial goals. We invite you to stop by Tennessee Members 1st today! Whether you're an existing member or new to our community, we look forward to welcoming you into our branch.

Member Eligibility

At Tennessee Members 1st, we believe that everyone deserves a financial partner who truly cares. Joining our community is simple and welcoming! You can become a member if you live, work, worship, or attend school in Anderson County or nearby areas. This inclusive approach means many people can benefit from our personalized services designed just for you. By becoming a member, you'll enjoy competitive rates on loans and savings, along with access to various financial tools tailored to help you succeed. Ready to take the next step? Opening an account with us is easy! Just visit our website at Tennessee Members 1st for more detailed eligibility criteria and information about how to get started. If you have any questions, feel free to reach out to us at (865) 482-4343. We're here to support you every step of the way!

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 $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $53 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $769,344, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, effective payment solutions are crucial for any business. Our merchant services provide you with the tools needed to accept payments easily and securely, whether you're operating a brick-and-mortar store or an online shop. Imagine having the ability to offer your customers various payment options that can enhance their shopping experience while improving your cash flow. Located at 112 Administration Rd Oak Ridge Tn 37830 in Oak Ridge, TN, we invite you to visit us or call us at (865) 482-4343 to discover how our business banking and commercial services can empower your entrepreneurial journey!

Comprehensive List Of Services

Accessible Banking Options

We also understand that sometimes you prefer in-person interactions. That's why we provide basic drive-thru banking for quick transactions like deposits and withdrawals. Additionally, through our shared branch transactions, members from partner credit unions can easily conduct deposits and withdrawals at our location. Whether you're visiting us at our branch located at 112 Administration Rd Oak Ridge Tn 37830 in Oak Ridge, or connecting through digital platforms, we are here to support you every step of the way. For any questions or assistance regarding our services, feel free to reach out at (865) 482-4343. Join us at Tn Members 1st Fcu today and experience the difference personalized banking can make!

Business Banking Services

For our business-minded members, we offer a range of business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide the support you need to succeed.

Digital Banking for Convenience

In today's fast-paced world, convenience is key. Our robust online and mobile banking features allow you to access your accounts anytime, anywhere. From checking balances and transferring funds to making payments on the go, managing your finances has never been easier. Plus, with our ATM and cash withdrawal services, getting cash when you need it is just a few taps away.

Financial Assistance When You Need It

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to help you regain control over your finances, making it easier for you to navigate tough situations without added stress. Plus, if you're interested in rewarding yourself while managing expenses, check out our credit cards with rewards a great way to earn benefits on your everyday purchases.

Personal Banking Solutions

Our personal banking services are tailored to help you manage your day-to-day finances with ease. We offer checking and savings accounts that suit your lifestyle, making it simple to keep track of your spending and savings goals. If you're considering purchasing a new car, our auto loans and vehicle financing options come with competitive rates, ensuring you drive away satisfied. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services provide flexible solutions that align with your financial situation.

Digital & Online Banking

Mobile App and Payments

Our mobile application is designed for those who prefer banking at their fingertips. With features like mobile payments, you can easily make purchases directly from your phone without carrying cash or cards. It's fast and secure just the way you want it.

Online Banking Services

With our 24/7 online banking services, managing your finances has never been simpler. You can check your balance, pay bills, and transfer money with just a few clicks. Plus, our user-friendly interface ensures that you won't have to spend time figuring out how to navigate through it.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfers make it easy to send funds instantly. Just enter their details, and you're good to go! At Tennessee Members 1st, we're committed to providing accessible and efficient banking solutions that meet your needs. Join us today and experience the convenience of modern banking!

Secure Transactions

Security is a top priority for us. We use advanced technology to protect your information during transactions. Our electronic signature authorization makes signing documents quick and safe, eliminating the need for paper forms. And if you choose to go green, you'll appreciate our e-statements, which are available to help you manage your finances while reducing paper waste.

Financial Strength

Growing Member Base

The trust you place in us is evident from our total share accounts of 8,355, showing a strong and growing member base that believes in what we offer. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tennessee Members 1st is your trusted partner. Visit us at 112 Administration Rd Oak Ridge TN 37830 or call 865-482-4343 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees who are dedicated to providing you with exceptional service.

Reinvesting in Your Future

With $9,105,126 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 681 used auto loans and a total of $42,887,669 in loans and leases.

Secure Savings for Members

Members' savings are secured through $19,901,754 in share certificates and $5,851,104 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, 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 $10,999,019, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.35% 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 $12,727,943 in used vehicle loans and $4,453,008 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make it easier for you to drive away with the vehicle you want. Whether you're considering a brand-new model or a reliable used option, our team is here to assist you every step of the way.

Business Financing

For business owners, our outstanding commercial loans totaling $769,344 provide the capital needed to grow and expand. We know how essential it is for businesses to have access to funding for operational costs or new projects. Our team is ready to discuss how we can support your business ambitions through tailored financing solutions. At Tennessee Members 1st located at 112 Administration Rd., Oak Ridge, TN 37830, we're dedicated to providing you with the financial tools you need. If you're interested in learning more about eligibility or refinancing options available for any of our loan products, please don't hesitate to contact us at 865-482-4343 during our operating hours: - Monday - Thursday: 8:30 AM - 5:00 PM - Friday: 8:30 AM - 5:30 PM - Saturday: 9:30 AM - 12:30 PM Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at Tennessee Members 1st for more information about our services!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we are committed to guiding you through other mortgage solutions tailored for your needs. We encourage you to reach out for personalized assistance and explore what options might work best for your financial situation.

Unsecured Credit Card Loans

For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans. While we currently do not have any outstanding balances in this category, our credit card options typically come with competitive features designed to help members build credit and access funds when necessary.

Loan Aggregator

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TENNESSEE MEMBERS 1ST FEDERAL CREDIT UNION - Oak Ridge, TN