Tennessee Valley Credit Union Ringgold GA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Tennessee Valley, your trusted partner in financial growth, located at 35 Poplar Springs Rd, Ringgold, GA 30736. Established in 1936, our credit union has been dedicated to serving our community with a strong focus on member satisfaction and financial well-being. With over 167,000 members and assets totaling an impressive $2.78 billion, we are proud to be a cornerstone of financial support for families and businesses alike. At Tennessee Valley, we understand that every member's needs are unique. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions, we have tailored services ready for you. Our total loans amount to 61,412, demonstrating our commitment to helping members achieve their financial goals. While you can visit us at our branch location for friendly service and support, please note that official correspondence should be sent to our mailing address: PO Box 23967, Chattanooga, TN 37422. Led by our CEO Todd Fortner and Board President David Longmire, our team of 539 dedicated employees is here to assist you with all your banking needs. We believe in building relationships with our members based on trust and reliability, ensuring that you receive personalized service every step of the way. With a robust net worth of $394 million and total deposits exceeding $621 million, Tennessee Valley stands strong as a reliable financial institution committed to your success. We're also proud of our cash reserves amounting to $38.82 million, which enables us to provide security and peace of mind for all our members. We invite you to explore the many benefits of membership at Tennessee Valley Credit Union. Visit us online at tvfcu.com or call us at 423-634-4900 today! Let us help you take the next step towards achieving your financial dreams.

Branch History & Mission

Tennessee Valley has a rich legacy that began in 1936, when it first opened its doors in Ringgold, GA. Over the years, we have grown to become a trusted financial partner for our community. Located at 35 Poplar Springs Rd, our branch is not only a place for banking but a cornerstone of support for local families and businesses. With a total membership of over 167,000 and assets amounting to $2,779,579,673, our commitment to serving the needs of our members has never been stronger. At Tennessee Valley, our mission is clear: to provide exceptional financial services while fostering a sense of community. We strive to empower our members through accessible banking solutions, including personal and business accounts, auto loans, mortgages, and more. Our aim is to help you achieve your financial goals while ensuring that we contribute positively to the well-being of Ringgold and surrounding areas. We take pride in offering convenient services such as ATM access and drive-thru banking for quick transactions. Our lobby hours are designed with your busy schedule in mind: Monday through Friday from 9:00 a.m. to 5:00 p.m., with extended drive-thru hours available on Saturdays from 7:00 a.m. to 7:00 p.m. Whether you need assistance with online banking or prefer face-to-face interactions, we are here for you. As we reflect on our journey since opening in 1936, we recognize the importance of innovation in meeting today's banking needs. We offer digital advancements like mobile payments and e-statements to make banking easier and more efficient for you. We also ensure ADA compliance so that all members can access our services comfortably. Community outreach is at the heart of what we do. Through various partnerships and initiatives, Tennessee Valley actively supports local events and organizations that uplift our community. We believe that by investing in Ringgold's future, we can build stronger relationships with our members. Join us at Tennessee Valley and experience firsthand the benefits of being part of a credit union that truly cares about you. Whether you're looking for straightforward banking options or personalized financial advice, we're here to guide you every step of the way. Contact us at 423-634-4900 or visit us online at Tennessee Valley to learn more about how we can serve you better!

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important for our members. Our branch features ADA-compliant access points, including ramps for those who need them. Plus, there's ample parking available right outside the door, making it simple for everyone to visit us.

Get in Touch

If you have any questions or would like more information about what we offer, feel free to give us a call at 423-634-4900. Our team is always ready to help! We invite you to visit us soon and see how we can support your financial journey here at the Tennessee Valley Ringgold Branch!

Operating Hours and Services

Our friendly team is here to assist you with all your banking needs during our lobby hours: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and on Saturday, we're open for drive-thru banking from 7:00 a.m. to 7:00 p.m. You can also take advantage of our ATM services any time of day or night, providing you with convenient access to cash when you need it. At Tennessee Valley, we offer a wide range of services tailored just for you from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. Whether you're looking for straightforward transactions through our drive-thru or want to explore more complex financial products, we have something for everyone. While members can visit us at 35 Poplar Springs Rd Ringgold Ga 30736, official correspondence should be sent to PO Box 23967, Chattanooga, TN 37422 if different from our branch address.

Member Eligibility

At Tennessee Valley, we believe that becoming a member means joining a supportive community where your financial goals are prioritized. If you're wondering whether you qualify to join us, it's pretty straightforward! Generally, membership is open to anyone who lives, works, or worships in Catoosa County and surrounding areas. We also welcome family members of current members, making it easy for your loved ones to benefit from our services too. By choosing Tennessee Valley, you're not just getting access to great financial products; you're joining a family that genuinely cares about your well-being and success. Getting started is a breeze! You can find all the details about eligibility on our website at this link. Once you're ready, opening an account is simple just head over to this page to begin the process. If you have any questions or need assistance along the way, feel free to call us at 4236344900. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,388 in commercial loans for our members, helping businesses scale and succeed. With an outstanding commercial loan portfolio of $254,890,768, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Matter

Beyond loans, our merchant services simplify transactions for your business. Picture this: you're at a bustling market, and a customer wants to make a purchase. With our easy-to-use payment solutions, you can accept payments quickly and efficiently, leaving you more time to focus on what you do best running your business. Visit us at 35 Poplar Springs Rd Ringgold Ga 30736 in Ringgold, GA or call us at (423) 634-4900 to learn how we can support your business needs. Together, let's build a brighter future for your enterprise!

Comprehensive List Of Services

Business Banking Services

For business owners, we offer tailored solutions through our business banking services, which include merchant services and business loans. Whether you're launching a startup or managing an established company, we're dedicated to helping you succeed.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've made banking easier than ever with our online and mobile banking services. With just a few taps on your smartphone or clicks on your computer, you can manage your accounts anytime and anywhere. From checking balances to transferring funds or paying bills online everything is at your fingertips. We also provide access to an ATM for cash withdrawals and basic drive-thru banking services for deposits and simple transactions. It's all about making banking as effortless as possible so that you can focus on what matters most in life.

Personal Banking Solutions

Starting with personal banking, we offer a variety of checking and savings accounts designed to fit any lifestyle. Imagine having a convenient way to manage your money, whether it's through setting aside savings for a vacation or easily accessing funds for daily expenses. Our accounts come with no hidden fees and competitive interest rates, making your money work harder for you. When it comes to financing your next vehicle, our auto loans and vehicle financing options provide flexible terms and competitive rates. Picture yourself driving away in your dream car without the stress of overwhelming payments. Additionally, if you're considering purchasing a home, our mortgage loans and refinancing options can help turn that dream into reality while ensuring you get the best possible rate.

Support for Your Financial Goals

For those needing extra cash or planning to consolidate debt, our personal loans and debt consolidation services are here to support your financial goals. We understand that life can throw unexpected expenses your way, and we're here to help you navigate those challenges. If rewards are what you seek, check out our credit cards with rewards. They not only provide the convenience of everyday spending but also allow you to earn points that can be redeemed for travel, merchandise, or cash back.

Visit Us Today!

Ready to explore how Tennessee Valley can help you achieve your financial goals? Visit us at 35 Poplar Springs Rd, Ringgold, GA 30736, or give us a call at 423-634-4900. Our friendly team is eager to assist you in finding the right products tailored just for you! Don't forget to check out our website at tvfcu.com for more information on all our services!

Digital & Online Banking

Key Features

Need to sign a document quickly? With our electronic signature authorization feature, you can complete transactions without the hassle of printing or mailing paperwork. Plus, e-statements are available to help you keep track of your finances while reducing paper clutter. For those who prefer using their mobile devices, our mobile application offers a host of features, including mobile payments and person-to-person transfers. Imagine sending money to friends or family instantly no more waiting for checks to clear! And with our 24/7 online banking services, you can manage your accounts whenever it suits you. Whether it's early morning or late at night, we're here to provide access to your financial information whenever you need it. At Tennessee Valley, we believe that banking should fit into your life seamlessly. Join us today and take advantage of these fantastic digital services that bring convenience right to your fingertips!

Financial Strength

A Committed Team

We also take pride in having 504 full-time employees and 35 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. This dedication is reflected in our operational efficiency.

Growing Membership Base

Total Share and Deposit Accounts stand at 291,539, showing a strong and growing member base that trusts us with their finances. Our commitment to serving our members remains unwavering. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Tennessee Valley is your trusted partner. Visit us at 35 Poplar Springs Rd Ringgold Ga 30736 or call 423-634-4900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $568,692,690 in share certificates and $238,831,967 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members.

Reinvesting for Growth

With $393,489,388 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This reinvestment strategy ensures that we continue to enhance the services you rely on.

Strong Capital Foundation

With a net worth of $394,993,089, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1421 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports your financial goals across various sectors with $19,913 in used auto loans and $1,964,905,649 in total loans and leases. This extensive range of offerings means we're equipped to assist you whether you're purchasing a vehicle or looking for personal loans.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $355,015,464 in used vehicle loans and $358,697,719 in new vehicle loans already helping members get on the road. We have flexible financing options that cater to both new and used vehicles, ensuring you find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $254,890,768 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to offer solutions tailored to your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $142,171,180, making buying or refinancing simple. We aim to simplify the process with clear terms and competitive rates, so you can focus on what matters most creating your ideal living space.

Refinancing Options

If you're considering refinancing any existing loans or credit lines, we have options available that may save you money or lower your monthly payments. It's worth exploring how refinancing could benefit your financial situation. To learn more about our loan products or if you have any questions regarding eligibility and application processes, please feel free to reach out at 423-634-4900 or visit us at 35 Poplar Springs Rd Ringgold Ga 30736. For further details about membership eligibility and services offered at Tennessee Valley, check out our website at tvfcu.com. 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 partnering with you on your journey toward financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While our total in this category is currently at $0, we strive to provide options that help members manage their finances effectively when they need it most.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 means users can trust that the information they receive is both fair and transparent.