Tennessee Valley Credit Union Ringgold GA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Tennessee Valley at 150 Highway 41, Ringgold, GA 30736! Since our establishment in 1936, we have been dedicated to serving our community with trust and reliability. With over 167,000 members, we take pride in providing personalized financial solutions that meet the diverse needs of our community. At Tennessee Valley, we believe that strong financial health is vital for both individuals and businesses. Our total assets amount to an impressive $2,779,579,673, reflecting our commitment to ensuring the best for our members. We offer a range of services, including auto loans, mortgages, and personal banking solutions helping you achieve your financial goals effortlessly. Our leadership team is here to guide you every step of the way. Under the direction of CEO Todd Fortner and Board President David Longmire, we have built a culture that values member service above all else. We understand that banking can be daunting, which is why we strive to create a friendly environment where your concerns are heard and addressed. For those looking to conduct official correspondence, please note that while you can visit us at our branch location, all mailing should be directed to PO Box 23967, Chattanooga, TN 37422. With total deposits exceeding $621,723,995 and a net worth of $394,993,089, we are equipped to support your financial journey with confidence. Whether you're interested in securing a loan or simply need assistance managing your accounts, we're just a phone call away at 423-634-3600. We invite you to explore our website at tvfcu.com for more information about our offerings. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to the Tennessee Valley branch, proudly serving the community of Ringgold, Georgia since 1936. With a rich history spanning over eight decades, our branch has evolved into a trusted financial institution dedicated to meeting the needs of our members. Located at 150 Highway 41, we are easily accessible for all your banking needs, whether you're visiting us in person or using our convenient ATM services. Our mission at Tennessee Valley is simple yet powerful: to empower our members with personalized financial solutions while actively supporting our community. We believe that when our members thrive, so does the community around us. With a current membership exceeding 167,363, we take pride in fostering strong relationships and providing exceptional service tailored to individual needs. Over the years, Tennessee Valley has grown significantly. Today, we boast total assets of over $2.77 billion. Our commitment to innovation and accessibility is evident in our digital banking options, including online and mobile banking services that allow you to manage your finances anytime, anywhere. We also prioritize ADA compliance to ensure everyone can access our services comfortably. While members can visit us at 150 Highway 41, official correspondence should be sent to PO Box 23967, Chattanooga, TN 37422. Our operating hours are Monday through Friday from 10:00 a.m. to 7:00 p.m., with personal tellers available in the branch lobby using ITMs from 7:00 a.m. onwards. At Tennessee Valley, we are more than just a credit union; we are an active part of the Ringgold community. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact on the lives of those we serve. Join us today and experience the benefits of being part of the Tennessee Valley family. Whether you're looking for checking accounts, auto loans, mortgages, or business banking solutions, we're here to support you every step of the way. Together, let's build a brighter future for you and our community! If you have any questions or need assistance, don't hesitate to call us at 423-634-3600 or visit our website at Tennessee Valley.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. We have ample parking available for all our members, ensuring your visit is hassle-free. The building is ADA compliant, featuring ramps and other accessibility features so everyone can enjoy our services comfortably. While members can visit us at 150 Highway 41, official correspondence should be sent to PO Box 23967 in Chattanooga, TN, if needed.

Services Tailored for You

At Tennessee Valley, we offer a wide range of services designed to fit your lifestyle. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, our ATM is readily available for quick cash withdrawals and balance checks. While we don't have drive-thru service at this location, our friendly team is always ready to assist you inside the branch or over the phone at 423-634-3600.

Visit Us Today!

We invite you to stop by the Tennessee Valley branch today! Experience firsthand how we put our members first and make banking easier for you. Whether you have questions about our services or need assistance with your account, we're here for you every step of the way!

Welcoming Hours

We understand that your time is valuable. That's why our lobby is open from 10:00 a.m. to 7:00 p.m., Monday through Friday. Personal tellers are available during these hours using Interactive Teller Machines (ITMs) for your convenience. On Saturdays, we're open from 7:00 a.m. until 1:00 p.m., making it easier for you to manage your banking around your busy schedule.

Member Eligibility

Joining the Tennessee Valley is like stepping into a welcoming community where your financial well-being is our priority. If you're interested in becoming a member, you'll be glad to know that eligibility is quite straightforward! Individuals who live, work, or worship in Catoosa County and surrounding areas are invited to join us. This inclusive approach ensures that more people can benefit from our personalized banking services. You can explore the specific eligibility criteria in detail at this link. Becoming a member at Tennessee Valley not only opens the door to various financial products but also connects you to a network of support and resources designed for your success. Once you're ready to take the next step, opening an account is easy. You can start the application process online by visiting this page. If you have any questions or need assistance, don't hesitate to call us at 4236343600. We look forward to welcoming you to our family at 150 Highway 41, Ringgold, GA 30736!

Business Banking & Commercial Services

Business Loan Options

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. Imagine a local café dreaming of expanding its seating area or a contractor needing new equipment to take on larger projects. Our loans provide the financial backing they need to turn these dreams into reality.

Merchant Services

In addition to loans, we also offer merchant services that make transactions easy and efficient. Picture this: a small retail shop seamlessly processing payments at checkout while keeping track of sales data in real-time. With our merchant services, businesses can accept various payment methods, ensuring convenience for their customers. Located conveniently at 150 Highway 41 Ringgold Ga 30736, Ringgold, GA, our team is here to guide you through your options and help your business thrive. For more information, call us at (423) 634-3600 or visit us online at https://www.tvfcu.com/. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Business Banking Solutions

For our members who own businesses, we understand the unique challenges you face. That's why we offer comprehensive business banking services, including merchant services and business loans tailored to help your venture thrive.

Community Focused

At Tennessee Valley, we believe in community involvement and support. We strive to provide not just financial products but also resources that empower our members. Our team is committed to assisting you every step of the way. As part of our dedication to service excellence, we encourage you to visit us during lobby hours from Monday through Friday between 10:00 a.m. and 7:00 p.m., or use our ITMs from 7:00 a.m. to 7:00 p.m. on weekdays and until 1:00 p.m. on Saturdays. Ready to take the next step? Explore more about how we can assist you by visiting our website or give us a call at 423-634-3600 today!

Digital Banking Convenience

We know convenience is key for our members. Our robust online and mobile banking features allow you to check balances, transfer funds, and pay bills from anywhere at any time. Additionally, with access to ATMs for cash withdrawals and balance checks, managing your money has never been easier.

Loans Made Easy

Managing debt can be challenging, but we're here to help with personal loans and debt consolidation options that simplify your finances. Plus, if you're interested in building credit while enjoying rewards, our credit cards with rewards can add value to your everyday purchases.

Personal Banking

In today's busy world, having a reliable banking partner is essential. Our personal banking services include checking and savings accounts designed to help you manage your daily finances efficiently. Need a new vehicle? We offer competitive auto loans and vehicle financing options that make it easier for you to drive home in your dream car. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans come with flexible terms and competitive rates.

Digital & Online Banking

Key Services

With our online banking platform, you can access your accounts 24/7 from any device. This means checking your balance, transferring funds, and paying bills is just a few clicks away. Plus, with features like e-statements, you can view your financial statements securely online instead of waiting for paper copies. You also have the option to use electronic signature authorization, making it quicker and easier to complete transactions without the hassle of printing and mailing documents. For those who enjoy mobile convenience, our mobile application allows you to manage your account right from your smartphone. You can even take advantage of mobile payments, enabling you to pay for goods and services directly from your phone. And if you need to send money to friends or family, our person-to-person transfers feature makes it easy and fast.

Safety and Accessibility

We prioritize security in all our digital services. Your information is protected with advanced security measures so you can bank with confidence. Our user-friendly interface means that whether you're tech-savvy or not, you'll find navigating your accounts straightforward and intuitive. At Tennessee Valley, we believe that everyone deserves easy access to their finances. That's why our online banking services are designed for real-time account management, helping you stay on top of your finances without any stress. Visit us today at https://www.tvfcu.com/ to learn more about how our digital banking solutions can work for you!

Financial Strength

A Growing Membership Base

Total Share Accounts: 291,539, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $6,760,717. 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 150 Highway 41 Ringgold Ga 30736 or call (423) 634-3600 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 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 504 full-time employees and 35 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $393,489,388 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 members' financial goals across various sectors with $19,913 in used auto loans and $1,964,905,649 in total loans and leases.

Secured 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. 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 $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 $1,421 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 $355,015,464 in used vehicle loans and $358,697,719 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to fit your budget and preferences. Plus, if you're considering refinancing your current auto loan, we have options available to help lower your payments.

Commercial Loans

For business owners, our outstanding commercial loans totaling $254,890,768 provide the capital needed to grow and expand. Whether you're starting a new venture or enhancing an existing one, our team is here to help navigate your borrowing options. Our loan offerings are designed with you in mind. We encourage you to explore our eligibility criteria and apply online at Tennessee Valley. For questions or personalized assistance, feel free to reach us at 423-634-3600 or visit us at our branch located at 150 Highway 41 Ringgold GA 30736. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

In need of additional flexibility? We offer total credit lines of $374,691,369, allowing you to manage expenses as they arise. We also have unsecured credit card loans available for those who prefer not to tie their credit to collateral; currently totaling $0, these loans can assist members in budgeting and managing day-to-day expenses effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $142,171,180, make buying or refinancing simple. Our team is ready to guide you through the process, ensuring you find a solution that works for you.

Loan Aggregator

Benefits of Using LendMesh

LendMesh stands out as a reliable tool for those looking to compare loan rates: - Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency and trustworthiness. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that help you make the best decision. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can confidently navigate their options and find the right fit for their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and beneficial the platform can be. 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.

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. By using only verified data, LendMesh guarantees that users receive genuine loan options without hidden fees or misleading terms.