Tennessee Valley Credit Union Athens TN | Best Auto Loans & Personal Banking

Introduction

Welcome to Tennessee Valley, your trusted financial partner located at 1314 Decatur Pike, Athens, TN 37303. Since our establishment in 1936, we have dedicated ourselves to serving the financial needs of our community, currently supporting over 167,000 members. With a robust asset base of $2,779,579,673 and total deposits reaching $621,723,995, we are committed to providing you with secure and reliable banking solutions. At Tennessee Valley, we understand that every member's financial journey is unique. That's why we offer a range of services tailored to meet your individual needs whether you're looking for personal banking options like checking accounts and auto loans or business banking solutions. Our experienced team, led by CEO Todd Fortner and Board President David Longmire, is here to guide you through every step of your financial decisions. While members can visit us at our Athens branch for all their banking needs, official correspondence should be sent to the same address: 1314 Decatur Pike, Athens, TN 37303. Our friendly staff is available to assist you during lobby hours from 9:00 a.m. to 5:00 p.m. Monday through Thursday, extending until 6:00 p.m. on Fridays, and our drive-thru operates from 7:00 a.m. to 7:00 p.m., Monday through Saturday. We pride ourselves on being more than just a credit union; we are part of this community. With total loans exceeding 61,412 and net worth standing at $394,993,089, we work tirelessly to ensure that our members not only achieve their financial goals but also contribute positively to the local economy. We invite you to explore our services further by visiting our website at tvfcu.com or calling us at 423-634-8300 for any inquiries. Join us today and experience the difference that a member-focused credit union can make in your life!

Branch History & Mission

At Tennessee Valley, we are proud to have a rich legacy that dates back to our founding in 1936. Our Athens Branch, located at 1314 Decatur Pike, Athens, TN 37303, has been serving the community with dedication and passion for decades. As we look back on our journey, we see a story of growth, resilience, and unwavering commitment to our members and the neighborhoods we serve. From our humble beginnings, we have evolved into a trusted financial partner for over 167,000 members. With total assets of approximately $2.78 billion, we have made significant strides in providing comprehensive financial services that cater to the diverse needs of our community. Our mission is simple yet profound: to empower our members by offering high-quality financial solutions while fostering a sense of belonging and support. As part of our mission, we strive not only to provide excellent banking services but also to make a positive impact in Athens and beyond. Our commitment extends beyond traditional banking; we actively engage in community outreach initiatives, partnering with local organizations to support education, health, and economic development programs. While members can visit us at our branch address for their banking needs, official correspondence should be sent to the same location: 1314 Decatur Pike, Athens, TN 37303. We invite you to experience the warmth and personalized service that sets us apart from other financial institutions. Our operating hours are designed with your convenience in mind. The lobby is open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and Friday until 6:00 p.m. For those who prefer drive-thru banking, we're here for you Monday through Saturday from 7:00 a.m. to 7:00 p.m., ensuring you can access your funds easily and efficiently. We also embrace technology as a means of enhancing your experience. With features like online banking and mobile payments available at your fingertips, managing your finances has never been easier or more convenient. Join us at Tennessee Valley and become part of a community-focused credit union dedicated to your financial well-being. Explore the range of services we offer from personal loans and auto financing to business banking solutions designed with you in mind. Together, let's build a brighter future for ourselves and our communities. If you're interested in becoming a member or learning more about what we offer, please reach out at (423) 634-8300 or visit us online at Tennessee Valley.

Branch Location & Accessibility

Convenient Access and Features

We pride ourselves on our welcoming environment and accessibility for all members. The branch is equipped with ADA-compliant features, including ramps for easy entry. Plus, there's ample parking available so you can visit us without any hassle. If you prefer banking on-the-go, we offer a drive-thru service for quick deposits and withdrawals.

Operating Hours

Our lobby hours are designed to fit your busy schedule, open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m. For those who need to bank on weekends, our drive-thru service is available from 7:00 a.m. to 7:00 p.m., Monday through Saturday.

Services Offered

At Tennessee Valley, we offer a wide range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgages. Need cash? Our ATM is conveniently located on-site for easy access to funds anytime. While members can visit us at our physical location on Decatur Pike, official correspondence should be sent to the same address as we ensure all communications are handled promptly. We invite you to stop by or give us a call at 423-634-8300. Our team looks forward to assisting you with your financial needs!

Member Eligibility

Joining the Tennessee Valley family means stepping into a community that truly cares about its members. At our branch located at 1314 Decatur Pike, Athens, TN 37303, we welcome individuals who live, work, or worship in the areas we serve. If you have a family member who is already a member, you're also eligible to join! Becoming part of Tennessee Valley not only opens doors to fantastic financial services but also connects you with a supportive network of fellow members. You can find detailed eligibility criteria on our website at this link. Getting started is simple! To open an account and become a member, just visit our online application page here or give us a call at 423-634-8300 for any questions you may have. We're excited to help you take this step toward better banking!

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 securing that perfect loan to expand your storefront or invest in new equipment. It's not just a transaction; it's a step toward achieving your dreams.

Merchant Services

In addition to loans, we offer robust merchant services designed to simplify daily transactions. Whether you're processing payments at your brick-and-mortar store or online, our solutions make it easy for you to manage sales and improve customer experiences. Let us help you take your business to the next level. Visit us at 1314 Decatur Pike Athens Tn 37303 or call us at (423) 634-8300 to explore how our services can fit your needs!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? We have convenient ATM services available for quick withdrawals and balance checks. If you prefer in-person transactions but are short on time, our drive-thru banking allows for easy deposits and withdrawals without leaving your vehicle. With all these comprehensive services at Tennessee Valley, we strive to be more than just a credit union; we aim to be a partner in achieving your financial dreams. Visit us today or call us at 423-634-8300 to learn how we can assist you further!

Business Banking Support

At Tennessee Valley, we also recognize the unique needs of local businesses. Our business banking services include merchant services and business loans designed to support your growth and success. Whether you're just starting out or looking to expand, we're here to provide the financial backing you need.

Digital Banking Convenience

In today's fast-paced world, having access to online and mobile banking is essential. Our digital banking features allow you to manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills, everything is just a few taps away on your mobile device.

Flexible Loan Options

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation solutions to give you peace of mind when you need it most. With competitive rates and manageable terms, you can tackle those financial hurdles head-on.

Home Financing Made Easy

Thinking about buying a home? We understand how important it is to find the right mortgage loan that fits your budget. Tennessee Valley provides mortgage loans and refinancing options tailored to meet your financial goals. Our knowledgeable staff will guide you through the process, making it as straightforward as possible.

Personal Banking Solutions

Managing your money should be easy and accessible. At Tennessee Valley, we offer various personal banking options that make everyday banking seamless. Our checking and savings accounts are designed with your lifestyle in mind, ensuring you have the flexibility and convenience you need for daily transactions. Plus, if you're considering a new car, our auto loans and vehicle financing can help you get behind the wheel without breaking the bank.

Rewarding Credit Card Choices

For those who enjoy rewards while spending, our credit cards come with exciting benefits. You can earn rewards on your purchases while enjoying the flexibility that comes with having a reliable credit card.

Digital & Online Banking

Anytime Access

With our online banking services at Tennessee Valley, managing your finances is not only straightforward but also flexible. Whether you need to check an account balance late at night or send money during lunch hour, you have all the resources you need right at your fingertips. Explore how easy banking can be with us! Visit https://www.tvfcu.com/ today and take control of your financial journey with confidence and ease.

Explore Our Online Banking Services

With just a few clicks, you can access your accounts anytime through our online banking platform at https://www.tvfcu.com/. This service provides you with 24/7 access to manage your finances from the comfort of your home or wherever you may be. You can view balances, pay bills, and transfer funds quickly and easily. Plus, for those who prefer paperless options, we offer e-statements that give you a clear view of your transactions while keeping everything organized.

Security You Can Trust

Your security is our top priority. We utilize electronic signature authorization for secure transactions, ensuring that your information remains safe as you navigate through your financial activities. You can rest easy knowing that our online services are built with cutting-edge security measures to protect your data.

User-Friendly Mobile Application

Need to handle your banking on the go? Our mobile application is available for download, making it easier than ever to manage your accounts directly from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases has never been more convenient.

Financial Strength

Commitment to Operational Efficiency

Our operational efficiency is reflected in our current status with $0 net income, allowing 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 and committed team.

Growing Member Base

Total Share Accounts stand at an impressive 291,539, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments total $6,760,717, further demonstrating our commitment to supporting our community. 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 1314 Decatur Pike Athens Tn 37303 or call 423-634-8300 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Reinvestment for Better Services

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 your financial goals across various sectors with $19,913 in used auto loans and a total of $1,964,905,649 in loans and leases.

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 14.21% 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

Additional Services

In addition to these loan products, Tennessee Valley offers various financial services including personal banking accounts and online banking features. You can take advantage of our convenient mobile application for easy access to your accounts anywhere. If you're considering refinancing or want to learn more about eligibility options for our loan products, don't hesitate to reach out. You can call us at 423-634-8300 for more information. 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 today at our Athens branch or explore more about our offerings at tvfcu.com. We're here to support you on your journey toward achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've provided over $355,015,464 in used vehicle loans and $358,697,719 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team can guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $254,890,768 provide the capital needed to grow and expand your operations. We understand the challenges businesses face and are dedicated to offering solutions tailored to your unique circumstances.

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're committed to helping you secure a mortgage that fits your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although our current total for these loans is $0, we provide an array of resources to help you manage your finances effectively through other services we offer.

Loan Aggregator

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 users receive fair and transparent offers. By working only with verified lenders, LendMesh guarantees that the loan options presented are both legitimate and competitive.

Benefits of Using LendMesh

- Verified Data: All loan offers come from recognized financial institutions, ensuring complete transparency in the comparison process. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results, allowing users to choose loans based purely on their merits. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions. This feature helps them make informed decisions quickly and effectively. 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 of this tool in helping individuals secure better financing options. To explore your options and compare real-time loan offers today, visit 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.