Tennessee Valley Credit Union Chattanooga TN | Low Mortgage Rates & Rewarding Credit Cards

Introduction

Welcome to Tennessee Valley, a trusted financial partner in the heart of Chattanooga, located at 728 Market St, Chattanooga, TN 37402. Established in 1936, we have grown into a robust community resource with a membership of over 167,363 individuals who rely on us for their banking needs. Our commitment to providing exceptional service is reflected in our impressive total assets of $2,779,579,673 and total deposits amounting to $621,723,995. At Tennessee Valley, we understand that financial decisions are personal and important. That's why we offer a range of services designed to meet your unique needs from checking and savings accounts to auto loans and mortgages. With 539 dedicated employees ready to assist you, we pride ourselves on being more than just a credit union; we are your neighbors invested in your success. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 23967, Chattanooga, TN 37402. Our leadership team is committed to upholding the values that define our credit union integrity and community spirit. Under the guidance of CEO Todd Fortner and Board President David Longmire, we strive to enhance the lives of our members through responsible lending practices and solid financial advice. Our focus on community impact is not just about numbers; it's about fostering relationships built on trust. With a net worth of $394,993,089 and cash in hand totaling $38,821,085, we are well-equipped to support our members' financial journeys. Ready to take the next step? Visit us today or give us a call at 423-634-3600. Let Tennessee Valley be your partner in achieving financial wellness!

Branch History & Mission

Tennessee Valley has a rich legacy of serving the community since its inception in 1936. Located at 728 Market St, Chattanooga, TN, this branch has grown alongside its members, adapting to their needs and helping them achieve their financial goals. With a proud history spanning over eight decades, Tennessee Valley now boasts a strong membership base of 167,363 and total assets exceeding $2.77 billion. The mission of Tennessee Valley is simple yet powerful: to provide exceptional financial services while fostering community support. This commitment is evident in every aspect of our operations. We aim to empower our members through personalized banking solutions that include checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our goal is not just to help you manage your finances but to enhance your overall quality of life. While members can visit us at 728 Market St, official correspondence should be sent to PO Box 23967, Chattanooga, TN 37402. Our location is easily accessible and situated near several local landmarks that make it convenient for our community members to stop by. Over the years, Tennessee Valley has embraced technological advancements to ensure our services are modern and user-friendly. We offer online and mobile banking options along with ATM services for easy access to your funds. Although we do not have a drive-thru facility, our lobby hours are designed for your convenience: open from 9:00 a.m. to 5:00 p.m., Monday through Friday. Our impact extends beyond banking; we actively engage in community outreach initiatives that support local organizations and causes. Through partnerships with schools and nonprofits, we strive to make a positive difference in the lives of those around us. We invite you to join Tennessee Valley and experience the benefits of being part of a credit union that truly cares about its members and their well-being. Discover how we can help you reach your financial aspirations while contributing positively to our vibrant community. For more information or to become a member, please visit our website or call us at 423-634-3600 today!

Branch Location & Accessibility

Contact Us Today!

Ready to experience great service? Feel free to give us a call at 423-634-3600 if you have any questions or need assistance before your visit. We look forward to welcoming you at the Tennessee Valley Credit Union's City Center Branch!

Nearby Landmarks and Accessibility

Situated near prominent local landmarks, our branch is just a short walk from popular spots like the Riverfront Park and the Tennessee Aquarium. This central location not only makes it convenient for you to pop in but also allows you to enjoy some of Chattanooga's best attractions nearby. We prioritize accessibility for all our members. The branch features ADA-compliant entrances and ramps, ensuring everyone can visit comfortably. Plus, we have ample parking available nearby, so finding a spot is never a hassle.

Operating Hours and Services

Our lobby hours are designed with your schedule in mind, open Monday through Friday from 9:00 a.m. to 5:00 p.m. We invite you to come by during these hours to explore our range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got everything covered. Although we don't offer drive-thru banking at this location, we do provide ATM services for quick cash withdrawals and balance checks whenever you need them.

Member Eligibility

At Tennessee Valley, we believe that becoming a member is like joining a warm and welcoming community where you can thrive. If you're looking to become part of our family, it's simple! You'll find that eligibility is open to anyone who lives, works, worships, or attends school in Hamilton County. We want to ensure that everyone has the opportunity to benefit from our personalized banking services and financial education. Joining us not only means access to great rates on loans and savings accounts but also a commitment to your financial well-being. To get started, you can check out the detailed eligibility criteria at this link. Once you're ready, opening an account is just a few clicks away at our application page. If you have any questions along the way, feel free to reach out to us at 4236343600. We're here to help you every step of the way!

Business Banking & Commercial Services

Enhancing Everyday Operations

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Picture this: you're busy serving customers while our merchant services handle transactions efficiently. This not only enhances customer satisfaction but also streamlines your operations so you can focus on what matters most growing your business. Located at 728 Market St Chattanooga Tn 37402 in Chattanooga, TN, our team is ready to partner with you on this journey. For more information, give us a call at (423) 634-3600 or visit us online at https://www.tvfcu.com/. Let's work together to achieve your business goals!

Supporting Your 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.

Comprehensive List Of Services

Business Banking Services

For our business members, Tennessee Valley offers comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to support your financial journey.

Digital Banking Convenience

We know that convenience is key in today's busy world. That's why our robust online and mobile banking features allow you to manage your finances anytime, anywhere. With tools for bill payments, account transfers, and checking balances at your fingertips, banking has never been easier. You can also access cash through our ATMs located throughout the area. Need cash in a hurry? Our basic ATM access lets you withdraw funds or check balances quickly without any hassle.

Get Started Today!

If you're ready to explore all that Tennessee Valley has to offer, don't hesitate to reach out! You can visit us at 728 Market St, Chattanooga TN 37402, or give us a call at 423-634-3600 for more information about our services. We invite you to experience personalized banking that puts your needs first. To learn more about becoming a member or opening an account, check out our website at tvfcu.com. Join us today and let us help you achieve your financial goals!

Personal Banking Solutions

Our personal banking services make managing your finances easy and accessible. We offer various checking and savings accounts that fit different lifestyles and goals. For those planning to buy a car, our auto loans and vehicle financing options can help get you behind the wheel with competitive rates. If you're considering purchasing a home, our mortgage loans and refinancing solutions are designed to make the process smooth and straightforward. Additionally, we understand that life can throw unexpected challenges your way. That's why we provide personal loans and debt consolidation services, helping you manage expenses without stress. Plus, with our credit cards featuring rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

We've made accessing your financial information simple and secure. Our electronic signature authorization lets you sign documents electronically, saving you time while keeping your transactions safe. Plus, if you prefer going paperless, our e-statements are available for easy access and management. For those who love to pay on the go, our mobile payments feature allows you to make purchases directly from your phone. Whether you're grabbing coffee or shopping for groceries, paying is quick and hassle-free. And speaking of mobile, our dedicated mobile application makes it even easier to manage your accounts right from your pocket. Need to send money to a friend? Our person-to-person transfer option makes sharing expenses straightforward. It's perfect for splitting bills or sending gifts without the fuss of cash. With all these features designed for ease-of-use and security, managing your finances has never been simpler. Join us at Tennessee Valley today and experience the freedom of digital banking! Visit us at https://www.tvfcu.com/ to learn more about how we can help you manage your money effortlessly.

Financial Strength

At Tennessee Valley, 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 and peace of mind in your financial journey. 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. 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. 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 a total of $1,964,905,649 in loans and leases. While our current net income is $0, it reflects our operational efficiency as we 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. Our commitment to serving you effectively is evident as we manage net shares available for lending at $6,760,717. With a total of 291,539 share accounts, we show 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, Tennessee Valley is your trusted partner. Visit us at 728 Market St Chattanooga TN 37402 or call 423-634-3600 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 $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 purchasing a brand-new vehicle or a reliable used one, our team can assist you every step of the way.

Business 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 looking to strengthen an existing one, our team is here to support you. Whether you need an auto loan, mortgage financing, or a business loan, Tennessee Valley is dedicated to meeting your financial needs with personalized service and support. You can reach us at 423-634-3600 for more information on how we can assist you today. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $142,171,180, tailored to meet your specific needs. If you're looking to refinance your current mortgage, we have eligibility options available that can help lower your payments and make homeownership more affordable.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, currently totaling $0 in loans assisting members manage their finances effectively. Our credit cards come with rewards programs that enhance your spending power while keeping your budget in check.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate the lending landscape with confidence. 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 fair and transparent offers for all users. By relying on verified information, LendMesh provides accurate loan comparisons that you can trust. One of the key benefits of using LendMesh is Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. Additionally, No Sponsored Listings means that LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best options available to you. With Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions, empowering them to make informed decisions about their borrowing 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!" 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.*