Tennessee Valley Credit Union Chattanooga TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Tennessee Valley, your trusted financial partner in Chattanooga, TN. Established in 1936, we have proudly served our community for over 85 years, helping 167,363 members achieve their financial goals. Located at 125 W 20th St, our Southside Branch offers a welcoming environment where you can find solutions tailored to your unique needs. At Tennessee Valley, we understand that every member's journey is different. With total assets of over $2.77 billion and deposits reaching $621,723,995, we are equipped to support you with a range of services including personal banking, auto loans, mortgages, and business financing options. Our commitment to excellence is reflected in our robust net worth of $394,993,089 and a cash reserve of $38,821,085, ensuring that your money is safe with us. While members can visit us at the branch for their banking needs, official correspondence should be sent to our mailing address: PO Box 23967, Chattanooga, TN 37422. We pride ourselves on being accessible; feel free to reach out at 423-634-3600 or explore our website at tvfcu.com for more information. Led by CEO Todd Fortner and Board President David Longmire, our dedicated team of 539 employees is here to provide personalized service with a smile. Together, we strive to create lasting relationships based on trust and support within the community. Join us today and discover how Tennessee Valley can help you navigate your financial journey with confidence! Whether you're looking to open an account or apply for a loan, we're here for you every step of the way.

Branch History & Mission

Our Mission

The heart of Tennessee Valley lies in our mission: to enhance the financial well-being of our members while fostering community growth. We believe that everyone deserves access to quality financial products and educational resources. Our team is dedicated not only to helping you manage your finances but also to supporting initiatives that strengthen our community. We aim to create lasting relationships by providing personalized service and support. Whether you're looking for an auto loan or opening a savings account, you can trust us to guide you every step of the way. We also actively engage in community outreach programs, partnering with local organizations to make a positive impact on those around us. While members can visit us at 125 W 20th St, official correspondence should be sent to PO Box 23967, Chattanooga, TN 37422. We invite everyone in the area to come experience what makes Tennessee Valley special. Our branch operates Monday through Saturday with lobby hours from 9:00 a.m. - 5:00 p.m. on weekdays and extended drive-thru hours from 7:00 a.m. - 7:00 p.m. daily. With ATM availability and drive-thru banking options, we make it easy for you to manage your finances conveniently. Join us at Tennessee Valley and become part of a credit union that values its members and community above all else! Whether you're new to banking or looking for better options, we are here for you every step of the way. Reach out today at 423-634-3600 or visit us online at Tennessee Valley to learn more about how you can benefit from membership!

Branch Location & Accessibility

Accessibility and Parking

At Tennessee Valley Credit Union, we prioritize making your visit as smooth as possible. Our branch features ADA-compliant access points and ramps, ensuring that everyone can easily reach us. Parking is plentiful, allowing you to park without worry while you take care of your banking needs.

Operating Hours

We are open Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m., providing flexibility for your busy schedule. If you need assistance outside these hours, our drive-thru service is available Monday through Saturday from 7:00 a.m. to 7:00 p.m., ensuring that you have access when you need it most.

Services Offered

Our branch offers a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. You can also enjoy the convenience of ATM services right on-site for quick cash withdrawals or balance checks. Plus, with our drive-thru banking option, simple transactions like deposits and withdrawals are just a breeze. If you're looking for exceptional service in a friendly environment, we invite you to visit us at Tennessee Valley Credit Union or give us a call at 423-634-3600. Our dedicated team is excited to help you achieve your financial goals!

Member Eligibility

At Tennessee Valley, we believe that everyone deserves a chance to be part of a community that cares. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Hamilton County area, you're already eligible to join us. We also extend membership to your family members, making it easy for you all to enjoy the benefits together. As a member of Tennessee Valley, you'll gain access to a variety of financial services tailored just for you, from checking and savings accounts to loans and credit cards. If you're ready to take the next step toward membership, you can find more detailed eligibility information at https://www.tvfcu.com/about-us/become-a-member.html. When you're ready to open your account, just visit us at our branch located at 125 W 20Th St Chattanooga Tn 37408 or give us a call at (423) 634-3600. Joining Tennessee Valley means becoming part of a supportive network that prioritizes your financial well-being let's start this journey together!

Business Banking & Commercial Services

Commercial Loans that Fuel 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.

Practical Merchant Services

In addition to loans, we offer merchant services that streamline payment processing for your business. Imagine a busy café using our services to accept payments quickly and securely, allowing them to focus on serving their customers rather than worrying about transactions. Our solutions not only simplify the payment process but also provide insights into sales trends, helping you make informed decisions. Visit us at 125 W 20Th St Chattanooga Tn 37408 or call us at (423) 634-3600 to discover how our business banking and commercial services can help your enterprise flourish.

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need cash on the go? Our network of ATMs ensures easy access for withdrawals and balance checks without any hassle. If you'd prefer face-to-face service, our Basic Drive-Thru Banking allows for quick deposits and simple transactions without leaving your vehicle. At Tennessee Valley in Chattanooga, TN (125 W 20Th St), we're here not just as your bank but as your financial partner dedicated to meeting all your needs. For more information about our services or assistance with opening an account, please give us a call at 423-634-3600, or visit us online at www.tvfcu.com. Your financial journey begins here!

Auto Loans and Vehicle Financing

If you're dreaming of hitting the road in a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates tailored to fit your budget. Whether it's a brand-new car or a used truck, we make the application process straightforward so you can get behind the wheel sooner.

Business Banking Support

For our local entrepreneurs, we know how important it is to have reliable banking support. Our Business Banking services include everything from Merchant Services to Business Loans, ensuring that your business has the resources it needs to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why at Tennessee Valley, we provide robust Online & Mobile Banking features. With these tools, accessing your accounts is easy and secure from anywhere whether it's checking balances, making transfers, or paying bills right from your phone.

Home Financing Options

When it comes to purchasing a home, our Mortgage Loans & Refinancing services are here to guide you through every step. We understand that buying a house is a significant milestone, and we're dedicated to finding solutions that work for you, whether you're a first-time buyer or looking to refinance an existing mortgage.

Personal Banking Solutions

For those just starting out or looking to enhance their savings, our Personal Banking services are designed with your needs in mind. We offer a variety of Checking & Savings Accounts to help you manage your funds effectively. Imagine having the flexibility to access your money when you need it and earn interest while saving for future goals.

Personal Loans and Credit Solutions

Life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you manage those costs without added stress. Plus, our Credit Cards with Rewards give you the opportunity to earn while you spend perfect for everyday purchases or special occasions.

Digital & Online Banking

At Tennessee Valley, we understand that convenience and security are key when it comes to managing your finances. That's why we've developed a range of digital and online banking services designed to fit your busy lifestyle. With just a few clicks, you can access your accounts anytime, anywhere, ensuring you're always in control of your money. One of the standout features is our robust online banking platform available at https://www.tvfcu.com/. Here, you can check balances, pay bills, and transfer funds all from the comfort of your home or on the go. Plus, our mobile application takes this convenience to the next level. Whether you're waiting in line or relaxing at home, you can manage your account right from your smartphone. Security is a top priority for us. We offer electronic signature authorization, allowing you to sign documents digitally with confidence. You can also opt for e-statements to keep your financial information organized and secure without the clutter of paper statements. Need to make quick payments? Our mobile payments feature lets you send money effortlessly through your phone. If you're looking to share expenses with friends or family, our person-to-person transfer option makes it easy to send cash quickly and safely. With 24/7 online banking services, you never have to worry about banking hours again. Whether it's early morning or late at night, you have full access to all your banking needs. Our goal is to provide a user-friendly experience that keeps you connected to your finances while ensuring everything stays safe and sound. In short, at Tennessee Valley, we're committed to making banking as easy as possible for you because managing your money should be straightforward and hassle-free!

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 understand that you want to be part of a credit union that stands strong, even in challenging times. That's why we are proud to share our financial strength with you. 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 your financial goals with $19,913 in used auto loans and a total of $1,964,905,649 in loans and leases across various sectors. Our operational efficiency is reflected in our net income of $0, which allows 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. Total share accounts stand at 291,539, showing 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 125 W 20Th St Chattanooga TN 37408 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 looking for a brand-new model or a reliable used vehicle, our flexible terms can accommodate your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $254,890,768 provide the capital needed to grow and expand. We know how crucial it is for businesses to have access to funds at different stages of growth. Our dedicated team is ready to work with you to understand your needs and find the right financing solution.

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. We are here to guide you through each step of the mortgage process and ensure you find the best solution for your situation.

Refinancing Options

If you're looking for ways to save on your existing loans or need assistance in improving your financial situation, our refinancing options might be just what you need. We encourage all our members to explore these opportunities. Our branch is located at 125 W 20Th St Chattanooga TN 37408, and we're just a phone call away at 423-634-3600. Our team is eager to assist you with any questions or concerns regarding our loan offerings. For more information about eligibility and account opening procedures, please visit our website or check out our eligibility page. 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're here to support you every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently there are no unsecured credit card loans issued, our team is ready to assist you in finding options that will help you manage your finances effectively when the time comes.

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. 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 method guarantees fair and transparent offers for users seeking loans. One of the standout features of LendMesh is its commitment to transparency through verified data. Loan offers are sourced only from legitimate financial institutions, which means users can trust the information they receive. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. This allows for truly unbiased results when comparing loan options. Users benefit from real-time rate comparisons, enabling them to access up-to-date loan rates from multiple institutions. This timely information helps users make informed decisions about their borrowing needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied 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.*