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

Introduction

Welcome to Tennessee Valley, your trusted financial partner located at 3636 Ringgold Rd, Chattanooga, TN 37412. Since our establishment in 1936, we have been committed to serving the community with integrity and dedication. With over 167,000 members and total assets of $2,779,579,673, we pride ourselves on being a cornerstone of financial support for families and businesses alike. At Tennessee Valley, we understand that financial needs vary from person to person. That's why we offer a wide range of services tailored to meet your needs be it personal banking, auto loans, mortgages, or business loans. Our experienced team is here to help you navigate your financial journey with confidence. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address: PO Box 23967, Chattanooga, TN 37422-3967. Under the leadership of CEO Todd Fortner and Board President David Longmire, our team of 539 dedicated employees works tirelessly to ensure that you receive top-notch service. With total deposits amounting to $621,723,995 and cash reserves of $38,821,085, we are well-equipped to provide the resources you need. We invite you to explore what sets us apart. Whether you're looking for competitive loan rates or convenient online banking solutions, you'll find it all right here at Tennessee Valley. Don't hesitate call us today at 423-634-3600 or visit our website at tvfcu.com to discover how we can help you achieve your financial goals!

Branch History & Mission

Community Focus

Our community-oriented approach is deeply rooted in everything we do. We engage in various outreach programs aimed at supporting local initiatives and improving the lives of those around us. By partnering with other organizations and participating in events throughout the year, we aim to create lasting relationships within our community. As we continue to grow and adapt to the changing landscape of financial services, our commitment remains steadfast: providing exceptional service while remaining true to our core values of integrity and community support. We invite you to experience the benefits of joining Tennessee Valley. Whether you're looking for a new account or need assistance with a loan or investment strategy, our team is here for you every step of the way. Visit us today at 3636 Ringgold Rd Chattanooga Tn 37412 or give us a call at (423) 634-3600! Join us on this journey as we build a brighter financial future together.

Our Mission

At Tennessee Valley, our mission goes beyond just banking. We strive to empower our members by offering personalized financial solutions that promote growth and stability. We believe in making a positive impact on our community through various outreach initiatives and partnerships. Our services include personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. We are dedicated to ensuring that all our members have access to modern banking facilities. With features like online banking, mobile payments, and ATM services available at our branch, we focus on convenience and accessibility for everyone. While we do not offer drive-thru service at this location, we are proud to provide ITM hours from Monday to Saturday for enhanced service with personal tellers.

Branch Location & Accessibility

Convenient Access

Accessibility is important to us. Our branch is designed to be welcoming for everyone, featuring ADA-compliant ramps and parking spots. We have ample parking available, so you can visit us without the hassle of searching for a spot. If you prefer to handle banking from the comfort of your vehicle, we offer ATM access right on-site, though please note we do not have drive-thru service. While members can visit us at this location for all their banking needs, official correspondence should be sent to our mailing address at PO Box 23967, Chattanooga, TN 37422-3967.

Operating Hours

Our lobby hours are open Monday through Friday from 10:00 a.m. to 7:00 p.m., making it convenient for you to stop by after work or on your lunch break. For those who need a little extra time in the morning or want to visit on Saturdays, our TVFCU LIVE personal tellers (ITM) are available from 7:00 a.m. to 7:00 p.m., Monday through Saturday.

Services Tailored for You

At Tennessee Valley, we provide a comprehensive range of services including personal banking options such as checking and savings accounts, auto loans, mortgage loans and refinancing, personal loans, and credit cards with rewards. Business owners will also find valuable resources like merchant services and business loans. Plus, with online and mobile banking capabilities, managing your finances has never been easier. We invite you to come see how we can help you achieve your financial goals. Whether you're stopping by for advice or looking to open an account, our team is eager to assist you. Feel free to call us at 423-634-3600 if you have any questions before your visit. We look forward to seeing you soon!

Member Eligibility

At Tennessee Valley, we believe that everyone deserves a chance to be part of a caring community focused on your financial well-being. If you're looking to join us, you'll find that becoming a member is both simple and inclusive! Generally, eligibility extends to anyone who lives, works, worships, or attends school in the communities we serve. This means if you call Chattanooga home or are connected in any way to our vibrant area, you may already qualify! We invite you to explore all the benefits of membership, from personalized service to a wide range of financial products designed just for you. For more specific details about what it takes to become a member, feel free to check out our comprehensive eligibility guidelines at https://www.tvfcu.com/about-us/become-a-member.html. When you're ready to open an account and start your journey with us, visit https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadz3cfy1jv8z3poficvjx10c6fgqnm98gmbxcv6dxtxc5c_lqjrlkpglzqqys9p4now or give us a call at (423) 634-3600. Our friendly team is here to help every step of the way! You can find us at 3636 Ringgold Rd Chattanooga Tn 37412, where we look forward to welcoming you into the Tennessee Valley family.

Business Banking & Commercial Services

Merchant Services Tailored for You

In addition to loans, we offer merchant services that make everyday transactions smoother. Picture this: you're at a bustling trade show, and a potential customer wants to buy your product on the spot. With our merchant services, you can accept payments easily and securely, ensuring you don't miss out on any sales opportunities. Located at 3636 Ringgold Rd Chattanooga Tn 37412 in Chattanooga, TN, we're here to 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 unlock your business's potential!

Supporting Your Business 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

Call Us Today!

At Tennessee Valley, we're here for you every step of the way. If you want to learn more about any of our services or need assistance choosing the right option for you, don't hesitate to reach out! Give us a call at 423-634-3600, and let us help you navigate your financial journey with confidence. Visit us online at tvfcu.com for more information!

Credit Cards & Business Banking

For those who enjoy rewards while spending, we offer credit cards with rewards that fit different lifestyles. Earn points for every purchase you make and redeem them for exciting rewards! If you're running a business or planning to start one, our business banking services, including merchant services and business loans, are designed to support entrepreneurs like you. We know how important it is to have reliable financial backing when growing your business.

Digital Banking & Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. With our digital banking tools, you can manage your accounts from anywhere whether checking balances, transferring funds, or paying bills right from your smartphone. Additionally, our ATM services allow you to withdraw cash or check your balance with ease. Whether you're out shopping or enjoying a weekend getaway, having access to your money is just a few taps away.

Personal Banking

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer checking and savings accounts designed for your lifestyle. Whether you're saving for a special purchase or managing daily expenses, our accounts come with features that make banking easy and accessible. Need a new car? Our auto loans and vehicle financing options can get you behind the wheel without the hassle. Imagine driving off in your dream car with a loan that fits your budget! Plus, if you're looking to buy a home, our mortgage loans and refinancing services are here to guide you through every step of the process, ensuring you find the right mortgage solution. If life throws unexpected expenses your way, our personal loans and debt consolidation options can help you manage those costs effectively. You can consolidate multiple debts into one manageable payment, making it easier to regain control of your finances.

Digital & Online Banking

Key Services

With just a few clicks, you can access our online banking services through https://www.tvfcu.com/. From checking balances to transferring funds, everything is available 24/7. Need to send money to a friend? Our person-to-person transfer feature lets you do just that quickly and easily. Plus, if you're always on the move, our mobile application keeps your financial information close at hand. Security is a top priority for us. You can rest easy knowing that we offer electronic signature authorization, making it easier to complete transactions safely without the need for paper forms. And if you prefer to receive updates digitally, e-statements are available for your accounts eliminating clutter while keeping you informed.

User-Friendly Features

Our digital banking tools are designed with you in mind. The mobile payments feature allows you to make purchases directly from your phone, streamlining your shopping experience. The intuitive interface of our mobile app ensures that even those new to online banking can navigate with ease. Whether you're checking your account balance or making payments late at night, our services are always ready when you are. With real-time account management capabilities, you're never more than a few taps away from taking control of your finances. In summary, Tennessee Valley offers a robust suite of digital banking solutions tailored for today's lifestyle. Experience the freedom and flexibility of managing your finances anytime, anywhere!

Financial Strength

Member Savings and Deposits

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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to keep 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 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 1421 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment in 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. Additionally, with $19,913 in used auto loans and a total of $1,964,905,649 in loans and leases, our lending capacity supports members' financial goals across various sectors.

Trust Built Through Growth

Total Share Accounts: 291,539 show a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $6,760,717, further highlighting our commitment to supporting you financially. 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 3636 Ringgold Rd Chattanooga TN 37412 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 new ride or a reliable used vehicle, our team is here to assist you every step of the way.

Business Loans

If you're a business owner looking for capital to grow and expand your operations, our outstanding commercial loans totaling $254,890,768 can provide the support you need. We understand that businesses require resources to thrive and are here to help with tailored solutions.

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 provide tailored solutions to fit your needs and guide you through the process with ease.

Refinancing Options

We also have refinancing options available across our loan products. If you're looking to lower your monthly payments or take advantage of better interest rates, don't hesitate to ask about how we can assist you in refinancing your current loans. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Tennessee Valley, we're dedicated to helping you find the right loan product for your needs while maintaining transparency and excellent service. Visit us today or check out our website for more information on how we can assist you!

Unsecured Credit Card Loans

For those who need flexibility in managing their finances, we also offer unsecured credit card loans. These are designed to help you cover expenses without the burden of collateral. Currently, we have $0 in unsecured credit card loans available but are committed to providing competitive options as needed.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 commitment to accuracy ensures that users receive fair and transparent offers tailored to their needs.