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

Introduction

Welcome to Tennessee Valley, your trusted partner in financial well-being located at 4974 Highway 58, Chattanooga, TN 37416. Established in 1936, we have proudly served our community for over eight decades, growing alongside our members to meet their evolving financial needs. With a robust membership base of 167,363 and total assets reaching an impressive $2,779,579,673, we are dedicated to providing exceptional service and support. At Tennessee Valley, we understand that each member's journey is unique. That's why we offer a wide range of services tailored to fit your lifestyle from personal banking solutions like checking and savings accounts to auto loans and mortgages. With total deposits amounting to $621,723,995, you can trust us to manage your finances with care and expertise. Our commitment goes beyond just numbers; it's about making a positive impact in the lives of our members and the community at large. Led by our CEO Todd Fortner and Board President David Longmire, our team of 539 employees is here to assist you every step of the way. We pride ourselves on being more than just a credit union; we're a community hub where financial dreams take flight. While members can visit us at our branch location for face-to-face assistance, we also offer convenient online services so you can bank anytime, anywhere. For official correspondence, please send mail to 4974 Highway 58, Chattanooga, TN 37416. We invite you to experience the difference with Tennessee Valley. Whether you're looking to open an account or inquire about loans, feel free to reach out at (423) 634-5600 or explore our website at tvfcu.com. Together, let's build a brighter financial future!

Branch History & Mission

Looking Ahead

As technology continues to advance, we remain committed to enhancing the member experience through digital innovations like online banking and mobile payment options. Our ATM availability ensures that you have access to your funds when you need them most, making banking simpler and more efficient. Join us at Tennessee Valley today! Experience firsthand how we can support you on your financial journey while making a positive impact in our community. Whether you're looking for personal banking solutions or seeking ways to grow your business, we're here for you every step of the way. Call us at 423-634-5600 or visit us online at tvfcu.com for more information about membership and services. Together, let's build a brighter future!

Our Mission

Our mission at Tennessee Valley is simple yet profound: to empower our members through exceptional financial services while fostering community support. We believe that everyone deserves access to quality banking solutions that enhance their lives. From personal checking accounts and auto loans to mortgage refinancing and credit cards with rewards, we offer a wide range of services designed to help you achieve your financial goals. Community engagement is at the heart of what we do. We actively participate in local events and initiatives that uplift our neighbors and strengthen the bonds within Chattanooga. Through partnerships with various organizations, we provide resources and support where it's needed most. While members can visit us at 4974 Highway 58, official correspondence should be sent to 4974 Highway 58, Chattanooga, TN 37416 if needed. Our operating hours are convenient for everyone: Monday through Friday from 9:00 a.m. to 5:00 p.m., with extended drive-thru hours on Saturday from 7:00 a.m. to 7:00 p.m.

Branch Location & Accessibility

Operating Hours

At the Tennessee Valley Credit Union, we strive to fit your busy lifestyle. Our lobby hours are welcoming and flexible: Monday through Thursday from 9:00 a.m. to 5:00 p.m., and Friday from 9:00 a.m. to 6:00 p.m. Need service after hours? We've got you covered with our drive-thru banking available Monday through Saturday from 7:00 a.m. to 7:00 p.m.

Parking and Accessibility

We know how important it is for our members to have easy access to their credit union. That's why we offer ample parking right at our branch, so you won't have to worry about finding a spot. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably.

Services Offered

Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, mortgage refinancing, or business banking services, our friendly staff is here to help. We also offer ATM services for quick cash withdrawals and balance checks anytime you need them. While members can visit us at 4974 Highway 58, official correspondence should be sent to the same address since our mailing address is the same as our physical location. If you have any questions or need assistance, don't hesitate to call us at 423-634-5600. We invite you to stop by and see how we can support your financial goals today!

Member Eligibility

At Tennessee Valley, we believe that joining our community should be an exciting and welcoming experience. Becoming a member is easy, and we're here to support you every step of the way. If you live, work, or worship in Hamilton County or are related to a current member, you're already eligible to join us! We value inclusivity and strive to create a space where everyone can feel at home while enjoying a variety of financial services tailored just for you. To start your membership journey with Tennessee Valley, simply visit us at 4974 Highway 58 Chattanooga Tn 37416 or give us a call at (423) 634-5600. You can find more detailed eligibility criteria by checking out our resource at https://www.tvfcu.com/about-us/become-a-member.html. When you're ready to open an account, the process is straightforward just head over to our account opening page at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozadz3cfy1jv8z3poficvjx10c6fgqnm98gmbxcv6dxtxc5c_lqjrlkpglzqqys9p4now. Join us today and experience the benefits of being part of our supportive credit union family!

Business Banking & Commercial Services

Financing 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.

Merchant Services That Make Sense

In today's fast-paced world, efficient payment solutions are crucial for any business. Our merchant services empower you to accept payments seamlessly, ensuring you never miss a sale. Imagine having the ability to process transactions quickly, whether in-store or online giving you more time to focus on what matters most: running your business. Located at 4974 Highway 58 Chattanooga Tn 37416 in Chattanooga, TN, we invite you to discover how our business banking solutions can help fuel your success. Reach out today at (423) 634-5600 or visit us online at https://www.tvfcu.com/ to learn more!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, Tennessee Valley also offers tailored solutions just for you. Our Business Banking services include merchant services and business loans that can help expand your operations. We understand the challenges faced by small businesses and are committed to providing the resources needed for growth.

Contact Us Today!

We invite you to explore all the ways Tennessee Valley can support your financial journey. Feel free to reach out at 423-634-5600 if you have any questions about our services or want to get started today! Visit us online at Tennessee Valley for more information or stop by our branch we're excited to serve you!

Convenient Access Points

We know convenience matters, which is why we offer various access points for banking transactions. Our branch features a basic Drive-Thru Banking service where you can make deposits and withdrawals without leaving your car. Plus, with our ATM services available on-site, accessing cash is quick and easy perfect for when you're on the go.

Credit Cards and Rewards

Our Credit Cards with Rewards program allows you to earn points on purchases while enjoying low rates. Imagine using your card for everyday expenses and watching rewards accumulate for travel or shopping!

Loans for Every Need

Life can be unpredictable, but having the right financial support can make a difference. At Tennessee Valley, we provide various loan options to help you navigate these changes. Whether you're in the market for an Auto Loan or seeking financing for your dream home through our Mortgage Loans & Refinancing, we have flexible terms and competitive rates that suit your budget. For those unexpected expenses or personal projects, consider our Personal Loans & Debt Consolidation options. These loans can help simplify your payments and reduce your financial stress.

Personal Banking Solutions

For those managing their day-to-day finances, our Personal Banking options are designed with you in mind. We offer checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds and earning interest on your savings all through our user-friendly Online & Mobile Banking platforms. With just a few taps on your phone, you can check balances, transfer money, or even pay bills without needing to visit the branch.

Digital & Online Banking

Convenient Online Services

With just a few clicks on our website, accessible at https://www.tvfcu.com/, you can take control of your accounts anytime. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills without stepping foot inside a branch. It's like having a bank in your pocket!

Secure and Accessible Banking

Security is a top priority at Tennessee Valley. We ensure that your information stays safe while you enjoy the convenience of mobile payments. Our app also provides real-time notifications so you're always aware of your account activity. Whether you're checking your balance or making a payment, our online banking options are designed to be user-friendly and efficient. So why wait? Dive into the future of banking with us today!

User-Friendly Features

Our mobile application makes it even simpler to handle your banking tasks. You can set up electronic signature authorization for quick document processing and access e-statements whenever you need them no more waiting for paper statements to arrive! Plus, if you're looking for a fast way to send money to friends or family, our person-to-person transfer feature has got you covered.

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. With our strong financial foundation, you can trust that your money is in safe hands. 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. Additionally, with $19,913 in used auto loans and a total of $1,964,905,649 in loans and leases available to our community, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, 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 and committed team. Net Shares (Funds available for lending and investments): $6,760,717. Total Share and Deposit Accounts: 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 4974 Highway 58 Chattanooga Tn 37416 or call 423-634-5600 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 interested in a brand-new vehicle or a reliable used option, our flexible terms make it easy for you to find the right fit.

Commercial Loans

For business owners, our outstanding commercial loans totaling $254,890,768 provide the capital needed to grow and expand your business. We understand that running a business comes with its own set of challenges and we're here to support your endeavors. At Tennessee Valley, we aim to empower you with the financial tools necessary for success. If you're considering refinancing options or want to check your eligibility for any of our loan products, feel free to reach out! You can contact us at 423-634-5600 or visit us at 4974 Highway 58 Chattanooga Tn 37416. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our services today and see how we can assist you on your financial journey!

Mortgage Options

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 offer competitive rates and personalized service to help you navigate the home-buying process smoothly.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although our total for these loans currently stands at $0, we are committed to helping our members manage their finances effectively through various other lending options.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh sources its loan 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 ensures that users receive fair and transparent offers without hidden conditions or misleading information. Each listed loan offer comes from legitimate financial institutions, which enhances trust in the process.