Tennessee Valley Credit Union Chattanooga TN | Cheap Mortgage Refinance & Business Banking

Introduction

Welcome to the Tennessee Valley branch, your trusted partner in financial wellness located at 8001 Volkswagen Dr, Chattanooga, TN 37416. Since opening our doors in 1936, we have proudly served our community with dedication and care, growing into a robust credit union with over 167,000 members who rely on us for their banking needs. At Tennessee Valley, we understand that every member's financial journey is unique. With total assets exceeding $2.77 billion and deposits reaching $621.7 million, we are committed to providing personalized services that empower you to achieve your financial goals. Whether you're interested in auto loans, mortgages, or simple savings accounts, our range of products is designed to meet diverse needs. Our team of 539 employees, led by CEO Todd Fortner and Board President David Longmire, is here to support you every step of the way. We pride ourselves on creating a welcoming environment where members feel valued and understood. Our goal is to foster not just financial growth but also a strong sense of community. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 23967, Chattanooga, TN 37422. Join us today and discover how Tennessee Valley can help you navigate your financial future confidently. For any inquiries or assistance, don't hesitate to call us at 423-634-3600 or visit our website at tvfcu.com. Your journey towards better financial health starts here!

Branch History & Mission

Welcome to the Tennessee Valley branch, a cornerstone of financial well-being in Chattanooga, TN. Established in 1936, our branch has proudly served the community for over eight decades. From our humble beginnings, we have grown alongside our members, expanding our services and deepening our commitment to helping individuals achieve their financial dreams. Located at 8001 Volkswagen Dr, Chattanooga, TN 37416, we are conveniently situated near key landmarks that make us accessible to everyone in the area. While members can visit us at this address, official correspondence should be sent to PO Box 23967, Chattanooga, TN 37422 if needed. Throughout our history, we have seen tremendous growth and change. Today, we proudly serve 167,363 members and manage total assets of over $2.77 billion. Our mission is clear: we aim to provide exceptional financial services while actively supporting the communities we serve. We believe in empowering our members through access to affordable loans, robust savings options, and personalized guidance tailored to individual needs. Our branch's commitment goes beyond just banking. We actively engage with local organizations and initiatives that uplift our community. By building strong partnerships and sponsoring local events, we strive to make a positive impact right here in Chattanooga. In today's fast-paced world, we've embraced technology to enhance your banking experience. Our digital offerings include online banking, mobile payments, and e-statements making it easier than ever for you to manage your finances on your terms. Additionally, we ensure accessibility for all members by complying with ADA standards. As part of our dedication to customer service, we offer ATM availability for quick cash withdrawals and convenient transactions. While we currently do not have drive-thru services or shared service centers available at this branch location, our friendly staff is always ready to assist you during our operating hours from 9:00 am - 5:00 pm Monday through Friday, and for live support from 7:00 am - 7:00 pm Monday through Saturday. At Tennessee Valley Credit Union, we're more than just a financial institution; we're a community partner dedicated to your success. We invite you to join us on this journey toward achieving your financial goals. Experience the benefits of membership today by visiting our website or calling us at 423-634-3600. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to the Tennessee Valley Volkswagen Branch, your friendly neighborhood credit union located at 8001 Volkswagen Dr in Chattanooga, TN. Our branch is conveniently situated near popular landmarks, making it easy for you to stop by while running errands or visiting nearby attractions. Whether you're heading to a local shop or enjoying a day out in the city, we're here to support your banking needs. At our Volkswagen Branch, we prioritize accessibility for all members. You'll find ample parking available right outside our doors, along with features designed to assist those with mobility challenges. We strive to make your visit as smooth as possible, ensuring that everyone can access our services comfortably. We understand that your time is valuable. That's why we offer flexible operating hours to fit your schedule: our lobby is open from 9:00 am to 5:00 pm Monday through Friday. Additionally, our Live Studio and Live Line services are available from 7:00 am to 7:00 pm on Saturdays. You can reach us at 423-634-3600 for any inquiries or assistance during these hours. For your convenience, we have an ATM on-site, allowing you to access cash and check balances whenever you need. While we do not have drive-thru banking at this location, our friendly staff is always ready to assist you inside the branch. If you need to send official correspondence, please note that while you can visit us at 8001 Volkswagen Dr, all mail should be directed to PO Box 23967, Chattanooga, TN 37422. We invite you to explore all the services we offer from personal banking solutions like checking and savings accounts to auto loans and business banking options. Our team is dedicated to helping you achieve your financial goals. We look forward to welcoming you soon at the Tennessee Valley Volkswagen Branch! Feel free to stop by or give us a call today!

Member Eligibility

At Tennessee Valley, we believe that becoming a member is more than just opening an account; it's about joining a supportive community that cares for your financial well-being. To become a part of our family, you'll find that eligibility is designed to be welcoming and inclusive. If you live, work, worship, or attend school in Hamilton County or certain surrounding areas, you're likely eligible! Additionally, family members of current members can join too. We encourage you to explore the detailed eligibility criteria by visiting our website at https://www.tvfcu.com/about-us/become-a-member.html to ensure you meet the requirements. Opening your account with us is straightforward and convenient. You can start the process online by visiting this link or simply give us a call at 4236343600 if you have any questions or need assistance. Our branch is located at 8001 Volkswagen Dr, Chattanooga TN 37416, and we can't wait to welcome you into our Tennessee Valley family!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's competitive market, effective payment solutions are crucial. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Imagine being able to accept payments seamlessly, whether in-store or online. This flexibility not only enhances customer satisfaction but also helps streamline your operations. When you choose Tennessee Valley, you're choosing a partner dedicated to your success right here in Chattanooga, TN. For more information on how we can help your business thrive, visit us at 8001 Volkswagen Dr Chattanooga Tn 37416 or call us at (423) 634-3600. Let's grow together!

Tailored Loan Solutions

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

Conclusion

At Tennessee Valley, we understand that financial needs vary from person to person. That's why we strive to offer personalized solutions that fit your lifestyle. Our friendly team is always available at 423-634-3600 during our hours of operation: Monday through Friday from 9 AM to 5 PM and Saturday from 7 AM to 7 PM via Live Studio access. Ready to take the next step? Explore more about our services or become a member by visiting us online at tvfcu.com. Your financial future starts here!

Credit Cards & Business Banking

For those who enjoy rewards for their spending, our credit cards offer great benefits that can add up quickly. You can earn points while shopping for everyday items! If you're a business owner, we provide essential business banking services like merchant services and business loans to support your growth.

Digital Banking

In today's fast-paced world, convenience is key. That's why we've invested in online and mobile banking solutions. With just a few taps on your smartphone, you can check balances, pay bills, and transfer money seamlessly. Our ATM services make cash withdrawals easy anytime you need them.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. Imagine being able to easily track your spending and savings all in one place! We also offer competitive rates on auto loans and vehicle financing. Whether you're buying a new car or refinancing an existing loan, we have options that suit your budget. When it comes to home ownership, our mortgage loans and refinancing options can make your dreams come true. Picture yourself settling into a cozy home with manageable payments tailored just for you. Plus, if you're looking for a way to consolidate debt or fund personal projects, our personal loans are flexible and straightforward.

Digital & Online Banking

Convenient Access Anytime, Anywhere

With our 24/7 online banking services, you can access your accounts anytime through our website at https://www.tvfcu.com/. This means you can check balances, pay bills, and transfer funds without having to visit a branch. Our user-friendly interface ensures that even those new to online banking will feel right at home.

Mobile Banking at Your Fingertips

Our mobile application makes it easy to bank on the go. Need to make a quick payment? Our mobile payments feature allows you to send money directly from your phone. Want to split a bill with friends? Use our person-to-person transfer option for instant payments.

Secure Transactions Made Simple

We prioritize your security. With features like electronic signature authorization, you can confidently complete transactions from the comfort of your home. Plus, with e-statements available, you can keep track of your finances without the clutter of paper statements.

Stay In Control

Managing your accounts in real-time is crucial, and that's exactly what we provide. From checking account balances to accessing e-statements, everything is just a few clicks away. You can enjoy peace of mind knowing that you have full control over your financial activities. In summary, Tennessee Valley offers a comprehensive suite of digital and online banking services that cater to your lifestyle needs while ensuring security and ease of use. Embrace the future of banking with us today!

Financial Strength

Growing Membership Base

The trust placed in us by our members is underscored by the fact that we currently have 291,539 total share accounts. This strong and growing member base reflects the confidence you have in us to handle your finances responsibly. In summary, 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 8001 Volkswagen Dr Chattanooga TN 37416 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.*

Lending Capacity

Our commitment to supporting your financial goals is evident in our lending capacity. We have provided $19,913 in used auto loans and an impressive total of $1,964,905,649 in loans and leases across various sectors. This means whether you're looking to purchase a new vehicle or need financing for other personal or business needs, we've got you covered.

Member Savings and Security

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. Additionally, with $393,489,388 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, showcasing our ability to manage resources effectively while focusing on member benefits. 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.

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 buying a brand-new vehicle or a reliable used one, we have financing solutions that fit your budget.

Business Financing

For business owners looking for capital to grow and expand their operations, our outstanding commercial loans total $254,890,768. These loans are tailored to meet the specific needs of businesses in our community. At Tennessee Valley Credit Union, we strive to make financing straightforward and accessible. If you're considering refinancing options or want to learn more about eligibility requirements for any of these products, feel free to visit our website or contact us directly. 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 on your financial journey!

Credit Lines and Unsecured Loans

For those needing flexibility in their finances, we also provide credit lines totaling $374,691,369. These lines can be used for anything from home improvements to unexpected expenses. Additionally, we offer unsecured credit card loans with no outstanding balance currently available; this means you can manage your purchases without worrying about collateral.

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, making it easier for you to secure your dream home with favorable terms and rates.

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. This trusted tool is designed to help users make informed decisions with confidence. 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 commitment to compliance guarantees fair and transparent offers for all users. One of the key benefits of using LendMesh is its Verified Data. Loan offers come only from legitimate financial institutions, enhancing transparency and trust. Additionally, LendMesh prioritizes user experience by featuring No Sponsored Listings. Unlike many other comparison tools, it does not rank lenders based on paid promotions; its goal is to provide unbiased results that truly reflect the market. With Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions, allowing them to make well-informed choices tailored to their needs. 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!" For those looking for the best rates available, 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.*