Tennessee Valley Credit Union Cleveland TN | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Tennessee Valley, your trusted financial partner located at 180 Stuart Xing NE, Cleveland, TN 37312. Established in 1936, we have proudly served our community for over eight decades, fostering a spirit of cooperation and mutual support among our 167,363 members. With total assets exceeding $2.77 billion, we are committed to providing secure and reliable financial services tailored to meet the needs of our diverse membership. At Tennessee Valley, we understand that each member has unique goals and aspirations. That's why we offer a wide range of services from personal banking and auto loans to mortgage financing and business banking solutions. Our total deposits stand at $621,723,995, reflecting the trust our members place in us. We also boast an impressive loan portfolio with over 61,412 loans and leases granted, ensuring that we can help you achieve your financial dreams. Our leadership team is dedicated to your success. Under the guidance of CEO Todd Fortner and Board President David Longmire, our employees totaling 539 passionate individuals work tirelessly to provide exceptional service every day. Whether you visit us in person or connect with us online via our website at tvfcu.com, you'll experience the warmth and professionalism that defines our credit union. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 180 Stuart Xing NE, Cleveland, TN 37312. Join us today and discover how Tennessee Valley can help you navigate your financial journey with confidence. Feel free to reach out at 423-634-5900 for any inquiries or assistance; we're here for you!

Branch History & Mission

At Tennessee Valley, we proudly carry a legacy that began in 1936, when our doors first opened to the community of Cleveland, TN. Our branch, located at 180 Stuart Xing NE, has grown alongside its members, evolving from a small credit union into a vital financial institution with over 167,000 members and assets totaling $2,779,579,673. Throughout the years, we have remained committed to offering personalized financial services while fostering a sense of community among our members. Our mission is clear: we strive to provide exceptional financial services that empower our members to achieve their goals. We understand that everyone's journey is unique. That's why we offer a wide range of products from checking and savings accounts to auto loans and mortgages all designed with the needs of our members in mind. We also focus on giving back to the community through various outreach programs and partnerships that uplift those around us. While members can visit us at our Cleveland branch for face-to-face interactions, official correspondence should be sent to our mailing address: 180 Stuart Xing NE, Cleveland, TN 37312. This ensures that all communication is managed efficiently. In addition to traditional banking services, Tennessee Valley embraces modern technology to enhance member experience. Our online banking platform allows for easy account management from anywhere. We also offer mobile payment options and electronic statements for convenience. Plus, with ADA compliance initiatives in place, we ensure accessibility for all. Our commitment goes beyond just banking. We actively participate in community events and support local initiatives aimed at improving the quality of life in Bradley County. Whether it's sponsoring local sports teams or hosting educational workshops on financial literacy, we believe in making a positive impact where it matters most. We invite you to join Tennessee Valley and experience the difference that comes with being part of a credit union dedicated to serving its members and the community. Together, let's build a brighter future! For more information or to become a member today, please call us at 423-634-5900 or visit our website at Tennessee Valley.

Branch Location & Accessibility

Accessibility Features

At Tennessee Valley, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps and spacious pathways, ensuring everyone can navigate comfortably. Plus, parking is ample and easily accessible right outside the entrance.

Operating Hours

We understand that flexibility is key when it comes to banking. That's why our lobby hours are designed to fit your schedule: Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and we're open Saturday for drive-thru services from 7:00 a.m. to 7:00 p.m. Feel free to stop by during these times we're here to help!

Services Offered

Our North Cleveland Branch offers a variety of personal banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage options, we've got you covered! Need a quick transaction? Our drive-thru service makes it easy for you to manage deposits and withdrawals without leaving your car. And don't forget about our ATM availability accessible anytime for cash withdrawals and balance checks. While members can visit us at 180 Stuart Xing NE, official correspondence should be sent to the same address since it's also our mailing location. Feel free to reach out at 423-634-5900 if you have any questions or need assistance before your visit. We look forward to welcoming you into our branch soon!

Member Eligibility

Welcome to the Tennessee Valley family, where becoming a member means joining a community that truly cares about your financial well-being. At our branch located at 180 Stuart Xing NE, Cleveland, TN 37312, we invite individuals who live, work, worship, or attend school in our service areas to apply for membership. Whether you're looking for personal banking options like checking and savings accounts or need assistance with loans and credit cards, you'll find a supportive environment ready to help you achieve your goals. Joining us is simple! Just visit our website for detailed eligibility criteria at this link. If you're ready to take the next step towards opening an account, you can do so easily online by following this link. If you have any questions along the way, feel free to give us a call at 423-634-5900. We're excited to welcome you into our community!

Business Banking & Commercial Services

Our Lending Commitment

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 make daily transactions easier. Picture this: a retail store using our payment processing solutions can accept payments quickly and securely, allowing them to focus more on customer service rather than worrying about technology hiccups. Visit us at 180 Stuart Xing Ne Cleveland Tn 37312 in Cleveland, TN or call us at (423) 634-5900 to explore how our business banking services can empower your enterprise. Together, let's grow your business!

Comprehensive List Of Services

Business Banking

For our business members, Tennessee Valley provides essential services like merchant services and business loans. We recognize that running a business comes with its challenges; hence our team is here to support your growth with tailored financial solutions.

Convenient Access

We prioritize convenience through our digital banking features. With online and mobile banking available 24/7, managing your finances has never been easier. You can access ATM services for quick cash withdrawals or balance checks anytime you need them. Plus, our drive-thru service is perfect for simple transactions without leaving your vehicle.

Get Started Today!

Ready to explore how Tennessee Valley can help you achieve your financial goals? Don't hesitate to reach out! Call us at 423-634-5900 or visit us at 180 Stuart Xing Ne, Cleveland, TN 37312. Join us today and experience the difference in personalized banking! For more information about membership eligibility or to open an account online, visit our website. We're excited to serve you!

Loans and Credit Solutions

In addition to auto loans, we offer personal loans and debt consolidation options. Whether you're planning a vacation, tackling home improvements, or simply managing expenses, our personal loans can provide the funds you need. Our credit cards come with rewards programs that let you earn while you spend perfect for everyday purchases.

Personal Banking

Our personal banking services include checking and savings accounts that make it easy to manage your money. Imagine having a checking account that not only offers low fees but also provides you with access to online and mobile banking. You can check balances, transfer funds, and pay bills right from your smartphone or computer. For those considering a new vehicle, our auto loans and vehicle financing options make purchasing your dream car a reality. We understand that buying a car is a significant decision; that's why we offer competitive rates and flexible terms to fit your budget. If you're looking to buy a home or refinance an existing mortgage, our mortgage loans are designed to help you secure the best possible deal.

Digital & Online Banking

At Tennessee Valley, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our user-friendly platform, managing your finances has never been easier or more secure. Our online banking services, available 24/7 at https://www.tvfcu.com/, let you access your accounts anytime, anywhere. You can check balances, pay bills, and transfer money with just a few clicks. For those who prefer mobile banking, our dedicated mobile application makes it easy to handle your finances on the go. Whether you're waiting in line or relaxing at home, managing your money is always within reach. We also prioritize your security with features like electronic signature authorization, so you can complete transactions safely and efficiently. Plus, you'll enjoy the convenience of e-statements no more paper clutter! Stay organized and informed about your account activity without the hassle of traditional statements. If you want to make quick payments to friends or family, our person-to-person transfer feature allows you to send money instantly. And for those who love shopping with their phones, our mobile payments feature lets you pay securely at merchants that accept mobile transactions. At Tennessee Valley, we are committed to providing accessible banking solutions that empower you to take control of your financial future. Whether it's through our comprehensive online services or our responsive mobile app, we make it easy for you to manage your accounts in real time. Join us today and experience the ease and convenience of digital banking!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts: 291,539, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $6,760,717, further emphasizing our ability to support your financial needs. 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 180 Stuart Xing Ne Cleveland Tn 37312 or call 423-634-5900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 $0 net income, 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, committed team.

Reinvesting for Your Benefit

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.

Solid 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. We provide financing options that cater to both new and used vehicles, ensuring you have flexible choices that fit your budget.

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 enhance an existing business, we have tailored solutions designed to meet your specific requirements.

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. Whether you're looking for your first home or considering an investment property, our mortgage specialists are ready to assist you every step of the way.

Refinancing and Eligibility Options

We also understand that circumstances change over time. That's why we offer refinancing options for many of our loan products. If you're interested in refinancing your current loan or checking your eligibility for any of our offerings, please don't hesitate to contact us or visit our website for more information. 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 strive to make borrowing straightforward and accessible for all our members. Let us help you find the right loan product that fits your financial journey today!

Unsecured Credit Card Loans

Managing finances can be challenging at times. We also offer flexible terms on unsecured credit card loans to help you navigate through those challenges. While currently our total in unsecured credit card loans stands at $0, we invite you to explore other credit options that may suit your needs.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for every user. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily find the best options available at any time. 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!" Take control of your borrowing experience by using a tool built on trust and accuracy. 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.*

How LendMesh Ensures Accurate Loan 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 ensures that all loan offers are fair and transparent. By using trusted sources, LendMesh guarantees that users receive accurate information when comparing rates.