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

Introduction

At Tennessee Valley, we believe in building strong financial futures for our members and the community. Located at 4615 Georgetown Rd Nw, Cleveland, TN 37312, our branch is dedicated to providing personalized service and a wide range of financial products tailored to your needs. Whether you're looking to open a checking account, secure an auto loan, or explore business financing options, we're here to support you every step of the way. Established in 1936, Tennessee Valley has grown alongside our community, proudly serving over 167,000 members. With total assets exceeding $2.77 billion, we stand as a reliable partner in your financial journey. Our focus on member satisfaction is evident through our various offerings, including personal banking services, auto loans, and business banking solutions. While members can visit us at our branch location, official correspondence should be sent to 535 Chestnut St, Chattanooga, TN 37402. Our knowledgeable team, led by CEO Todd Fortner and Board President David Longmire, is committed to ensuring that you receive the attention and care you deserve. With total deposits amounting to $621,723,995 and a net worth of $394,993,089, we have the stability and resources necessary to help you achieve your financial goals. Additionally, our total loans stand at 61,412, reflecting our dedication to lending within the community. At Tennessee Valley, we understand that accessibility is key. That's why we offer online and mobile banking services for your convenience. Our branch hours are Monday through Friday from 10:00 a.m. to 7:00 p.m., with extended hours for personal tellers available on Saturdays from 7:00 a.m. to 7:00 p.m. We invite you to visit us or call us at 423-634-3600 for any questions or assistance you may need. Join us in making your financial dreams a reality let's build a brighter future together!

Branch History & Mission

Commitment to Service

We understand that convenience matters. That's why Tennessee Valley offers various services including ATM access available for withdrawals and balance checks. Though we do not currently have drive-thru service or shared service centers at this branch location, our operating hours are designed for your convenience: Monday through Friday from 10:00 a.m. to 7:00 p.m., with personal tellers available from Monday through Saturday between 7:00 a.m. and 7:00 p.m. In everything we do, from digital banking options like mobile payments and online account management to traditional loan services, our focus remains on you our valued members.

Join Us Today

We invite you to become part of the Tennessee Valley family. Experience firsthand the benefits of being a member of a credit union that truly cares about your financial success and community well-being. Visit us today or explore more about membership opportunities here. Together, let's build a brighter future!

Our Evolution

Over the decades, Tennessee Valley has continually adapted to meet the needs of our community. From humble beginnings as a small credit union, we have expanded our services and embraced technological advancements while maintaining a personal touch. Our goal has always been to empower our members with the financial tools they need to thrive. Whether it's providing auto loans or facilitating online banking, we are dedicated to making banking simple and straightforward.

Our Mission

The mission of Tennessee Valley is not just about offering financial services; it's about uplifting the community we serve. We strive to create financial solutions that make a real difference in people's lives. By focusing on member-centric services such as checking and savings accounts, mortgage loans, and business banking options, we aim to foster financial wellness for everyone. Our dedication extends beyond banking. We actively engage with local organizations through partnerships that enhance community development and provide educational resources on financial literacy. We believe that by supporting our neighbors, we contribute to a stronger community overall. While members can visit us at our branch location in Cleveland, official correspondence should be sent to our mailing address: 535 Chestnut St, Chattanooga, TN 37402.

Branch Location & Accessibility

Welcome to the Tennessee Valley branch located at 4615 Georgetown Rd Nw in Cleveland, TN! We're delighted to be part of the Bradley County community, offering you a convenient banking experience right where you need it. Whether you're heading to the nearby Food City or enjoying time at the Cleveland State Community College, our location is easily accessible and perfect for your financial needs. For your convenience, we have ample parking available, and our branch is designed to be accessible for everyone. You can expect a warm welcome from our team during our lobby hours, which run Monday through Friday from 10:00 a.m. to 7:00 p.m. If you prefer extended hours, our TVFCU LIVE personal tellers (ITM) are here to assist you from 7:00 a.m. to 7:00 p.m., Monday through Saturday. While members can visit us at 4615 Georgetown Rd Nw, please note that any official correspondence should be sent to our mailing address at 535 Chestnut St, Chattanooga, TN 37402. At Tennessee Valley Credit Union, we offer a variety of services tailored to fit your needs. From checking and savings accounts to auto loans and mortgage financing, we're here to help you every step of the way. Need cash? Our ATM is available for your convenience. We invite you to stop by and see how we can assist with your banking needs or give us a call at 423-634-3600 if you have any questions. We look forward to serving you!

Member Eligibility

At Tennessee Valley, we believe that everyone deserves a chance to be part of a caring and supportive financial community. Becoming a member is simple! If you live, work, worship, or go to school in Bradley County or surrounding areas, you're likely eligible to join our family. Additionally, if a family member is already a member, you can easily become one too. We aim to provide our members with an array of benefits including competitive loan rates, personalized service, and a range of financial products designed just for you. For detailed eligibility information, feel free to check out this resource. Ready to open your account? The process is straightforward and welcoming. Just visit us at 4615 Georgetown Rd Nw Cleveland Tn 37312 or give us a call at 4236343600 to learn more about how you can start your journey with us today! You can also find all the details you need about opening an account by clicking here. We can't wait to welcome you into the Tennessee Valley family!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced marketplace, having reliable merchant services can make all the difference. Our solutions help streamline transactions, allowing you to focus on what you do best running your business. Imagine a busy Saturday at your shop; with our quick payment processing solutions, customers can pay easily while you serve them efficiently. For businesses looking for flexible financing options and robust support, Tennessee Valley at 4615 Georgetown Rd Nw Cleveland Tn 37312 in Cleveland, TN is here to partner with you on your journey toward success. Reach out today at (423) 634-3600 to learn more!

Tailored Business Loans

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. This funding has allowed local entrepreneurs to expand operations, hire new employees, and invest in innovative projects. - 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

Business Banking Services

Running a business? We've got you covered with our business banking services including merchant services and business loans. Picture growing your venture with financial support designed specifically for small businesses like yours.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we also provide ATM services for quick cash withdrawals and balance checks whenever you need them. With Tennessee Valley, accessing your money is always just around the corner. No matter what stage you're at in life or what financial goals you have, we are here to help. Reach out today at 423-634-3600 or visit us online at tvfcu.com to learn more about how we can assist you in achieving financial success!

Home Financing Options

For those considering homeownership or refinancing an existing mortgage, our mortgage loans provide affordable solutions tailored to your needs. We understand that purchasing a home is one of the biggest decisions you'll make, so we strive to offer straightforward advice and support throughout the process.

Personal Banking Solutions

When it comes to personal banking, we provide essential services like checking and savings accounts that help you keep your funds organized and accessible. Imagine having the convenience of managing your money with easy online banking and mobile app features that let you check balances, transfer funds, and pay bills right from your phone. Our members appreciate the ability to access their accounts anytime and anywhere.

Personal Loans for Life’s Needs

Life can throw unexpected expenses your way. That's where our personal loans come into play. Whether it's for debt consolidation or other personal needs, we offer loans designed to help you regain control of your finances. You can trust us to guide you through the application process with ease.

Rewarding Credit Card Choices

Looking for a credit card that rewards you for everyday spending? Our credit cards come with rewards programs that give back for things you already buy. It's not just about having a card; it's about getting something extra while managing your expenses wisely.

Vehicle Financing Made Easy

If you're in the market for a car or truck, our auto loans and vehicle financing options can put you in the driver's seat without breaking the bank. Picture driving off in your dream vehicle with a loan that fits comfortably within your budget. We offer competitive rates and flexible terms to help make this happen.

Digital & Online Banking

Convenient Features for Everyday Use

With 24/7 online banking services, you can check your balance, transfer funds, and pay bills whenever it suits you. Our mobile application enhances this experience by allowing you to manage your money right from your smartphone. Plus, if you're looking to send money to friends or family, our person-to-person transfer feature makes it quick and simple. Security is a top priority for us. We offer electronic signature authorization, ensuring that your transactions are safe and verified. You can also opt for e-statements to keep track of your finances without the clutter of paper statements. It's all about giving you peace of mind while providing convenient access to your financial information.

Stay Connected with Mobile Payments

Our mobile payments feature allows you to make purchases directly from your phone, so you can leave your wallet behind when you're out shopping. No need to worry about cash or cards; everything is right at your fingertips. In today's fast-paced world, having quick access to your finances isn't just nice; it's necessary. At Tennessee Valley, we aim to provide services that fit seamlessly into your life while keeping everything secure and accessible. Experience the ease of banking digitally with us today!

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 are committed to providing a solid foundation for your financial journey, ensuring that you can trust us with your savings and loans. 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 members' financial goals with $19,913 in used auto loans and $1,964,905,649 in total loans and leases. Our operational efficiency is reflected in our net income of $0, which enables 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 available for lending and investments stand at $6,760,717. Total Share Accounts have reached 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 4615 Georgetown Rd Nw Cleveland Tn 37312 or call us at 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 interested in financing a brand-new model or a reliable used vehicle, our flexible terms can help make it happen.

Business Financing

If you're a business owner in need of capital, our outstanding commercial loans totaling $254,890,768 provide the funds necessary to grow and expand your operations. We work closely with local businesses to tailor financing solutions that fit their needs. Our loan offerings are designed with you in mind. We also provide refinancing options if you're looking to adjust existing loans for better rates or terms. For more information about eligibility and how to apply for any of our loan products, feel free to reach out at (423) 634-3600, or visit us at 4615 Georgetown Rd Nw Cleveland Tn 37312. 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!

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 aim to provide a straightforward process for securing your dream home while ensuring affordability and accessibility.

Unsecured Credit Card Loans

For those looking for financial flexibility, we also offer flexible terms on unsecured credit card loans. Although currently at $0, this option is perfect for managing everyday expenses without tying up your assets.

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 tool is designed to help users easily navigate their options without getting lost in a sea of information. 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 transparency means that users receive fair and reliable offers tailored to their needs. One key advantage of using LendMesh is the verified data it provides. All loan offers come from legitimate financial institutions, ensuring you can trust the information you see. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions, which means users receive unbiased results every time they search for loans. With real-time rate comparisons, LendMesh keeps its data current so you can make informed decisions quickly. Whether you're looking for a mortgage or an auto loan, having access to up-to-date rates makes all the difference in finding the best deal. 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!" This kind of feedback highlights how effective and user-friendly LendMesh truly is. 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.