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

Introduction

Welcome to Tennessee Valley, your trusted partner in financial well-being, located at 2440 Treasury Dr SE, Cleveland, TN 37323. Since our establishment in 1936, we have proudly served our community with a commitment to helping our members achieve their financial goals. With a growing membership of 167,363 and total assets reaching an impressive $2,779,579,673, we are dedicated to providing reliable and accessible banking services. At Tennessee Valley, we believe that strong communities are built on solid financial foundations. Our wide range of services including personal banking, auto loans, mortgage financing, and business loans are designed to cater to the diverse needs of our members. In fact, we currently hold over $621,723,995 in deposits and have facilitated 61,412 loans, empowering families and businesses alike. Our team is led by CEO Todd Fortner and Board President David Longmire, who share a vision of making banking simple and beneficial for everyone. With a dedicated workforce of 539 employees, we're here to assist you with personalized service that prioritizes your needs. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2440 Treasury Dr SE, Cleveland, TN 37323. We invite you to explore how Tennessee Valley can help you navigate your financial journey. For more information or assistance, please call us at 423-634-8200 or visit our website at tvfcu.com. Your future starts here!

Branch History & Mission

Modern Banking Solutions

In today's fast-paced world, we also recognize the importance of digital advancements. Tennessee Valley offers robust online and mobile banking features to ensure that our members can manage their finances conveniently from anywhere. We prioritize accessibility for all by adhering to ADA compliance standards and continuously enhancing our customer-centric initiatives. For those who prefer face-to-face interactions, we provide drive-thru banking services and maintain convenient operating hours from Monday through Saturday. With ATMs available on-site, accessing your funds has never been easier. As you consider joining Tennessee Valley, remember that you're not just choosing a credit union; you're becoming part of a community-focused family dedicated to your financial success. Experience the benefits of membership today by visiting us at 2440 Treasury Dr SE, calling us at 423-634-8200, or exploring more about what we offer at tvfcu.com. Together, let's build a brighter future!

Our Mission

At Tennessee Valley, our mission is clear: we strive to enhance the lives of our members by offering personalized financial services that help them achieve their goals. We believe that everyone deserves access to the resources they need for a brighter financial future. Whether it's through personal banking options like checking and savings accounts or auto loans and mortgages, we are here to guide our members every step of the way. We understand that community support extends beyond just banking services. That's why we actively engage in outreach efforts and partnerships aimed at uplifting those around us. Our team is dedicated to fostering relationships with local organizations and initiatives that make a positive impact in Cleveland and its surrounding areas.

Branch Location & Accessibility

Convenient Access

Our branch offers ample parking and is fully accessible for everyone, including those who need ADA-compliant features. You can find us just off major roadways, ensuring quick access whether you're driving or walking. If you're looking for a reliable ATM, we have that too! You can easily withdraw cash or check your balance anytime.

Get In Touch!

Have questions? Feel free to give us a call at 423-634-8200! We're eager to assist you with anything you need. Come by today; we look forward to welcoming you into the Tennessee Valley family!

Operating Hours

We know your time is valuable, which is why our lobby hours are designed with your convenience in mind. Visit us Monday through Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m. For those busy weekends, our drive-thru service operates from 7:00 a.m. to 7:00 p.m., Monday through Saturday.

Services We Offer

At Tennessee Valley, we pride ourselves on offering a range of personal and business banking services tailored to fit your lifestyle. From checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to help you navigate all your financial needs. You can also take advantage of our online and mobile banking options for added convenience. While members can visit us at 2440 Treasury Dr SE, official correspondence should be sent to the same address as our mailing address remains unchanged.

Member Eligibility

Joining the Tennessee Valley community means becoming part of a supportive network that prioritizes your financial well-being. To become a member of Tennessee Valley, you'll find it's quite accessible! If you live, work, worship, or go to school in Bradley County or surrounding areas, you're likely eligible. Plus, family members of current members are also welcome to join our family! Being a member at Tennessee Valley offers you not only great financial products but also personalized service that feels like home. For more detailed information about eligibility, feel free to check out our resource page at this link. Ready to open an account? The process is simple and straightforward! You can easily start your journey by visiting our account opening page here. If you have any questions along the way, don't hesitate to call us at 4236348200. We're here for you at our branch located at 2440 Treasury Dr Se Cleveland Tn 37323!

Business Banking & Commercial Services

Business Loans Tailored for You

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. Imagine being able to invest in new equipment or hire additional staff without the stress of financial constraints. Our loans can provide the necessary capital to make those plans a reality.

Merchant Services That Simplify Payments

In addition to loans, we offer merchant services that make it easier for you to accept payments from your customers. Picture this: your business is buzzing with customers eager to purchase your products. With our streamlined payment processing solutions, you can focus on what you do best serving your clients while we handle the transactions efficiently. Ready to take the next step? Visit us at 2440 Treasury Dr Se Cleveland Tn 37323 in Cleveland, TN, or call us at (423) 634-8200 to learn more about how we can support your business needs!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing services provide competitive rates and flexible terms, making it easier for you to drive away in the vehicle you want. You can apply quickly online or visit us in person; our friendly staff will guide you through the process.

Business Banking Services

For local business owners, our Business Banking services include essential tools like Merchant Services and Business Loans. We're dedicated to helping you grow and succeed in today's competitive market.

Convenient Access Options

Accessing your accounts has never been easier! With our ATM & Cash Withdrawal Services available around the clock and basic drive-thru banking for quick transactions, we're here when you need us most. Plus, enjoy the convenience of withdrawing cash or checking balances at any time through our ATMs. At Tennessee Valley, we pride ourselves on offering more than just financial products; we're dedicated to building lasting relationships with our members. If you're ready to explore how we can assist you in achieving your financial dreams or if you have any questions about our services, please feel free to reach out at 423-634-8200 or visit us at Tennessee Valley. Join us today and experience the difference that personalized service makes!

Credit Cards with Rewards

With our Credit Cards with Rewards, every purchase brings you closer to great rewards. Whether it's cash back on groceries or points towards travel experiences, we have the perfect card for your spending habits.

Mortgage Loans & Refinancing

If you're ready to buy a home or looking to refinance your current mortgage, we offer comprehensive Mortgage Loans & Refinancing solutions. Let's work together to find the best plan that meets your needs whether it's securing lower monthly payments or accessing equity in your home.

Personal Banking Solutions

Whether you're opening your first checking account or saving for a big purchase, our Personal Banking options make it easy. We offer both checking and savings accounts tailored to fit your lifestyle. Imagine being able to access your funds easily through our Online & Mobile Banking services, allowing you to check balances, transfer money, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

We know that life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation options are designed to give you the financial relief you need. By consolidating debt, you can simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Features

With our online banking platform, available at https://www.tvfcu.com/, you can access your accounts 24/7. This means you can check balances, pay bills, and transfer money whenever it suits you. Plus, our mobile application makes it even easier to bank from anywhere, allowing you to perform all these tasks right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds. And if you're looking for quick and secure ways to make purchases, our mobile payments option is perfect for making transactions without the hassle of cash or cards.

Security and Accessibility

At Tennessee Valley, your security is our top priority. We use electronic signature authorization for important transactions, ensuring that everything is safe and sound. You can also opt for e-statements, which not only keeps your information secure but also helps you stay organized by reducing paper clutter. Our user-friendly interface ensures that even those who may not be tech-savvy can navigate with ease. With real-time account management at your fingertips, you'll always know where your finances stand. In a world where convenience matters, let us take care of your banking needs so you can focus on what truly matters. Experience the ease of digital banking today with Tennessee Valley!

Financial Strength

Growing Member Base

We have a total of 291,539 share accounts, showing a strong and growing member base that trusts us with their finances. This trust empowers us to keep serving you effectively while maintaining the highest standards of service quality. 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 2440 Treasury Dr Se Cleveland Tn 37323 or call 423-634-8200 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.

Investing in Your Future

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 is robust as shown by our $19,913 in used auto loans and a total of $1,964,905,649 in loans and leases which support members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is highlighted by our net income of $0, which allows 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.

Secure Savings Options

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.

Strong 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 provide some of the lowest rates in the industry. We've already issued $358,697,719 in new vehicle loans and $355,015,464 in used vehicle loans. This means our members can get on the road with confidence and ease.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $254,890,768 provide the capital needed to grow and expand your business. We believe in supporting local businesses and helping them thrive. If you're considering refinancing any existing loans or would like to explore eligibility options for our loan products, we encourage you to reach out. Our team is dedicated to helping you navigate through your choices. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. To learn more about our offerings or to speak with a representative about your specific needs, please contact us at 423-634-8200 or visit us at 2440 Treasury Dr SE Cleveland TN 37323. Your financial future starts here!

Credit Lines and Personal Loans

For those who need flexibility in managing their finances, we offer credit lines totaling $374,691,369. These lines can be a great resource for unexpected expenses or planned purchases. Additionally, our unsecured credit card loans can help you manage everyday spending effectively.

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 are here to guide you through the process and ensure you find the best fit for your situation.

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. With so many options available, it's crucial to have a tool that you can trust. LendMesh ensures accurate loan comparisons by sourcing its 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 means users receive fair and transparent offers without any hidden conditions. One of the key benefits of using LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency and confidence in the options presented. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This approach guarantees that users receive unbiased results tailored to their needs. With real-time rate comparisons, LendMesh helps users stay informed about current loan rates across multiple institutions. This feature empowers individuals to make educated decisions about their borrowing options. 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!" Such testimonials reflect the reliability and effectiveness of this comparison tool. 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.*