Trust Credit Union Chattanooga TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Trust, your reliable financial partner located at 2186 Northgate Park Ln, Chattanooga, TN 37415. Established in 1934, we have proudly served our community for decades, growing to support over 8,335 members with a strong commitment to personal and business banking needs. With total assets of $125,835,347 and total deposits reaching $7,239,710, we are dedicated to providing exceptional financial services that empower our members' futures. At Trust, we believe in the power of community. Our team of 32 dedicated employees, led by CEO David Smart and Board President Tony Sanders, works tirelessly to ensure that your banking experience is smooth and rewarding. Whether you're looking for auto loans, savings accounts, or personalized financial advice, we're here for you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2186 Northgate Park Lane, Chattanooga, TN 37415. With a net worth of $15,592,174 and cash in hand totaling $905,563, you can trust that your money is safe with us. Our services include everything from personal loans and credit cards with rewards to business banking solutions. We understand that every member has unique needs, which is why we offer tailored options designed just for you. We invite you to visit us in person or give us a call at 423-870-7610 to learn more about how we can help you achieve your financial goals. Together, let's build a brighter financial future!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the Trust family. Experience firsthand how our member-focused approach can benefit you and your financial goals. Visit us today or explore more about becoming a member through our website at Trust FCU. Together, let's build a brighter future for ourselves and our community!

Our Mission

Our mission goes beyond traditional banking. We aim to empower individuals and families by providing access to affordable financial products and services. We believe that everyone deserves a chance to thrive financially. That's why we offer services like auto loans, checking and savings accounts, and business banking options all designed with your needs in mind. We understand that community matters too. Through partnerships with local organizations and outreach programs, we actively contribute to enhancing life in Chattanooga. By investing in our community, we help ensure that everyone can achieve their dreams. While you can visit us at our branch for all your banking needs during our operating hours Monday to Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 1 PM you can also take advantage of our digital advancements. Enjoy online banking, mobile payments, and ATM access for added convenience. If you need official correspondence, please send it to our mailing address at 2186 Northgate Park Lane, Chattanooga, TN 37415.

Our Story

Located at 2186 Northgate Park Ln in beautiful Chattanooga, TN, our branch has always prioritized member needs. From our humble beginnings, we've consistently focused on expanding our offerings while maintaining a personal touch. Over the decades, we have seen many changes in the financial landscape but have remained dedicated to our mission: to enhance the financial well-being of our members through quality service and community involvement. The Trust Northgate Branch is not just about numbers though we are proud of our total assets of $125,835,347 and growing membership base. It's about relationships built on trust and support. Whether it's assisting you with personal loans or helping you navigate your first mortgage, we strive to make each experience positive and impactful.

Branch Location & Accessibility

Welcome to the Trust Northgate Branch, your friendly financial partner located at 2186 Northgate Park Ln in beautiful Chattanooga, TN. Nestled in Hamilton County, our branch is easy to find and conveniently situated near popular landmarks like Northgate Mall and the scenic Chickamauga Lake. Whether you're coming from a nearby neighborhood or just passing through, we're here to serve you with a smile. While members can visit us at 2186 Northgate Park Ln, official correspondence should be sent to the same address as our mailing address is identical. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking to ensure everyone can access our services easily. We invite you to visit us during our welcoming hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Our staff is dedicated to providing you with personalized service whether you need assistance with personal banking, auto loans, or any other financial needs. For added convenience, we have an ATM available on-site for quick cash withdrawals and balance checks. If you're looking for even more flexibility, take advantage of our drive-thru banking option for simple transactions without leaving your vehicle. Plus, if you're a member of one of our partner credit unions, feel free to utilize our shared service center for deposits and withdrawals. If you have any questions or need assistance, don't hesitate to call us at 423-870-7610. We can't wait to help you achieve your financial goals!

Member Eligibility

Joining the Trust family at our branch located at 2186 Northgate Park Ln, Chattanooga, TN 37415, means becoming part of a community that genuinely cares about its members. To be eligible for membership, you should either live, work, worship, or attend school in Hamilton County or have a family member who is already a member. We believe in inclusivity and want to make sure everyone has a chance to experience the benefits we offer, from personalized service to competitive rates on loans and savings accounts. If you're curious about the specific eligibility details, feel free to check out our website at trustfcu.com/membership for the most current information. Opening an account with us is straightforward and welcoming. You can get started easily by visiting this link, or simply give us a call at 423-870-7610 if you have any questions. Our friendly team is here to assist you every step of the way. We look forward to helping you achieve your financial goals as a proud member of Trust!

Business Banking & Commercial Services

Business Loan Options

Imagine having access to funds just when you need them most. Our commercial loans can help you purchase new equipment, hire staff, or even move into a larger location. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, our commitment to supporting businesses is clear.

Merchant Services

In today's fast-paced market, accepting payments should be easy. With our merchant services, you can streamline transactions for your customers be it through credit cards or mobile payments. This means less waiting time and happier clients who appreciate the convenience. While we are currently building our offerings, we're excited about the future of business banking at Trust located at 2186 Northgate Park Ln Chattanooga Tn 37415 in Chattanooga, TN. We invite local businesses to explore how we can partner together for mutual growth! For more details, feel free to call us at (423) 870-7610 or visit our website at https://trustfcu.com/ .

Comprehensive List Of Services

Business Banking Services

For our business members, we offer tailored solutions such as merchant services and business loans that help you thrive in today's competitive market. We understand that running a business requires reliable support, and we are committed to being there for you every step of the way.

Community-Focused Services

We also recognize the importance of community connections. That's why we offer basic ATM access where you can perform withdrawals and balance checks without hassle. Our commitment extends beyond just providing services; it's about building relationships with our members in every interaction. At Trust, we're here to support your financial journey. For any questions about our services or how we can assist you further, don't hesitate to reach out at (423) 870-7610 or visit us in person at 2186 Northgate Park Ln Chattanooga Tn 37415. Ready to take the next step? Explore all that we offer by visiting our website at Northgate Branch today!

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Trust provides robust online and mobile banking options that allow you to manage your accounts from anywhere, anytime. With features like ATM and cash withdrawal services, accessing your money is as easy as tapping your phone or visiting one of our ATMs. Whether you prefer basic drive-thru banking for quick transactions or need assistance with shared branch transactions for partner credit union members, we've made sure that banking with us is straightforward and efficient.

Personal Banking Solutions

When it comes to personal banking, Trust offers a variety of options that can simplify your life. You can open a checking or savings account that fits your lifestyle, making it easy to manage your everyday finances. If you're thinking about buying a car, our auto loans and vehicle financing options are designed to get you on the road quickly and affordably. Need a place to call home? Our mortgage loans and refinancing services make home ownership attainable. If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need. Plus, with our credit cards featuring rewards, every purchase can bring you closer to exciting perks.

Digital & Online Banking

Key Features

Our commitment to convenience doesn't stop there. You can enjoy the benefits of e-statements, allowing you to view your account statements digitally and securely. No more waiting for paper statements in the mail! Additionally, we offer electronic signature authorization, so you can complete necessary paperwork quickly and securely without needing to visit the branch. If you're on the go, you'll love our mobile application. It's designed to give you access to all your banking needs right from your smartphone. Want to make purchases? Our mobile payments feature makes transactions smooth and easy. And for those times when you need to send money quickly to friends or family, our person-to-person transfers let you do just that in seconds.

Security and Accessibility

Security is paramount at Trust. We ensure that all your transactions are protected with advanced security measures so that you can bank confidently. Our digital services are not only secure but also intuitive, making it easy for everyone no matter their tech skills to navigate. In today's fast-paced world, having reliable access to your finances is crucial. With our digital and online banking services, managing your money has never been easier or safer. Experience the freedom of banking at your convenience with Trust!

Financial Strength

Commitment to Growth

With $9,513,094 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 $1,206 in used auto loans and a total of $101,675,645 in loans and leases.

Member-Centric Savings

Members' savings are secured through $41,827,203 in share certificates and $4,692,978 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 net income of $503,861 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 30 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $15,592,174, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.38% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

Total Share Accounts stand at 15,803, showing a strong and growing member base that trusts us with their finances. This growth reinforces our commitment to delivering exceptional value to each member. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Trust is your trusted partner. Visit us at 2186 Northgate Park Ln Chattanooga Tn 37415 or call 423-870-7610 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $17,371,805 in used vehicle loans and $9,487,094 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, our team is here to guide you through the process and ensure you receive the best financing options available.

Conclusion

At Trust, we're committed to supporting our members' financial journeys through accessible and affordable loan products. To learn more about how we can assist you today, give us a call at 423-870-7610 or visit us online at Trust FCU. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let's work together to achieve your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $33,107,478, make buying or refinancing simple. We provide personalized service to help you navigate the complexities of home financing so that you can focus on creating a place to call home.

Refinancing Options

If you're considering refinancing any existing loans whether it's an auto loan or mortgage our knowledgeable staff is ready to assist you in exploring eligibility options tailored specifically for your situation.

Unsecured Credit Card Loans

Managing everyday expenses just got easier with our unsecured credit card loans. We offer flexible terms on these loans to help you manage your finances effectively. Although currently we have $0 in unsecured credit card loans available, we are always exploring ways to enhance our offerings to better serve our members.

Loan Aggregator

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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 means you can trust that the offers presented are fair and transparent.

TRUST FEDERAL CREDIT UNION