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

Introduction

Welcome to Trust, your community-focused credit union located at 1529 Gunbarrel Rd, Chattanooga, TN 37421. Since our establishment in 1934, we have been dedicated to providing exceptional financial services to our 8,335 valued members. As a trusted partner in your financial journey, we understand the importance of building strong relationships and empowering our members with the tools they need to succeed. At Trust, we pride ourselves on our solid financial foundation, boasting total assets of $125,835,347 and total deposits of $7,239,710. Our commitment to responsible lending is reflected in our portfolio of 3,392 loans and leases, ensuring that you have access to the funds you need for life's opportunities. Under the leadership of our CEO, David Smart, and Board President, Tony Sanders, we strive for excellence in service delivery while maintaining a net worth of $15,592,174. While members can visit us at our branch for personal banking needs such as checking and savings accounts or auto loans, official correspondence should be sent to the same address: 1529 Gunbarrel Rd, Chattanooga, TN 37421. Our friendly staff is here to assist you from Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We invite you to explore our website at trustfcu.com for more information on membership eligibility and account openings. Whether you're looking for personal loans or business banking solutions, Trust is here to help you achieve your financial goals. Call us today at 423-870-7610 or stop by the branch we look forward to serving you!

Branch History & Mission

Our Journey

From humble beginnings, Trust has evolved from a small credit union into a trusted financial partner. Our journey reflects our commitment to providing personalized banking solutions while fostering a sense of belonging within the community. Throughout the years, we have embraced technological advancements, offering online and mobile banking options that make managing finances easier than ever. Our Gunbarrel Branch is equipped with an ATM and drive-thru service for added convenience. We understand that accessibility is vital; that's why we also offer shared services for partner credit union members. As we continue to grow, we remain focused on enhancing our services while ensuring compliance with ADA standards to serve all members effectively.

Our Mission

At the heart of Trust's mission is our dedication to empowering individuals through responsible financial solutions. We believe that everyone deserves access to quality financial services whether it's personal banking, auto loans, or business financing. Our mission extends beyond transactions; we aim to uplift our community by investing in local initiatives and partnerships that make a real difference. While you can visit us at 1529 Gunbarrel Rd, official correspondence should be sent to 1529 Gunbarrel Rd, Chattanooga, TN 37421. We're here for you Monday through Thursday from 9 AM to 5 PM, Fridays until 6 PM, and Saturdays until 1 PM. Join us at Trust and experience the benefits of being part of a community-focused credit union. Together, we can build a brighter financial future! For more information or to become a member today, please call us at 423-870-7610 or visit our website.

Branch Location & Accessibility

Accessibility Features

At Trust, we understand the importance of accessibility. Our branch is designed to accommodate everyone, with ADA-compliant features including ramps and designated parking spots. Whether you're visiting for a quick transaction or discussing your financial goals with one of our knowledgeable team members, we strive to make your experience as smooth as possible.

Call to Action

Ready to take control of your finances? We invite you to visit us at Trust's Gunbarrel Branch or give us a call at (423) 870-7610. Our friendly staff is excited to help you with all your banking needs!

Operating Hours

We're here for you when you need us! Our lobby hours are Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. These flexible hours mean you can stop by during your lunch break or swing in on a Saturday morning without any hassle.

Services Offered

At the Gunbarrel Branch, we offer a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, our goal is to provide comprehensive solutions under one roof. Plus, enjoy convenient access to our ATM services and drive-thru banking for quick deposits and withdrawals. While members can visit us at 1529 Gunbarrel Rd Chattanooga Tn 37421, official correspondence should be sent to our mailing address at 1529 Gunbarrel Rd, Chattanooga, TN 37421.

Member Eligibility

At Trust, we believe in creating a warm and welcoming community where everyone can thrive. If you're looking to become a member, you'll be pleased to know that eligibility is straightforward and accessible. Whether you live, work, or worship in the Chattanooga area, you're likely to qualify for membership! Our commitment is to serve you better, providing personalized financial solutions tailored just for you. Joining us at our branch located at 1529 Gunbarrel Rd Chattanooga Tn 37421 means gaining access to a range of benefits, from competitive rates on loans to exceptional customer service. The process is simple just visit our website at https://www.trustfcu.com/membership for the most up-to-date criteria and detailed instructions on how to open an account. If you have any questions or need assistance, feel free to give us a call at (423) 870-7610. We're here to help you every step of the way on your journey towards financial well-being!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine a world where your payment processing is as smooth as your customer interactions. Our merchant services enable you to accept payments seamlessly, whether in-store or online. This means less hassle for you and a better experience for your customers, allowing you to focus on what truly matters growing your business. Located at 1529 Gunbarrel Rd Chattanooga Tn 37421 in Chattanooga, TN, we're here to provide the financial support you need to thrive. For more information or to discuss how we can assist your business, call us at (423) 870-7610 today!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For local business owners, Trust offers essential services such as merchant services and business loans. We recognize the challenges of running a business and aim to support you with tools that simplify cash flow management and boost growth potential.

Convenient Access

In today's fast-paced world, accessibility matters. That's why we have an ATM available for quick withdrawals and balance checks. If you prefer face-to-face interactions, our drive-thru banking allows for easy deposits and withdrawals without leaving your car. Additionally, through our partnership with other credit unions, you can conduct basic shared branch transactions if you're a member of a partner institution.

Get Started Today!

With office hours from Monday to Friday (9 AM - 5 PM), Saturday (9 AM - 1 PM), we're here when you need us most. For any inquiries or assistance, feel free to call us at 423-870-7610. Explore all these fantastic services by visiting us online at Trust or come see us in person at our Chattanooga branch. Let's work together towards achieving your financial goals!

Personal Banking Services

Life can be unpredictable, and having access to reliable banking services makes all the difference. At Trust, we offer checking and savings accounts designed to help you manage your day-to-day finances easily. With our online and mobile banking options, you can check balances, pay bills, and transfer money at your convenience. When it comes to financing a vehicle, our auto loans provide competitive rates that make purchasing a new or used car more accessible. We also understand that homeownership is a big step. That's why our mortgage loans and refinancing options are tailored to fit your unique situation, helping you secure the best possible terms. If you find yourself facing unexpected expenses or need to consolidate debt, our personal loans can help put your mind at ease. Plus, don't forget about our credit cards with rewards they're perfect for earning points on everyday purchases while managing your spending effectively.

Digital & Online Banking

Convenient Online Banking Services

With our robust online banking system available at https://trustfcu.com/ , you can check balances, pay bills, and transfer money without having to visit a branch. Enjoy the peace of mind that comes with 24/7 access to your accounts. Plus, our electronic signature authorization feature allows you to complete necessary paperwork from the comfort of your own home no need for in-person visits.

Mobile-Friendly Features

Our commitment to convenience extends to mobile banking as well. With our mobile application, available for both Android and iOS devices, you can manage your accounts right from your pocket. Want to send money to a friend? Use our person-to-person transfer service for quick and easy transactions. And if you prefer using mobile payments, we've got you covered there too just tap and go!

Stay Organized with E-Statements

Keeping track of your finances is easier than ever with e-statements. Say goodbye to paper clutter and access your statements digitally whenever you need them. It's not only convenient but also environmentally friendly! At Trust, we prioritize security so you can bank confidently. Our online services use advanced encryption technology to protect your personal information. With everything at your fingertips from checking account balances to making payments you have full control over your financial life. Experience the future of banking today! Visit us online at https://trustfcu.com/ or download our mobile app and discover how easy it is to manage your finances with Trust.

Financial Strength

Committed Team

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, committed team. Our dedication to member service is unwavering as we strive to provide the best possible experience every time you visit us.

Growing Membership Base

Total Share and Deposit Accounts stand at 15,803, showing a strong and growing member base that trusts us with their finances. This trust allows us to build lasting relationships within the community while providing the services you need. 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 1529 Gunbarrel Rd Chattanooga TN 37421 or call 423-870-7610 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.

Operational Efficiency

Our financial performance is reflected in our net income of $503,861, showcasing our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members.

Reinvestment for Member Benefits

With $9,513,094 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; with $10,167,5645 in total loans and leases and 1,209 used auto loans, we support our members' financial goals across various sectors.

Secure Savings Options

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.

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.

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 brand-new model or a reliable used vehicle, we have options tailored just for you.

Credit Lines and Unsecured Loans

For those looking for flexibility in managing finances, we provide total credit lines amounting to $44,206,901. Additionally, we also offer unsecured credit card loans with flexible terms; however, there are currently no outstanding amounts in this category. This means you can count on us when you need quick access to funds without tying up your assets.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $33,107,478, making it easier for you to invest in your future.

Refinancing Options

If you're considering refinancing existing loans or want to explore eligibility options for our various products, our team is ready to help. We believe in providing personalized service so that you can find the best solution tailored to your financial situation. 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 Trust, our mission is to support our members' financial journeys with transparent and accessible lending options. Whether you're taking out a loan for a new car or considering your first mortgage, we're here to ensure that your experience is smooth and straightforward. Reach out today to learn more about how we can assist you!

Loan Aggregator

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