Tva Community Credit Union

1405 SOUTH WILSON DAM RD, Muscle Shoals, AL 35661

NCUA Insured3.4 (10 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Muscle Shoals, AL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1936

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1405 SOUTH WILSON DAM RD

Muscle Shoals, AL 35661

Google Maps 🗺Waze

(256) 383-1019

Service Area

This credit union is located in Muscle Shoals and serves members in the AL area. Currently serving 19,939 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.95%

Used Auto Loan

6.95%

Personal Loan

13.50%

Credit Card APR

9.95%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%

Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%

Baldwin County— Personal Loan

Bay Minette, AL

6.99%

Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(10 total)

Member Reviews

3.4

10 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Elizabeth Alderson

a year ago

Do NOT use TVA Credit Union! My debit card has had 6 holds for fraud held over the past year and 3 of these have been in the last few months. I’ve been stranded with no way to pay for gas and my husband had to bring me money bc of a hold on my account for a purchase I made! One purchase was the 3rd payment to an American company that has been in business for 40+ years! They don’t call or text to let me know they have flagged my card and if this happens at night or on a weekend, there is NO after hours number to call! Ask me how I know! I just tried to add my new debit card to my PayPal account and that was flagged! No call or text to let me know. They are just flagging everything and inconveniencing the customer to try and slow down fraudulent charges but they have just lost a customer! TAKE MY ADVICE AND FIND A COMPETENT BANK TO USE because TVA isn’t!

Camille Greider

a year ago

Charged me an overdraft fee on obvious fraud, refused to remove the fee. I changed to Listerhill and have had no problems since. I am writing this review to share my experience and also call them out for HARASSING on Facebook next of kin about deceased loans when they should be contacting our attorney.

Gannon Gann

2 years ago

This is NOT a bank for young or inexperienced banking. Fees are outrageous, protections don't stop the fees, and they still allow bills to pull with no money costing 33 dollars per instance, no limit per day. Other institutions have gotten away from this predatory behavior. I have been a member since before this was even a community credit union. I'm and emergency worker who fell on some hard times during COVID. They, being the only institution I've ever had to rely on, failed me miserably when they couldn't even lend me $5k to help consolidate some high interest debt. I lost my house, ended up with collections and all sorts of other issues, that could've been prevented. Don't expect loyalty to go very far. A superior CCU would be Redstone.

Meghan Neil

2 years ago

Tammie literally saved the day today. She went above and beyond to hop on a three way call with me to resolve an issue with another financial group. She also went above and beyond AGAIN to make sure things were overnighted, accounts were resolved. You don’t get that at a big bank. She deserves every good thing that comes her way.