Chattanooga Federal Employees

P.O. Box 22205, Chattanooga, TN 37422

NCUA Insured4.7 (35 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1925

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 Chattanooga, TN 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 1925

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

P.O. Box 22205

Chattanooga, TN 37422

Google Maps 🗺Waze

(423) 892-3738

Service Area

This credit union is located in Chattanooga and serves members in the TN area. Currently serving 2,836 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

4.50%

Used Auto Loan

5.50%

Personal Loan

11.50%

Credit Card APR

12.00%

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 TN

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

Bowater Employees— New Auto Loan

Calhoun, TN

1.99%

Select Seven— Used Auto Loan

Johnson City, TN

4.00%

Cn/Ic Employees— Personal Loan

Memphis, TN

5.00%

Tennessee Employees— Credit Card APR

Nashville, TN

7.90%

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

Branches & Locations(1 total)

Member Reviews

4.7

35 Google reviews

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

View on Google Maps

FaithGiant_Ps91

3 months ago

I have ZERO bad to say about CFECU.. As a matter of fact, these folks and this Credit Union are straight rock stars! 💪🏼 If a different credit union or bank told me they'd give me free donuts and back rubs for a solid year if I'd just switch and join them, I'd tell em to kick rocks. It's a straight pleasure doing business with these kind folks. I can't even begin to give an explanation of what all this establishment has done for me or people would think I'm literally lying, and some may even get jealous... I can't thank Mark, Casey and Kim enough for what they have done for both me and my family..... Straight rock stars. God bless CFECU 🫵🏼💪🏼

Carleetha Jones

11 months ago

Never had a bad experience after beeing a member 8+years until I applied for a loan which I got denied but they left a number for me to call if I had a concern after I was denied. No response No Call back. I hate that part. Very Confused

Soosh Amin

2 years ago

Ms. Kim is an absolute rockstar! She made BOTH of my vehicle purchases so easy, timely, and I am amazed at not only her attention to detail, but flexibility in completing my requests. The entire staff here is amazing, from the front line staff to the CEO, Mark Fraker. I could not be any more satisfied in doing business with this credit union, and I will choose them over any bank, any day, hands down! Thank you CFECU for everything you do for me!

A. A.

4 years ago

Great little gem of a credit union in Chattanooga. Gave me a chance with financing when the larger lenders wouldn't. Actually sincerely care about customers. A year ago I gave a poor review in regards to an issue, but was corrected. I finally figured out how to change my review. I do highly recommend them. Give them a chance!

Matt Miller

7 years ago

This is the absolute best credit union I have ever used!!! The rates are the absolute best in the area hands down!! They treat you like family and not just a number!! The employees really care about their members and you can tell. I really find it hard to believe that some of the reviews are bad about this credit union because they really do whatever they can to help people! Obviously, they can't help everyone, every time because they have their limits and guidelines they have to follow. I can assure you if they can they will!! I love this credit union. I can honestly say this is a credit union that looks at the whole picture and not just a number on a report. I will never use any other bank for a car loan, or home loan. If you have a bad experience ever then talk to someone there. Everyone there is willing to talk to you about your concerns and needs.