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Healthcare Services

946 E 3RD ST, Chattanooga, TN 37403
NCUA Insured4.2 (12 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1952

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

Location & Directions

Address

946 E 3RD ST

Chattanooga, TN 37403

Google Maps🗺Waze
(423) 242-4728

Service Area

This credit union is located in Chattanooga and serves members in the TN area. Currently serving 3,116 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

6.29%

Used Auto Loan

6.55%

Personal Loan

12.75%

Credit Card APR

8.99%

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(2 total)

Member Reviews

4.2

12 Google reviews

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

View on Google Maps
Charla Jordan

Charla Jordan

10 months ago

Ive been with the credit union when my mom suggested me to join probably around high school. 1982.until current day. I have never had an issue, or misunderstanding. Everyone makes every transaction and other concerns very clear. I appreciate the great work.Erlanger credit union..U ROCK!!!!lol

Kenneth Mitcham

Kenneth Mitcham

6 years ago

Honestly, the best banking institution I've worked with. They are friendly and are willing to work with you in a bind. If you need to establish credit, they by far are the best option you will have. You will not be disappointed with Lacey or any of the other staff.

Brad Scott

Brad Scott

a year ago

Too many fees 10 dollars to change my PIN / new debit card is too much. This place will nickel and dime you with all the fees the impose.

Mike Coffey

Mike Coffey

3 years ago

This credit union goes above and beyond. Everyone who works there is very nice and very professional. You can’t go wrong with this credit union!

Chip

Chip

2 years ago

If Veronica answers the phone, just ask for another customer rep. She’s way out of pocket, and she has a bad attitude problem towards the people that trust this credit union with their money. It’s not a good look.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).