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Tennessee Valley

PO Box 23967, Chattanooga, TN 37422
NCUA Insured3.3 (49 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

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

Location & Directions

Address

PO Box 23967

Chattanooga, TN 37422

Service Area

This credit union is located in Chattanooga and serves members in the TN area. Currently serving 174,941 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

4.74%

Used Auto Loan

5.74%

Personal Loan

18.00%

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).

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

Branches & Locations(30 total)

Member Reviews

3.3

49 Google reviews

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

View on Google Maps
Shrek The Onion

Shrek The Onion

6 months ago

I have been a member of TVFCU for about 10 years now, and since they introduced these virtual tellers, I’ve dealt with many helpful, and kind tellers. Through all of them, I’ve never really had a complaint - which is what most people only ever leave reviews for. There’s one teller who, to me, stands out above the rest, and I’m blessed every time I get her that day. Hannah H., who I wish I was connected with more during my early morning stops, is family at this point. It’s as if she sees my name and is already full of energy, and ready to make me feel like I’m actually part of a credit union that is run by the members. Her funny pet names like “pookie”, and other variations, crack me up every time I hear them. I just wanted to say that, as long as she’s part of your team, I will always be a member. P.s.- Make more of your long-term/older members happy, and move this young lady to the morning shift!

Steve Creswell

Steve Creswell

10 months ago

TVFCU has ALWAYS been the first with the latest at the best value. I have been a member since the 80's and they were the first to protect against overdraft fees, the first to allow withdrawal on a deposit, the first with remote banking and extended and weekend banking. You don't even know how good you can have it until TVFCU comes up with another great innovative benefit. Thanks, TVFCU!

Carissa Walton

Carissa Walton

10 months ago

Andy at TVFCU was incredibly diligent and helpful in solving a major issue I had with an early auto loan pay off. This involved collaborating with two other institutions who had made errors with my money that inaccurately sent for pay off. Although this was not Andy’s fault, nor TVFCU’s, they still worked to get it solved for me! Thank you!

Fred Carroll

Fred Carroll

5 months ago

Update 12/2025 - I had to argue with TVFCU to get the insurance fee removed after I paid the entire amount. They just thought it was part of my car payment. What a bunch of mess this place is. Original review - Any good will I had with TVFCU was soured by their third-party insurance verification system, Allied. We bought a car using a TVFCU auto loan in July, 2024. Got the auto insurance set up the next day. September we received a letter asking for the insurance policy information or being enrolled in their four times the price insurance, which we provided. Starting in November, 2024, they started sending threatening letters. I went in person to several branches, called the "insurance verification service", called corporate offices, and my insurance agent called several times on my behalf. I was told, at the time, the problem was having TVFCU as the lienholder on the insurance, which it was. And all parties verified it was the problem, both in person and on the phone. Today, six months later, turns out all those phone calls and office visits were lies. For the first time, today, I was told the issue was something else. Six months of lies, six months of fighting something that I would have just fixed six months ago if I was told the truth at the time. Six months of the staff saying "yes, we are fixing the problem". Six months of being told the problem "we just need to make sure the lienholder is in your policy" instead of saying "this is the real problem". Six months of calling Allied and being told "yes, the lienholder is TVFCU and we will remove the insurance charge". Six months of just flat out lies. If your staff and contactors can't be honest about something this simple, what else will they try to cover up? If you use TVFCU, make sure you keep good notes and document everything.

Enrique Batista

Enrique Batista

10 months ago

Thank you so much Andy! You have gone above and beyond in helping us. You have been very helpful and knowledgeable in directing us through our loan issue. We really appreciate all the time you put into our issue at hand. All of the staff at Tennessee Valley in the loan department are amazing. They have been readily available, pleasant, and super helpful. Highly recommend TVFCU with all your future loan needs.

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).