Tennessee Members 1st
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1946
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 Oak Ridge, 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
1 charter
Established in 1946
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Oak Ridge and serves members in the TN area. Currently serving 4,483 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 · NCUAKey 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
5.24%Used Auto Loan
7.24%Personal Loan
13.75%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).
Calhoun, TN
Johnson City, TN
Memphis, TN
Nashville, TN
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(2 total)
Member Reviews
3.8
22 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Frances Borgers
5 years ago
Would not recommend My family had used this credit union for well over 35 years they even opened an account for me when I was born. We live in Norris and yet we were more than willing to drive here. No longer! A shocking number of inconsistencies and discrepancies over the last few years along with a eager willingness to nickel and dime their members has broken the loyalty I had (through living in 4 other states!) in this organization. I closed my account and took my money elsewhere. Edit additional info: I spoke with a Branch Manager before closing my account. Forgot to mention in my original post that in spite of having signed up multiple times for paperless statements I would continue to receive monthly paper statements. And now that I have no longer been a member of this credit union for some time I am still receiving email updates which seems very peculiar to me.
Lynn Wilkinson
2 years ago
Their on-line banking is the worst I've ever experienced. I established a username and p/w......when I tried logging in it said "information isn't verifiable " use "recover". Recover said I was already enrolled ....... SIGH!!!! Tried ever iteration and action I could think of....45 minutes of my life gone foever. SO.......FOR THE LOVE OF GOD USE Y-12 OR TVA OR YOUR MATTRESS BEFORE.MEMBERS FIRST!!!!!!
Demi Jean Gregory
2 years ago
10/10 do not recommend. Do yourself a favor and go to any other credit union. You will thank yourself in the long run when you aren’t treated like road kill.
Michael Waters
11 years ago
The worst financial institution I have had the dissatisfaction of dealing with. They have falsely reported on my credit report on multiple occasions and refuse to fix the latest errors even though their records show I'm correct. They lack proper training and are unwilling to work with paying customers. I want to warn people they are wolves in sheep's clothing.
Fuad Accawi
6 years ago
A perfectly fine credit union with free checking accounts. We don't have a lot of other financial dealings with them but we have generally been happy with them over the last 20 years.
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).
Key Information
Phone
(865) 482-4343Website
Visit WebsiteMembers
4,483
Total Assets
$97.9M
Year Opened
1946
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile