Back to Spring Hill credit unions

Family Advantage

P.O. Box 39, Spring Hill, TN 37174
NCUA Insured3.4 (120 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1997

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

Location & Directions

Address

P.O. Box 39

Spring Hill, TN 37174

Service Area

This credit union is located in Spring Hill and serves members in the TN area. Currently serving 7,224 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

4.99%

Used Auto Loan

4.99%

Personal Loan

8.65%

Credit Card APR

9.90%

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(4 total)

Member Reviews

3.4

120 Google reviews

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

View on Google Maps
A.L. Hamilton

A.L. Hamilton

3 months ago

I am extremely disappointed by the unprofessional and abrasive behavior displayed by the notary at Federal Credit Union in Spring Hill. From the beginning, the tone was sharp, dismissive, and unnecessarily confrontational. There was no effort to provide basic courtesy or create a respectful environment. What should have been a routine notary service became uncomfortable due to the cold and unwelcoming demeanor. Most concerning was the way she addressed my elderly mother. The lack of patience, warmth, and respect shown toward her was unacceptable and frankly disturbing. Elderly customers deserve dignity — not condescension. I left aghast at how she was spoken to. Professionalism and member care should be the standard in a financial institution. This experience fell far below that standard. As a result, I will not be returning, and I will be advising my mother to move her account elsewhere. That is how strongly I feel about the treatment we received.

Makayla Morrical

Makayla Morrical

4 months ago

Alesha is truly amazing and an absolute rockstar! She helped me through my loan when I had a wreck and getting approval on my new car loan! She worked hard and was great at communicating with me through it all!

Richard Conover

Richard Conover

5 months ago

Staff members—from entering the lonby-were enthusiastice in their welcoming attitudes, upbeat greeting and meeting service expectation! Despite the busy day, the rep who handled my request seemed to set the standard for the team to emulate.

Miranda Sebright

Miranda Sebright

5 months ago

After years of using this credit union for loans I will be moving my services elsewhere as soon as possible. Whether you are on time for a payment, or even within a payment’s grace period, they’ll call you for a payment regardless of if you’re already current and harass you as if you’re late. Multiple times I have made payments both calling and trying their online system and they still call multiple times in the same day when I am current and payments are not even due yet, to ask me for more damn money. Their new payment system doesn’t record it I guess, because I definitely paid a payment yesterday and HAVE THE E RECIEPT yet they have called me twice today for yet another payment on something that is not even due yet?! It’s a week before Christmas and you’re harassing people for bills not even due? I will be selling my current vehicle to get into another car as I planned and then I will be taking any loan business PERMANENTLY ELSEWHERE. I learned long ago not to bank with yall, you just take money for loans out of peoples accounts whenever you wanted when they weren’t even due yet, that’s why you don’t get my business on that. Yall are now becoming loan sharks at this point, and not even when bills are due yet. That oughtta lose you more business than just mine.

gary corr

gary corr

4 months ago

Jessica Gonzalez helped me tremendously! She is very professional, courteous, pleasant and makes my banking with Family Advantage an easy task!!!

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).