Alcoa Tenn Federal Credit Union

Overview / Commentary
124 N Hall Rd
Alcoa, TN 37701

Alcoa Tenn Federal Credit Union is headquartered in Alcoa and is the 20th largest credit union in the state of Tennessee. It is also the 872nd largest credit union in the nation. It was established in 1936 and as of December of 2023, it had grown to 77 employees and 25,508 members at 5 locations. Alcoa Tenn Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, or worship in Blount, Loudon, or Monroe Counties.
See current membership details

Reviews (1)

No Longer Customer Friendly. Dishonest.

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II have banked with ATFCU for over 25 years but finally followed through on my vows to switch to another bank. The people no longer provide a "personal" banking experience.  They are dishonest.  They process transactions in an order that ensures NSF fees that would not be applicable if transactions were processed in chronological order.  They have a policy of holding out-of-state checks for a week.  I think that is reasonable.  However, I recently had a cashiers check from out-of-state and they held it for a week.  Never mind the fact that I had banked with them for years.  Not to mention that a cashiers check is basically cash! They wanted to make money on my cash.  It was at that time that I decided to go through the pain of switching automatic payments to another bank.  It was a hassle well worth it. At my new bank, I am treated like a person, not an opportunity to make a buck. 


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Health Grade Components

NCUA #1509
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD14.09%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$378.6MM$366.2MM
LoansQ4 2023vs Q4 2022$231.4MM$221.2MM
DepositsQ4 2023vs Q4 2022$337.4MM$331.8MM
Equity CapitalQ4 2023vs Q4 2022$39.2MM$32.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.2MM$179K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.3MM$382K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Alcoa Tenn Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alcoa Tenn Federal Credit Union Savings Account Rates

0.15%$5-Club Accounts
0.15%$5-Business Share/Savings
0.15%--IRA Share Account

Alcoa Tenn Federal Credit Union Money Market Rates

1.25%*$25k*-Money Market Investment
OTHER TIERS: 0.25% Up to $10k | 1.00% $10k - $25k
1.25%*$25k*-Business Money Market
OTHER TIERS: 0.25% Up to $10k | 1.00% $10k - $25k

Alcoa Tenn Federal Credit Union Checking Account Rates

0.05%--Share Draft/Checking
0.05%--Tenn Plus Checking
0.05%$2.5k-Business Share Draft/Checking

Alcoa Tenn Federal Credit Union CD Rates

5.25%$1k-7 Month Share Certificate Special
5.25%$1k-11 Month Share Certificate Special
2.00%$1k-30 Month Share Certificate
2.00%$1k-36 Month Share Certificate
1.75%$1k-18 Month Share Certificate
1.75%$1k-24 Month Share Certificate
1.50%$1k-6 Month Share Certificate
1.50%$1k-12 Month Share Certificate
0.25%$1k-3 Month Share Certificate

Alcoa Tenn Federal Credit Union IRA Rates

5.25%$1k-7 Month IRA Special
5.25%$1k-11 Month IRA Special
2.00%$1k-30 Month IRA Share Certificate
2.00%$1k-36 Month IRA Share Certificate
1.75%$1k-18 Month IRA Share Certificate
1.75%$1k-24 Month IRA Share Certificate
1.50%$1k-6 Month IRA Share Certificate
1.50%$1k-12 Month IRA Share Certificate

Alcoa Tenn Federal Credit Union Locations
Branch Office425 Foothills Mall DrMaryville, TN 37801-2324
Branch Office124 N Hall RdAlcoa, TN 37701-2648
Branch Office160 Deer XingVonore, TN 37885-2133
Branch Office2511 US Highway 411 SMaryville, TN 37801-8636
Branch Office2746 E Broadway AveMaryville, TN 37804-2557

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