Featured Savings Rates
Featured Accounts

Ascend Federal Credit Union

Popular Accounts at this Credit Union

1.46%5-year CD60 Months Share Certificate
1.00%3-year CD36 Months Share Certificate
0.65%18-month CD15 Month Member's Advantage Share Certificate

Overview / Commentary
520 Airpark Dr
Tullahoma, TN 37388

Ascend Federal Credit Union is headquartered in Tullahoma and is the 2nd largest credit union in the state of Tennessee. It is also the 111th largest credit union in the nation. It was established in 1951 and as of June of 2016, it had grown to 362 employees and 167,852 members at 19 locations. Ascend Federal Credit Union's money market rates are 36% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Ascend Federal Credit Union is open to anyone through a membership in The Nature Conservancy ($25 one-time contribution). Membership is also open to select underserved areas, including all of Franklin County and select areas of utherford, Davidson, Maury and Marshall counties, through employment with a select employer group member or through a family member.
See current membership details

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Reviews (3)

A Satisfied Member

After using banks for years, I began using Ascend when my income plummeted in 2008. Banks required a $50 deposit to open an account; Ascend only asked for $5. As for fees, they are more economical than the banks I formerly used. And their customer service has always been excellent regardless of the status of my accounts.
Continue growing and improving. I'm a member for life.

good cu

Posted by: sput | Apr 24, 2014

Great website. Easy to pay bills. Good customer service. That's good enough for me.

Mediocre Bank

Posted by: Jhnjy | Dec 1, 2012

I have been a member of Ascend FCU for 10+ years before they changed their name to Ascend. Over the past couple of years things have been changing. Their customer service is getting worse and they started to charge a monthly fee for checking accounts. I have since changed banks but Ascend used to be a good bank but not any longer.


Health Grade Components

NCUA #7397
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD7.02%
Annual Interest Income$28.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.93B$1.77B
LoansQ2 2016vs Q2 2015$1.19B$989.2MM
DepositsQ2 2016vs Q2 2015$1.57B$1.45B
Equity CapitalQ2 2016vs Q2 2015$336.2MM$304.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$4.9MM$4.4MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$3.5MM$2.7MM
Real Estate OwnedQ2 2016vs Q2 2015$505.00K$850.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ascend Federal Credit Union Savings Account Rates

1.71%*$25k*-Health Savings Account
OTHER TIERS: 0.20% $1k - $5k | 0.95% $5k - $10k | 1.21% $10k - $25k
0.20%--Share Accounts

Ascend Federal Credit Union Money Market Rates

0.60%*$500k*-Money Market Account
OTHER TIERS: 0.30% $2,500 - $150k | 0.40% $150k - $300k | 0.50% $300k - $500k

Ascend Federal Credit Union Checking Account Rates

0.10%--Preferred Share Draft

Ascend Federal Credit Union CD Rates

1.46%$1k-60 Months Share Certificate
1.00%$1k-36 Months Share Certificate
0.80%$1k-30 Months Share Certificate
0.75%$1k-24 Months Share Certificate
0.70%$1k-18 Months Share Certificate
0.70%$50-36 Month Variable Home Savings Certificate
0.65%$5k-15 Month Member's Advantage Share Certificate
0.50%$1k-12 Months Share Certificate
0.45%$50-12 Month Variable Special Savings Certificate
0.40%$1k-6 Months Share Certificate
0.40%$500-6 Month Basic Certificate
0.35%$1k-3 Months Share Certificate

Ascend Federal Credit Union IRA Rates

0.95%--12 Month Variable IRA Share Certificate
0.80%$1k-30 Months IRA Share Certificate
0.70%$1k-18 Months IRA Share Certificate
0.50%$1k-12 Months IRA Share Certificate
0.40%$1k-6 Months IRA Share Certificate
0.35%$1k-3 Months IRA Share Certificate

Ascend Federal Credit Union has 19 locations. Click to view all Ascend Federal Credit Union locations.