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 104th largest credit union in the nation. It was established in 1951 and as of June of 2018, it had grown to 508 employees and 190,951 members at 26 locations. Ascend Federal Credit Union's money market rates are 4X 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 Tennessee Nature Conservancy ($25 one-time contribution). Membership is also open to those who live in a 25-mile radius of an Ascend branch and join the 50plus Club ($10 membership fee), and to employees, volunteers, or church members of one of the over 200 Select Employer Groups.
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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 - YTD1.17%
Return on Equity - YTD7.16%
Annual Interest Income$40.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$2.37B$2.07B
LoansQ2 2018vs Q2 2017$1.83B$1.44B
DepositsQ2 2018vs Q2 2017$1.80B$1.69B
Equity CapitalQ2 2018vs Q2 2017$381.1MM$356.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$10.8MM$6.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$8.5MM$5.6MM
Real Estate OwnedQ2 2018vs Q2 2017$34.00K$641.00K
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Always verify rates and promotions with the bank or credit union. We are not Ascend 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.

Ascend Federal Credit Union Savings Account Rates

1.76%*$25k*-Health Savings Account
OTHER TIERS: 0.25% $1k - $5k | 1.00% $5k - $10k | 1.26% $10k - $25k
0.25%--Share Accounts

Ascend Federal Credit Union Money Market Rates

1.56%*$300k*-Money Market Account
OTHER TIERS: 0.25% Up to $2.5k | 0.90% $2.5k - $50k | 1.16% $50k - $150k | 1.41% $150k - $300k

Ascend Federal Credit Union Checking Account Rates

0.10%--Preferred Share Draft

Ascend Federal Credit Union CD Rates

3.04%$1k-60 Month Share Certificate
2.84%$1k-48 Month Share Certificate
2.78%$1k-36 Month Share Certificate
2.68%$1k-24 Month Share Certificate
2.32%$1k-18 Month Share Certificate
2.22%$500-12 Month Share Certificate
2.22%$1k-15 Month Member's Advantage Share Certificate
1.81%$500-6 Month Share Certificate

Ascend Federal Credit Union IRA Rates

3.04%$1k-60 Month IRA Share Certificate
2.84%$1k-48 Month IRA Share Certificate
2.78%$1k-36 Month IRA Share Certificate
2.68%$1k-24 Month IRA Share Certificate
2.32%$1k-18 Month IRA Share Certificate
2.22%$500-12 Month IRA Share Certificate
1.81%$500-6 Month IRA Share Certificate
1.00%$5-12 Month Variable IRA Share Certificate


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