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Tennessee Valley Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.tvfcu.com
423-634-3600
535 Chestnut St
Chattanooga, TN 37402

Tennessee Valley Federal Credit Union is headquartered in Chattanooga and is the 5th largest credit union in the state of Tennessee. It is also the 163rd largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 504 employees and 168,303 members at 27 locations. Tennessee Valley Federal Credit Union's money market rates are 7X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Tennessee Valley Federal Credit Union is open to those who live, work, volunteer, attend school or worship in the Tennessee counties of Bledsoe, Bradley, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea, or Sequatchie, or the Georgia counties of Catoosa, Chattooga, Dade, Gordon, Murray, Walker, or Whitfield. Immediate family members are also eligible for the membership.
See current membership details

Reviews

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Health
A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #1520
Year Chartered1936
Employees504
Primary Regulator
Profit Margin
Return on Assets - YTD1.7%
Return on Equity - YTD11.74%
Annual Interest Income$144.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.86B$2.62B
LoansQ4 2024vs Q4 2023$2.02B$1.94B
DepositsQ4 2024vs Q4 2023$2.43B$2.17B
Equity CapitalQ4 2024vs Q4 2023$407.3MM$358MM
Loan Loss AllowanceQ4 2024vs Q4 2023$18.3MM$15.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$18.3MM$10.9MM
Real Estate OwnedQ4 2024vs Q4 2023$331K$14K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/27/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Tennessee Valley Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$0-Health Savings Account
0.30%$0-Share Savings Account
0.30%$0-Regular Club
0.30%$0-Christmas Club
0.30%$0-Business Share Savings Account
0.30%$0-Business Regular Club

Tennessee Valley Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.10%*$200k*-Business Money Market
OTHER TIERS: 2.50% → $2.5k - $10k | 2.55% → $10k - $25k | 2.70% → $25k - $50k | 2.95% → $50k - $100k | 3.00% → $100k - $150k | 3.05% → $150k - $200k
3.00%*$100k*-Money Market Account
OTHER TIERS: 2.50% → $2.5k - $10k | 2.55% → $10k - $25k | 2.70% → $25k - $50k | 2.95% → $50k - $100k

Tennessee Valley Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-TVFCU Perks Platinum Checking
0.25%$0-TVFCU Perks Plus Checking
0.05%$0-Small Business Checking w/ Dividends
0.05%$0-Commercial Checking

Tennessee Valley Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$1k-6 Month CD
4.15%$1k-Business 6 Month CD
4.00%$1k-12 Month CD
4.00%$1k-18 Month CD
4.00%$1k-Business 12 Month CD
4.00%$1k-Business 18 Month CD
3.75%$1k-24 Month CD
3.75%$1k-Business 24 Month CD
3.00%$1k-30 Month CD
3.00%$1k-60 Month CD
3.00%$1k-Business 30 Month CD
3.00%$1k-Business 60 Month CD

Tennessee Valley Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$1k-6 Month IRA
4.00%$1k-12 Month IRA
4.00%$1k-18 Month IRA
3.75%$1k-24 Month IRA
3.00%*$100k*-IRA Variable Savings
OTHER TIERS: 2.50% → $0 - $10k | 2.55% → $10k - $25k | 2.70% → $25k - $50k | 2.95% → $50k - $100k
3.00%$1k-30 Month IRA
3.00%$1k-60 Month IRA
Locations

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