Tennessee Valley Federal Credit Union

Overview / Commentary
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 170th largest credit union in the nation. It was established in 1936 and as of June of 2023, it had grown to 465 employees and 178,793 members at 24 locations. Tennessee Valley Federal Credit Union's money market rates are 7X the national average, and it has 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 and Sequatchie, or the Georgia counties of Catoosa, Chattooga, Dade, Gordon, Murray, Walker, or Whitfield.
See current membership details

Reviews (3)


Wonder if this ANONYMOUS posting is from a member, or might it be a competitive bank? We have been members of the TVFCU (formerly TVACU) for 44 years now…YES, 44 years.

We've had personal, business, and estate accounts here. We've gotten help / assistance / advice over the years that banks today don't have the time nor desire to provide. Because it's NOT leveraged, it's a FAR safer place to keep your money. TVFCU doesn't borrow money to loan money…the money for loans comes from the members.

We used to own a real estate brokerage. In that business, we often had clients who would comment how much they appreciated TVFCU…they received help and loans when others wouldn't help. Clearly, TVFCU takes the time to look at each unique situation, and assess risk accordingly.

They have grown substantially since we first joined. In spite of that growth, they have not lost the ability to provide personal service. In reading the review, the poster implies he/she was treated as an 'idiot'..I have to say, I've never witnessed anything but gracious and helpful treatment from any of the employees we've interacted with at various locations. Seems this reviewer knows something about himself/herself that we don't. Additionally, the article that brought me to this negative ANONYMOUS review highlighted the fact that TVFCU boasts an A+ health rating, is #88 out of 6,600 credit unions across the nation HA!

We're proud of our credit union, their impressive track record, their attention to detail, and their interaction with the members. Notice now, ANONYMOUS, that we're signing our names: John and Jo Peckinpaugh

Great Credit Union

I really enjoy banking with Tennessee Valley Federal Credit Union. I have been with them since I got married in 2009 and have been with them ever since, even after moving away from the area where the branches are located. Every time we have been into one of the offices, the customer service has been great. There is one office in particular that we do visit and after one or two visits, they would acknowledge us by name once we walked in which was very impressive, as we don't make it by the branches too often. I have the mobile app on my phone and I love that I get to deposit checks through the mobile app and I don't even have to worry about visiting the branches. We currently have 1 checking out and 2 savings accounts with the credit union. It is very easy to make transfers between the accounts and I have never been charged a fee for making too many transfers (and I make a lot).

Stay Away From This Bank

Posted by: |

Do not use this bank your money will disappear, and you will be treated like you are an idiot. Never get a loan from them you will regret it.


Health Grade Components

NCUA #1520
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.96%
Return on Equity - YTD15.32%
Annual Interest Income$55.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.60B$2.44B
LoansQ2 2023vs Q2 2022$1.90B$1.61B
DepositsQ2 2023vs Q2 2022$2.16B$2.14B
Equity CapitalQ2 2023vs Q2 2022$331.9MM$284.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$11.7MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$8.1MM$4.6MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Tennessee Valley 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.

Tennessee Valley Federal Credit Union Savings Account Rates

3.00%*$100k*-IRA Variable Savings
OTHER TIERS: 2.50% Up to $10k | 2.55% $10k - $25k | 2.70% $25k - $50k | 2.95% $50k - $100k
0.45%--Health Savings Account
0.30%--Share Savings Account
0.30%--Regular Club
0.30%--Christmas Club
0.30%--Freedom Fund Club
0.30%--Business Share Savings Account
0.30%--Business Regular Club

Tennessee Valley Federal Credit Union Money Market Rates

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

0.50%--TVFCU Perks Platinum Checking
0.25%--TVFCU Perks Plus Checking
0.05%--Small Business Checking w/ Dividends
0.05%--Commercial Checking

Tennessee Valley Federal Credit Union CD Rates

5.09%$1k-12 Month CD
5.09%$1k-18 Month CD
5.09%$1k-24 Month CD
5.09%$1k-30 Month CD
5.09%$1k-60 Month CD
5.09%$1k-Business 12 Month CD
5.09%$1k-Business 18 Month CD
5.09%$1k-Business 24 Month CD
5.09%$1k-Business 30 Month CD
5.09%$1k-Business 60 Month CD
5.06%$1k-6 Month CD
5.06%$1k-Business 6 Month CD

Tennessee Valley Federal Credit Union IRA Rates

5.09%$1k-12 Month IRA
5.09%$1k-18 Month IRA
5.09%$1k-24 Month IRA
5.09%$1k-30 Month IRA
5.09%$1k-60 Month IRA
5.06%$1k-6 Month IRA


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