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Tennessee Valley Credit Union

Overview
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Tennessee Valley Credit Union is a federal credit union based in Chattanooga, Tennessee. It has been opened since 1936, for 84 years.

With around $1,445,780,000 in assets, Tennessee Valley Credit Union is considered to be a very large credit union. It has 18 branches and 18 ATM locations.

About
Address Po Box 23967
Chattanooga, Tennessee 37422
Website http://tvfcu.com
Phone (423) 634-3600
Fax (423) 634-3588
CEO Todd Fortner
President of the Board David Longmire
Services Offered
Map
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Score Card
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84 years
Years in business
Opened in 1936
Well Capitalized
Net worth classification
Source: NCUA
142,476 members
Membership type: Community credit union
Above average number of members
407:1
Credit union member to staff ratio
407 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$1,445,783,154
Total assets
Above average
18 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
0.35%
Savings interest rate
Compared to 0.3% nationally
Branches
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18 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
Tennessee Valley Credit Union Branch Locations

Tennessee Valley Credit Union: North Cleveland Branch
180 Stuart Xing NE
Cleveland, Tennessee 37312
ATM Available
Tennessee Valley Credit Union: Coc Branch
1101 Market Street
Chattanooga, Tennessee 37402
No ATM
Tennessee Valley Credit Union: Highway 58 Branch
4974 Highway 58
Chattanooga, Tennessee 37416
ATM Available
Tennessee Valley Credit Union: Hamilton Place Branch
7442 Commons Boulevard
Chattanooga, Tennessee 37421
ATM Available
Tennessee Valley Credit Union: Chattanooga - Admin
535 Chestnut Street
Chattanooga, Tennessee 37402
No ATM
Tennessee Valley Credit Union: Downtown Chattanooga Branch
715 Market Street
Chattanooga, Tennessee 37402
ATM Available
Tennessee Valley Credit Union: Ooltewah Branch
6007 Relocation Way
Ooltewah, Tennessee 37363
ATM Available
Tennessee Valley Credit Union: Kimball Branch
405 Dixie Lee Center Road
Kimball, Tennessee 37347
ATM Available
Tennessee Valley Credit Union: Hixson Branch
5150 Austin Road
Hixson, Tennessee 37343
ATM Available
Tennessee Valley Credit Union: South Cleveland Branch
2440 Treasury Drive SE
Cleveland, Tennessee 37323
ATM Available
Tennessee Valley Credit Union: East Hamilton Food City
1667 Ooltewah Ringgold Road
Ooltewah, Tennessee 37363
ATM Available
Tennessee Valley Credit Union: Red Bank Food City
3901 Dayton Boulevard
Red Bank, Tennessee 37415
ATM Available
Tennessee Valley Credit Union: Soddy Daisy Branch
9381 Dayton Pike
Soddy Daisy, Tennessee 37379
ATM Available
Tennessee Valley Credit Union: Fort Oglethorpe Branch
200 Alamar Street
Fort Oglethorpe, Georgia 30742
ATM Available
Tennessee Valley Credit Union: Rhea County Branch
420 Market Street
Dayton, Tennessee 37321
ATM Available
Tennessee Valley Credit Union: Athens Branch
1314 Decatur Pike
Athens, Tennessee 37303
ATM Available
Tennessee Valley Credit Union: Eastgate Branch
491 Greenway View Drive
Chattanooga, Tennessee 37411
ATM Available
Tennessee Valley Credit Union: Ringgold Branch
35 Poplar Springs Road
Ringgold, Georgia 30736
ATM Available
Members
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142,476 members
Membership type: Community credit union
Above average number of members

With 142,476 members, the Tennessee Valley Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 97% of credit unions.

Fees
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$64
Average fee per member
The average fee per member at the Tennessee Valley Credit Union is $64, which is high compared to most credit unions. This rate is higher than 62% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Tennessee Valley Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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407:1
Credit union member to staff ratio
407 per each FTE employee
Compared to 411:1 nationally
Fewer staff
350 staff members
FTE (full-time equivalent)
12% of employees are part-time
327 full-time, 46 part-time

Tennessee Valley Credit Union has 327 full-time staff members and 46 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 88% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Tennessee Valley Credit Union has around 407 members per staff, a higher ratio compared to other credit unions.

Assets
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$1,445,783,154
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
13.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$19,644
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 91% of credit unions.

Tennessee Valley Credit Union holds a total of $1,123,080,000 in loans and leases, which is about $19,644 per member on average.

Savings interest rate
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0.35%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Tennessee Valley Credit Union pays 0.35%.

Loan rates
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12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
12.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.59%
New car loan rate
Compared to 4.0% nationally
4.09%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.00%
Other real estate loan rates
Compared to 0.9% nationally