Credit union · NCUA insured
Chattanooga First Federal Credit Union
A $26M credit union headquartered in Chattanooga, TN, with 1,492 members and 1 branch in Tennessee. Best rates: CDs 3.00% APY.
Chattanooga First Federal Credit Union Carrot Score
61
Carrot Score
Higher than 3% of U.S. banks and credit unions
#24 of 28 in Chattanooga, TN-GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chattanooga First Federal Credit Union
Chartered in 1961 as U.S. Pipe (Chattanooga) Federal Credit Union to serve U.S. Pipe and Foundry employees and families, the credit union was renamed Chattanooga First Federal Credit Union in 2004.
Headquartered in Chattanooga, Tennessee, the member-owned institution serves individuals and businesses located or operating in Hamilton County.
- Headquarters
- 3120 Broad St, Chattanooga, TN 37408-3095
- NCUA charter
- 14725
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who does business regularly in Hamilton County, TN is eligible to join.
- Anyone who lives in Hamilton County, TN is eligible to join.
- Anyone who works in Hamilton County, TN is eligible to join.
Military, government and schools
- Anyone who attends school in Hamilton County, TN is eligible to join.
Other ways
- Any business or legal entity located in Hamilton County, TN is eligible to join.
Cost to join
- A $25 deposit is required to open a Savings/Share Account.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Chattanooga First FCUMain office3120 Broad St, Chattanooga, TN 37408Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.22% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $68 | $59 | — |
- CapitalNet worth ratio22.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.22%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$68Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Chattanooga First Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.