Credit union · NCUA insured
EPB EMPLOYEES CREDIT UNION
A $39M credit union headquartered in Chattanooga, TN, with 2,486 members and 3 branches in 2 states. Best rates: CDs 3.95% and savings 2.00% APY.
EPB EMPLOYEES CREDIT UNION Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#9 of 28 in Chattanooga, TN-GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About EPB EMPLOYEES CREDIT UNION
Operating since 1954, EPB Employees Credit Union serves members in and around the Chattanooga, Tennessee area.
The member-owned credit union is headquartered in Chattanooga, Tennessee.
- Headquarters
- 1500 McCallie Ave, Chattanooga, TN 37404-2937
- NCUA charter
- 60619
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of current contractors of EPB & TAW are eligible for membership.
- Employees of the EPB Employees Credit Union are eligible for membership.
- Employees of EPB & TAW are eligible for membership.
- Retirees of EPB & TAW are eligible for membership.
Family and household
- Family of employees of EPB Employees Credit Union are eligible for membership.
- Family members (grandparents, parents, siblings, children, and grandchildren) of employees or retirees of EPB & TAW are eligible for membership.
Cost to join
- For babies up to six months of age, joining is free: the $1 processing fee is waived and the Credit Union starts the share account with the first $30.
- A one dollar processing fee is required for membership/ownership.
- A minimum initial deposit of $30 (6 shares at $5 par value each) into a primary share account is required for membership/ownership.
Branches
3 branches in 2 states
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Tennessee
2 branches
- Main OfficeMain office1500 McCallie Ave, Chattanooga, TN 37404Directions
- Downtown Branch10 Martin Luther King Blvd Fl Second, Chattanooga, TN 37402Directions
Wisconsin
1 branch
- Portico - Fiserv Financial Services255 Fiserv Dr, Brookfield, WI 53045Directions
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 | 11.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 8.72% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $41 | $59 | — |
- CapitalNet worth ratio11.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late8.72%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$41Peers’ 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 EPB EMPLOYEES CREDIT UNION are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.