Credit union · NCUA insured
Tennessee Members 1st Federal Credit Union
A $98.3M credit union headquartered in Oak Ridge, TN, with 4,465 members and 2 branches in Tennessee. Best rates: CDs 4.25% and savings 1.50% APY.
Tennessee Members 1st Federal Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#4 of 32 in Knoxville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tennessee Members 1st Federal Credit Union
Chartered by the federal government in 1946, Tennessee Members 1st Federal Credit Union was originally established to serve employees of the Department of Energy.
The credit union received a community charter for Anderson, Knox, and Roane counties in 2005 and earned CDFI designation in 2020.
- Headquarters
- 112 Administration Rd, Oak Ridge, TN 37830
- NCUA charter
- 5318
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Everyone who lives, works, worships, or attends school in Anderson, Knox, and Roane counties is eligible for membership.
Cost to join
- Membership requires opening a savings account with a minimum initial deposit of $5.00.
Branches
2 branches in Tennessee
Loading map…
Tennessee
2 branches
- TN Members 1ST FCUMain office112 Administration Rd, Oak Ridge, TN 37830Directions
- TN Members 1st FCU - Knoxville112 Market Place Blvd, Knoxville, TN 37922Directions
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 | 11.56% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.01% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio11.56%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.01%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ 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 Tennessee Members 1st 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.