Credit union · NCUA insured
Tennessee Valley Federal Credit Union
Top CarrotA $3.2B credit union, the 156th largest of 4,329, headquartered in Chattanooga, TN, with 178,561 members and 29 branches in 2 states. Best rates: CDs 4.50% and savings 2.55% APY.
Tennessee Valley Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#4 of 28 in Chattanooga, TN-GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Tennessee Valley Federal Credit Union
Founded in 1936, Tennessee Valley Federal Credit Union is a member-owned financial cooperative that began when 57 Tennessee Valley Authority employees pooled $500.
The credit union serves 17 counties across Tennessee and Georgia, including Hamilton, Bradley, and Catoosa counties.
- Headquarters
- 535 Chestnut St, Chattanooga, TN 37402
- NCUA charter
- 1520
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Businesses or organizations operating within TVFCU's 17-county region are eligible for membership.
- Individuals who live, work, worship, volunteer, or attend school in TVFCU's 17-county community are eligible for membership.
Employers and groups
- Members of the Chattanooga Audubon Society are eligible for membership.
Family and household
- Individuals who have a family member who is already a TVFCU member are eligible for membership.
- Individuals who share a household with a member, including domestic partners or live-in relatives, are eligible for membership.
- Individuals temporarily away from the household (such as a student or military service member) are eligible for membership.
Cost to join
- TVFCU does not charge a membership fee.
Branches
29 branches in 2 states
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Tennessee
21 branches
Chattanooga area · 15
- Chattanooga - AdminMain office535 Chestnut St, Chattanooga, TN 37402Directions
- City Center Branch728 Market St, Ste 112B, Chattanooga, TN 37402Directions
- East Ridge Food City3636 Ringgold Rd, Chattanooga, TN 37412Directions
- Eastgate Branch491 Greenway View Dr, Chattanooga, TN 37411Directions
- Hamilton Place Branch7442 Commons Blvd, Chattanooga, TN 37421Directions
- Highway 58 Branch4974 Highway 58, Chattanooga, TN 37416Directions
- Lee Highway Food City6651 Lee Hwy, Chattanooga, TN 37421Directions
- Southside Branch125 W 20th St, Chattanooga, TN 37408Directions
- Volkswagen Branch8001 Volkswagen Dr, Chattanooga, TN 37416Directions
- Hixson Branch5150 Austin Rd, Hixson, TN 37343Directions
- Kimball Branch405 Dixie Lee Center Rd, Kimball, TN 37347Directions
- East Hamilton Food City1667 Ooltewah Ringgold Rd, Ooltewah, TN 37363Directions
- Ooltewah Branch6007 Relocation Way, Ooltewah, TN 37363Directions
- Red Bank Food City3901 Dayton Blvd, Red Bank, TN 37415Directions
- Soddy Daisy Branch9381 Dayton Pike, Soddy-Daisy, TN 37379Directions
Cleveland area · 3
- North Cleveland Branch180 Stuart Xing NE, Cleveland, TN 37312Directions
- South Cleveland Branch2440 Treasury Dr SE, Cleveland, TN 37323Directions
- West Cleveland Food City4615 Georgetown Rd NW, Cleveland, TN 37312Directions
Athens area · 2
- Athens Branch1314 Decatur Pike, Athens, TN 37303Directions
- Etowah Branch841 US-411 N, Etowah, TN 37331Directions
Dayton area · 1
- Dayton Branch3475 Rhea County Hwy, Dayton, TN 37321Directions
Georgia
8 branches
Chattanooga area · 6
- Chickamauga Branch13176 N Hwy 27, Chickamauga, GA 30707Directions
- Fort Oglethorpe Branch200 Alamar St, Fort Oglethorpe, GA 30742Directions
- Roper Branch1507 Broomtown Rd, LaFayette, GA 30728Directions
- Highway 41 Food City150 Highway 41, Ringgold, GA 30736Directions
- Ringgold Branch35 Poplar Springs Rd, Ringgold, GA 30736Directions
- Trenton Food City112 Crimson Dr, Trenton, GA 30752Directions
Dalton area · 2
- Chatsworth Food City502 Gi Maddox Pkwy, Chatsworth, GA 30705Directions
- Dalton920 Vista Dr, Dalton, GA 30721Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.75% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.77% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.55% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $88 | $88 | — |
- CapitalNet worth ratio14.75%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.77%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.55%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$88Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Valley 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.