Credit union · NCUA insured
Trust Federal Credit Union
A $140.4M credit union headquartered in Chattanooga, TN, with 7,617 members and 3 branches in Tennessee. Best rates: CDs 3.90% APY.
Trust Federal Credit Union Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#18 of 28 in Chattanooga, TN-GA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Trust Federal Credit Union
Trust Federal Credit Union is a Community Development Financial Institution (CDFI) credit union headquartered in Chattanooga, Tennessee.
- Headquarters
- 555 Walnut St Ste 100, Chattanooga, TN 37402
- NCUA charter
- 24629
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This may be incomplete or out of date, so check with the credit union before you apply.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 lives, works, worships, or attends class in downtown Chattanooga is eligible to join.
Employers and groups
- Members of the Chattanooga Audubon Society are eligible to join.
- Employees of Cigna are eligible to join.
- Employees of UNUM are eligible to join.
- Employees of WestRock are eligible to join.
Family and household
- Family of members are eligible to join.
Branches
3 branches in Tennessee
Loading map…
Tennessee
3 branches
- Main OfficeMain office555 Walnut St Ste 100, Chattanooga, TN 37402Directions
- Gunbarrel Branch1529 Gunbarrel Rd, Chattanooga, TN 37421Directions
- Northgate Branch2186 Northgate Park Ln, Chattanooga, TN 37415Directions
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 | 11.65% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.41% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.37% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio11.65%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.41%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.37%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Trust 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.