Credit union · NCUA insured
TVA Community Credit Union
A $424.4M credit union headquartered in Muscle Shoals, AL, with 20,008 members and 10 branches in Alabama. Best rates: CDs 3.60% and savings 0.20% APY.
TVA Community Credit Union Carrot Score
77
Carrot Score
Higher than 44% of U.S. banks and credit unions
#6 of 13 in Florence, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About TVA Community Credit Union
Founded in 1936 as Muscle Shoals TVA Employees Federal Credit Union, Alabama's oldest federally chartered credit union converted to a state charter in 2006.
The member-owned credit union serves seven North Alabama counties: Colbert, Lauderdale, Limestone, Marshall, Morgan, Lawrence, and Franklin.
- Headquarters
- 1405 S Wilson Dam Rd, Muscle Shoals, AL 35661
- NCUA charter
- 68559
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals in the seven North Alabama counties of Colbert, Lauderdale, Limestone, Marshall, Morgan, Lawrence and Franklin.
Branches
10 branches in Alabama
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Alabama
10 branches
Florence area · 8
- Wilson Dam RoadMain office1405 S Wilson Dam Rd, Muscle Shoals, AL 35661Directions
- Cloverdale Branch2809 Cloverdale Rd, Florence, AL 35630Directions
- Dr. Hicks Branch303 E Dr Hicks Blvd, Florence, AL 35630Directions
- Mall Drive Branch406 N Mall Ct, Florence, AL 35630Directions
- Killen Branch150 Brush Creek Rd, Killen, AL 35645Directions
- Reservation Branch1010 Reservation Road, Muscle Shoals, AL 35661Directions
- Sheffield Branch425 Cox Blvd, Sheffield, AL 35660Directions
- Tuscumbia Branch211 E 6th St, Tuscumbia, AL 35674Directions
Huntsville area · 2
- Athens Branch616 E Hobbs St, Athens, AL 35611Directions
- Brown's Ferry Branch10835 Shaw Rd # BFT-2C, Athens, AL 35611Directions
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 | 18.38% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.10% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $46 | $76 | — |
- CapitalNet worth ratio18.38%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.10%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$46Peers’ 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 TVA Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.