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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Tennessee Valley Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Tennessee Valley Federal Credit Union's 12 month CDs rates are at 4.00%, 18 month IRA CDs rates are at 4.00%, 18 month CDs rates are at 4.00%, 6 month CDs rates are at 4.00%, Business CDs 12 month rates are at 4.00%. Tennessee Valley Federal Credit Union's savings rates are at 0.30%. Tennessee Valley Federal Credit Union's money market rates are at 2.50%. Tennessee Valley Federal Credit Union's Personal Loan Rates are at 7.90%. MonitorBankRates evaluates the financial stability of Tennessee Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.06%. Rates were last updated on 04/11/2026. Tennessee Valley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Tennessee Valley Federal Credit Union? Share your experience about Tennessee Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Tennessee Valley Federal Credit Union. Tennessee Valley Federal Credit Union
Chattanooga Admin 535 Chestnut St
https://tvfcu.com Chattanooga, TN 37402 
Tennessee Valley Federal Credit Union CD Rates
Tennessee Valley Federal Credit Union Savings Rates
Tennessee Valley Federal Credit Union Money Market Rates
Tennessee Valley Federal Credit Union Checking Rates
Tennessee Valley Federal Credit Union Home Equity & HELOC
Tennessee Valley Federal Credit Union Auto Loan Rates
Tennessee Valley Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Tennessee Valley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Tennessee Valley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Tennessee Valley Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Tennessee Valley Federal Credit Union
Website
https://tvfcu.com
Address
535 Chestnut St,
Chattanooga, TN 37402
Phone
423-634-3600
Fax
423-634-3588
President
David Longmire
CEO
Todd Fortner
Full-Time Employees
534
Part-Time Employees
43
Branch Locations
30
ATM Locations
33
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.06%
Return on Assets (ROA)
1.2292%
Return on Equity (ROE)
8.2343%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
2,972,480,611
Total Amount of Shares and Deposits
2,500,208,519
Total Shares and Deposits < 1 Year
2,349,217,511
Total Shares and Deposits 1 3 Years
102,203,811
Total Shares and Deposits > 3 Years
48,787,197
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
180,548,519
Total Uninsured Shares and Deposits > $250K (F+J)
180,548,519
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,319,660,000
Total Interest Expense (Sum of items 6 8)
31,322,746
Share Certificates
14,207
Number of Accounts for Share Drafts
115,984
IRA KEOGH Accounts
6,472
Number of Accounts for Regular Shares
185,125
All other shares
3,774
Non Member Deposits
2
Money Market Shares
5,723
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
504,030,271
Total Liabilities
2,528,310,949
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Tennessee Valley Federal Credit UnionIs Tennessee Valley Federal Credit Union a safe place to deposit money?Yes, Tennessee Valley Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0617149474881%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Tennessee Valley Federal Credit Union operate?Tennessee Valley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Tennessee Valley Federal Credit Union?Yes, to access services at Tennessee Valley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Tennessee Valley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Tennessee Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Tennessee Valley Federal Credit Union offer online and mobile banking?Most modern institutions like Tennessee Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://tvfcu.com. Current Tennessee Valley Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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