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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.
 TVA Community Credit Union Rates & Review September 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 and Verified: September 14, 2026
TVA Community Credit Union's 12 Month CD of Deposit rates are at 3.60%, 9 Month CD of Deposit rates are at 3.55%, 6 Month CD of Deposit rates are at 3.45%, 60 Month CD of Deposit rates are at 3.45%, 24 Month CD of Deposit rates are at 3.35%. TVA Community Credit Union's Personal Loan Rates are as low as 9.95%. TVA Community Credit Union's Credit Card Rates are at 9.95%. MonitorBankRates evaluates the financial stability of TVA Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.60%. Rates last updated and verified on 09/14/2026. TVA Community 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 TVA Community Credit Union? Share your experience about TVA Community Credit Union by leaving a review below, or read customer reviews before you decide to use TVA Community Credit Union. TVA Community Credit Union
Wilson Dam Road 1405 S Wilson Dam Rd
https://www.tvaccu.com Muscle Shoals, AL 35661 
TVA Community Credit Union CD Rates
TVA Community Credit Union Home Equity & HELOC
TVA Community Credit Union Auto Loan Rates
TVA Community Credit Union RV, Boat and Powersport Loan Rates
TVA Community Credit Union Credit Card Rates
TVA Community Credit Union Personal Loan Rates
TVA Community Credit Union Other Rates
Financial Health HistoryTVA Community Credit Union’s Texas Ratio stayed near 0.22% in Q2 2023 to 0.60% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for TVA Community 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 TVA Community 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 TVA Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
TVA Community Credit Union
Website
https://www.tvaccu.com
Address
1405 S Wilson Dam Rd,
Muscle Shoals, AL 35661
Phone
256-383-1019
Fax
256-386-1257
President
Larry Softley, Jr
CEO
Samuel Clements
Full-Time Employees
51
Part-Time Employees
25
Branch Locations
11
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.60%
Return on Assets (ROA)
0.2477%
Return on Equity (ROE)
1.3549%
Non-Performing Loans Ratio (NPL)
0.29%
Total Assets
424,432,870
Total Amount of Shares and Deposits
370,962,042
Total Shares and Deposits < 1 Year
357,141,012
Total Shares and Deposits 1 3 Years
10,532,848
Total Shares and Deposits > 3 Years
3,288,182
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,015,115
Total Uninsured Shares and Deposits > $250K (F+J)
19,015,115
Total Insured Shares and Deposits > $250K (item 17 less item K)
351,946,927
Total Interest Expense (Sum of items 6 8)
1,254,073
Share Certificates
2,449
Number of Accounts for Share Drafts
10,908
IRA KEOGH Accounts
844
Number of Accounts for Regular Shares
19,800
All other shares
2,019
Money Market Shares
36
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,345,949
Total Liabilities
368,574,639
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for TVA Community Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for TVA Community Credit Union
Frequently Asked Questions About TVA Community Credit UnionHow many branches does TVA Community Credit Union operate?TVA Community 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 TVA Community Credit Union?Yes, to access services at TVA Community 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, TVA Community 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, TVA Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does TVA Community Credit Union offer online and mobile banking?Most modern institutions like TVA Community 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://www.tvaccu.com. Current TVA Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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