What are the current interest rates at Tennessee Valley Federal Credit Union?

Current rates for Tennessee Valley Federal Credit Union include: 12-Month CD: 4.50%, 18-Month CD: 4.25%, 24-Month CD: 4.00%, 60-Month CD: 3.25%, Savings: 0.45%, MMA: 3.10%

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Tennessee Valley Federal Credit Union

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Tennessee Valley Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 15, 2026

Tennessee Valley Federal Credit Union's top rates as of October 15, 2026 are 4.50% APY on its 12 Month Business CD, 0.45% APY on savings, 3.10% APY on money market accounts, 0.50% APY on checking, and personal loans from 7.99% APR, according to rates verified by MonitorBankRates. Other Tennessee Valley Federal Credit Union CD rates include CDs - 12 month at 4.50%, 18 Month Business CD at 4.25%, and CDs - 18 month at 4.25%. 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 3.70%. Rates last updated and verified on 10/15/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Tennessee Valley Federal Credit Union
Chattanooga - Admin

535 Chestnut St
Chattanooga, TN 37402

https://tvfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Tennessee Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 12 month	4.43%	4.50%	12 Months
Min Deposit $1,000 Details Dividend Rate 4.43%; early withdrawal penalty applies Last Updated 10/15/2026 Rate History 1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 8, 20264.50%▲ from 4.25% Oct 4, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Share Certificates - 18 month	4.18%	4.25%	18 Months
Min Deposit $1,000 Details Dividend Rate 4.18%; early withdrawal penalty applies Last Updated 10/15/2026 Rate History 1 change since Oct 4, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 8, 20264.25%▲ from 4.00% Oct 4, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Share Certificates - 6 month	4.11%	4.15%	6 Months
Min Deposit $1,000 Details Dividend Rate 4.11%; early withdrawal penalty applies Last Updated 10/15/2026 Rate History 1 change since Oct 4, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Oct 8, 20264.15%▲ from 3.90% Oct 4, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Share Certificates - 24 month	3.94%	4.00%	24 Months
Min Deposit $1,000 Details Dividend Rate 3.94%; early withdrawal penalty applies Last Updated 10/15/2026 Rate History 1 change since Oct 4, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 8, 20264.00%▲ from 3.75% Oct 4, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
30 Month Share Certificates	3.21%	3.25%	30 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; early withdrawal penalties may apply Last Updated 10/15/2026 Rate History 1 change since Oct 4, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 15, 20263.25%▲ from 3.00% Oct 4, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Share Certificates - 60 month	3.21%	3.25%	60 Months
Min Deposit $1,000 Details Dividend Rate 3.21%; early withdrawal penalty applies Last Updated 10/15/2026 Rate History 1 change since Oct 4, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 8, 20263.25%▲ from 3.00% Oct 4, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Share Certificate	4.43%	4.50%	12 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; penalty applies for early withdrawal Last Updated 10/15/2026 Rate History 1 change since Oct 8, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 15, 20264.50%▲ from 4.25% Oct 8, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
18 Month Business Share Certificate	4.18%	4.25%	18 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; penalty applies for early withdrawal Last Updated 10/15/2026 Rate History 1 change since Oct 8, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 15, 20264.25%▲ from 4.00% Oct 8, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
6 Month Business Share Certificate	4.11%	4.15%	6 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; penalty applies for early withdrawal Last Updated 10/15/2026 Rate History 1 change since Oct 8, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90% Oct 15, 20264.15%▲ from 3.90% Oct 8, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
24 Month Business Share Certificate	3.94%	4.00%	24 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; penalty applies for early withdrawal Last Updated 10/15/2026 Rate History 1 change since Oct 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 15, 20264.00%▲ from 3.75% Oct 8, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
30 Month Business Share Certificate	3.21%	3.25%	30 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; penalty applies for early withdrawal Last Updated 10/15/2026 Rate History 1 change since Oct 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 15, 20263.25%▲ from 3.00% Oct 8, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
60 Month Business Share Certificate	3.21%	3.25%	60 Months
Min Deposit $1,000 Details $1,000 minimum opening deposit required; penalty applies for early withdrawal Last Updated 10/15/2026 Rate History 1 change since Oct 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 15, 20263.25%▲ from 3.00% Oct 8, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Accounts	0.45%	0.45%
No additional details. Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Christmas Club Accounts	0.30%	0.30%
No additional details. Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Club Accounts	0.30%	0.30%
No additional details. Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Share Accounts	0.30%	0.30%
No additional details. Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Youth Savings Accounts	0.30%	0.30%
No additional details. Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Account	0.30%	0.30%
Details Dividend Rate 0.30%; APY 0.30%; from the Savings Accounts section (Share Accounts), not a business table Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	3.06%	3.10%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Accounts	3.01%	3.05%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Accounts	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Accounts	2.91%	2.95%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Accounts	2.67%	2.70%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Accounts	2.52%	2.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Money Market Accounts	2.47%	2.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Accounts	3.06%	3.10%
Min Balance $200,000 Details Balance: $200,000+; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Business Money Market Accounts	3.01%	3.05%
Min Balance $150,000 Details Balance: $150,000 - $199,999; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Business Money Market Accounts	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Business Money Market Accounts	2.91%	2.95%
Min Balance $50,000 Details Balance: $50,000 - $99,999; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Business Money Market Accounts	2.67%	2.70%
Min Balance $25,000 Details Balance: $25,000 - $49,999; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Business Money Market Accounts	2.52%	2.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 2.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Business Money Market Accounts	2.47%	2.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999; $2,500 minimum balance required to earn dividends Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Checking Rates

Product	Rate	APY
Perks Platinum Checking	-	0.50%
Min Deposit $0 Details Earn up to 0.50% APY; no minimum to open; no other minimum balance requirements; $10 monthly fee; Open Online Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
TVFCU Perks Platinum Checking	0.50%	0.50%
No additional details. Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Perks Plus Checking	-	0.25%
Min Deposit $0 Details Up to 0.25% APY (marketing headline; no balance tier or rate table shown on page); $8 monthly fee waived with $1,500 balance; no minimum to open Last Updated 10/15/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars & Trucks Loan	-	-	4.39%	63 months or less
Details APR range: 4.39% to 15.99%; Mileage: Within 3 most recent model years and less than 25,000 miles Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 4.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Cars & Trucks - Within 3 most recent model years and less than 25,000 miles Loan	-	-	4.89%	3 months
Details Mileage: Within 3 most recent model years and less than 25,000 miles; APR range 4.89% to 16.99%; Footnote 1: up to 135% of MSRP or NADA Retail includes tax, tag, warranty; GAP Protection may be added Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 4.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Cars & Trucks Loan	-	-	4.89%	64 - 75 months
Details APR range: 4.89% to 16.99%; Mileage: Within 3 most recent model years and less than 25,000 miles Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 4.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks - 25,000 - 99,999 miles Loan	-	-	5.39%	63 months or less
Details Mileage: 25,000 - 99,999 miles; APR range: 5.39% to 16.99% Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks Loan	-	-	5.39%	63 months or less
Details Mileage: 25,000 - 99,999 miles; APR range: 5.39% to 16.99%; Financing up to 135% of NADA Retail Value incl. tax, tag, warranty; GAP may be added Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 5.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Cars & Trucks - Mileage Within 3 most recent model years and less than 25,000 miles Loan	-	-	5.69%	3 months
Details APR range: 5.69% to 11.29%; Invoice or NADA retail value over $12,500; Up to 135% of MSRP or NADA Retail includes tax, tag, warranty Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Cars & Trucks Loan	-	-	5.69%	76 - 84 months
Details APR range: 5.69% to 11.29%; Mileage: Within 3 most recent model years and less than 25,000 miles; Invoice or NADA retail value over $12,500 Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 5.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks Loan	-	-	5.89%	64 to 75 months
Details Mileage: 25,000 - 99,999 miles; APR range: 5.89% to 17.99%; Financing up to 135% of NADA Retail Value incl. tax, tag, warranty; GAP may be added Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 5.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks Loan	-	-	6.39%	63 months or less
Details Mileage: Greater than 100,000 miles but less than 175,000 miles; APR range: 6.39% to 17.99%; Financing up to 100% of NADA Retail Value or purchase price, whichever is less, plus tax, tag, title and GAP Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 6.39% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks - 25,000 - 99,999 miles Loan	-	-	6.69%	76 to 84 months
Details Published APR range: 6.69% to 12.29%. Mileage: 25,000 - 99,999 miles; Used vehicles; Footnote 1: 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks Loan	-	-	6.69%	76 to 84 months
Details Mileage: 25,000 - 99,999 miles; APR range: 6.69% to 12.29%; Requires invoice or NADA retail value greater than $12,500.00; Financing up to 135% of NADA Retail Value incl. tax, tag, warranty; GAP may be added Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 6.69% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks - Mileage Greater than 100,000 miles but less than 175,000 miles Loan	-	-	6.89%	64 to 75 months
Details APR range: 6.89% to 18%; Mileage: Greater than 100,000 miles but less than 175,000 miles; Footnote 2: up to 100% of NADA Retail Value or purchase price, whichever is less, plus tax, tag, title and GAP; 61-72 months requires NADA retail value greater than $12,500.00 Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Cars & Trucks Loan	-	-	6.89%	64 to 75 months
Details Mileage: Greater than 100,000 miles but less than 175,000 miles; APR range: 6.89% to 18%; Financing up to 100% of NADA Retail Value or purchase price, whichever is less, plus tax, tag, title and GAP Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 6.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats Loan	-	6.99%	60 months or less
Details Loan amount: $10,000 and up; APR range: 6.99% to 9.99%; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Recreational Vehicles Loan	-	6.99%	60 months or less
Details Published APR range: 6.99% to 9.99%. Loan amount: $10,000 and up; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Boat Loan - 61 - 120 months	-	7.99%	61-120 months
Details Category: $20,000 and up; APR range 7.99% to 10.99%; Boats section Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Boats Loan	-	7.99%	61 - 120 months
Details Loan amount: $20,000 and up; APR range: 7.99% to 10.99%; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Recreational Vehicles Loan	-	7.99%	61 - 120 months
Details Published APR range: 7.99% to 10.99%. Loan amount: $20,000 and up; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Recreational Vehicles Loan	-	7.99%	60 months or less
Details Loan amount: $10,000 and up; APR range 7.99% to 10.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; to qualify as used: 10 model years or newer (street bikes only) Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Boats Loan	-	7.99%	60 months or less
Details Balance: $10,000 and up; APR range: 7.99% to 10.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; 10 model years or newer Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Recreational Vehicles Loan	-	7.99%	60 months or less
Details Category - $10,000 and up; APR range 7.99% to 10.99%; street bikes 10 model years or newer; up to 100% of NADA Average Retail Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Boats Loan	-	8.99%	121 - 144 months
Details Loan amount: $50,000 and up; APR range: 8.99% to 11.99%; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Recreational Vehicles Loan	-	8.99%	121 - 144 months
Details Published APR range: 8.99% to 11.99%. Loan amount: $50,000 and up; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Recreational Vehicles Loan	-	8.99%	61 - 120 months
Details Loan amount: $20,000 and up; APR range 8.99% to 11.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; to qualify as used: 10 model years or newer (street bikes only) Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Boats Loan	-	8.99%	61 - 120 months
Details Balance: $20,000 and up; APR range: 8.99% to 11.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; 10 model years or newer Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Boats Loan	-	9.99%	145 - 180 months
Details Loan amount: $50,000 and up; APR range: 9.99% to 12.99%; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
New Recreational Vehicles Loan	-	9.99%	145 - 180 months
Details Published APR range: 9.99% to 12.99%. Loan amount: $50,000 and up; For qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Recreational Vehicles Loan	-	9.99%	121 - 144 months
Details Loan amount: $50,000 and up; APR range 9.99% to 12.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; to qualify as used: 10 model years or newer (street bikes only) Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Boats Loan	-	9.99%	121 - 144 months
Details Balance: $50,000 and up; APR range: 9.99% to 12.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; 10 model years or newer Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Recreational Vehicles Loan	-	9.99%	121 - 144 months
Details Category - $50,000 and up; APR range 9.99% to 12.99%; street bikes 10 model years or newer; up to 100% of NADA Average Retail Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Recreational Vehicles Loan	-	10.99%	145 - 180 months
Details Loan amount: $50,000 and up; APR range 10.99% to 13.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; to qualify as used: 10 model years or newer (street bikes only) Last Updated 10/15/2026 Rate History No change since Oct 15, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Used Boats Loan	-	10.99%	145 - 180 months
Details Balance: $50,000 and up; APR range: 10.99% to 13.99%; for qualified borrowers, up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products; 10 model years or newer Last Updated 10/15/2026 Rate History No change since Oct 8, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Term Loan	7.99%	12 Months
Details APR range: 7.99% to 12.99% Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Personal Term Loan	8.99%	24 Months
Details APR range: 8.99% to 13.99% Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Personal Term Loan	9.99%	36 Months
Details APR range: 9.99% to 14.99% Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Personal Term Loan	10.99%	48 Months
Details APR range: 10.99% to 15.99% Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Personal Term Loan	11.99%	60 Months
Details APR range: 11.99% to 16.99% Last Updated 10/15/2026 Rate History No change since Sep 16, 2026 · 11.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Tennessee Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Individual Retirement Accounts (IRAs)	2.52%	-	2.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Individual Retirement Accounts (IRAs)	2.67%	-	2.70%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Individual Retirement Accounts (IRAs)	2.91%	-	2.95%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Individual Retirement Accounts (IRAs)	2.96%	-	3.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Individual Retirement Accounts (IRAs)	3.01%	-	3.05%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Individual Retirement Accounts (IRAs)	3.06%	-	3.10%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Individual Retirement Accounts (IRAs)	2.47%	-	2.50%
Details Balance: Less than $10,000 Last Updated 10/15/2026 Rate History 2 changes since Sep 16, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 0.05% Oct 12, 20262.50%▲ from 0.05% Oct 4, 20260.05%▼ from 2.50% Sep 16, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Share Certificates - 30 Months	3.21%	-	3.25%	30 Months
Min Deposit $1,000 Details Dividend Rate 3.21%; early withdrawal penalty applies Last Updated 10/15/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
TVFCU Perks Plus	0.25%	-	0.25%
Last Updated 10/15/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Tennessee Valley Federal Credit Union’s Texas Ratio rose from 2.43% in Q3 2023 to 3.70% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.3B	3.70%	5.0	A+
March 31, 2026	$3.2B	2.40%	5.0	A+
December 31, 2025	$3.1B	3.70%	5.0	A+
September 30, 2025	$3.0B	3.89%	5.0	A+
June 30, 2025	$2.9B	3.39%	5.0	A+
March 31, 2025	$2.9B	2.47%	5.0	A+
December 31, 2024	$2.9B	4.30%	5.0	A+
September 30, 2024	$2.8B	3.88%	5.0	A+
June 30, 2024	$2.7B	3.58%	5.0	A+
March 31, 2024	$2.7B	3.06%	5.0	A+
December 31, 2023	$2.6B	2.91%	5.0	A+
September 30, 2023	$2.6B	2.43%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 520

Part-Time Employees 39

Branch Locations 30

ATM Locations 32

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.70%

Return on Assets (ROA)

0.7547%

Return on Equity (ROE)

5.1171%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

3,258,111,792

Total Amount of Shares and Deposits

2,750,690,901

Total Shares and Deposits < 1 Year

2,601,318,119

Total Shares and Deposits 1 3 Years

138,679,306

Total Shares and Deposits > 3 Years

10,693,477

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

220,492,433

Total Uninsured Shares and Deposits > $250K (F+J)

220,492,433

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,530,198,468

Total Interest Expense (Sum of items 6 8)

23,413,847

Share Certificates

15,554

Number of Accounts for Share Drafts

118,821

IRA KEOGH Accounts

6,521

Number of Accounts for Regular Shares

193,043

All other shares

4,249

Non Member Deposits

Money Market Shares

7,151

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)

442,386,190

Total Liabilities

2,779,262,714

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Tennessee Valley Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Tennessee Valley Federal Credit Union

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

12-Month CD4.50%
18-Month CD4.25%
24-Month CD4.00%
60-Month CD3.25%
Savings0.45%
MMA3.10%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Tennessee Valley Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tennessee Valley Federal Credit Union Texas Ratio

Tennessee Valley Federal Credit Union Health Trend

Tennessee Valley Federal Credit Union CD Rates

Tennessee Valley Federal Credit Union Business CD Rates

Tennessee Valley Federal Credit Union Savings Rates

Tennessee Valley Federal Credit Union Business Savings Rates

Tennessee Valley Federal Credit Union Money Market Rates

Tennessee Valley Federal Credit Union Business Money Market Rates

Tennessee Valley Federal Credit Union Checking Rates

Tennessee Valley Federal Credit Union Auto Loan Rates

Tennessee Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Tennessee Valley Federal Credit Union Personal Loan Rates

Tennessee Valley Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Tennessee Valley Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tennessee Valley Federal Credit Union

How many branches does Tennessee Valley Federal Credit Union operate?

Is a member application needed to join Tennessee Valley Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tennessee Valley Federal Credit Union offer online and mobile banking?

Current Tennessee Valley Federal Credit Union Rates

Compare to Other Credit Unions