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Chattanooga Area Schools Federal Credit Union

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Chattanooga Area Schools Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chattanooga Area Schools 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: August 29, 2026

Chattanooga Area Schools Federal Credit Union's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of Chattanooga Area Schools Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates last updated and verified on 08/29/2026.

Chattanooga Area Schools 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 Chattanooga Area Schools Federal Credit Union? Share your experience about Chattanooga Area Schools Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Chattanooga Area Schools Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.03%

Excellent Lower than avg

Chattanooga Area Schools Federal Credit Union
CASFCU

1201 Bailey Ave
Chattanooga, TN 37404 2806

https://casfcu.com

Chattanooga Area Schools Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Fixed Rate Auto Loan	-	-	4.50%
Details Certain conditions apply. Subject to credit criteria. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

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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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Chattanooga Area Schools 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 Chattanooga Area Schools 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 Chattanooga Area Schools Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Chattanooga Area Schools Federal Credit Union

Website https://casfcu.com

Address 1201 Bailey Ave, Chattanooga, TN 37404 2806

Phone 423-624-9094

Fax 423-622-3845

President Richard Allison

CEO David Siatkowski

Full-Time Employees 13

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.03%

Return on Assets (ROA)

0.2771%

Return on Equity (ROE)

2.2390%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

189,348,442

Total Amount of Shares and Deposits

164,677,500

Total Shares and Deposits < 1 Year

157,136,748

Total Shares and Deposits 1 3 Years

7,540,752

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

12,093,728

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

12,093,728

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

152,583,772

Total Interest Expense (Sum of items 6 8)

3,158,958

Share Certificates

2,007

IRA KEOGH Accounts

551

Number of Accounts for Regular Shares

12,412

All other shares

481

Money Market Shares

623

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)

5,697,917

Total Liabilities

165,915,826

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Chattanooga Area Schools Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Chattanooga Area Schools Federal Credit Union

How many branches does Chattanooga Area Schools Federal Credit Union operate?

Chattanooga Area Schools 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 Chattanooga Area Schools Federal Credit Union?

Yes, to access services at Chattanooga Area Schools 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, Chattanooga Area Schools 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, Chattanooga Area Schools Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Chattanooga Area Schools Federal Credit Union offer online and mobile banking?

Most modern institutions like Chattanooga Area Schools 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://casfcu.com.