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 Memorial Credit Union Chattanooga, TN 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.
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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 22, 2026
Memorial Credit Union Chattanooga, TN's savings rates are at 0.01%. Memorial Credit Union Chattanooga, TN's Tractors, Farm and Garden Equip rates are at 8.99%, Tractors, Farm and Garden Equip rates are at 9.99%, Tractors, Farm and Garden Equip rates are at 10.49%. Memorial Credit Union Chattanooga, TN's Personal Loan Rates are as low as 8.99%. Memorial Credit Union Chattanooga, TN's Credit Card Rates are at 12.00%. MonitorBankRates evaluates the financial stability of Memorial Credit Union Chattanooga, TN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.84%. Rates last updated and verified on 09/22/2026. Memorial Credit Union Chattanooga, TN 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 Memorial Credit Union Chattanooga, TN? Share your experience about Memorial Credit Union Chattanooga, TN by leaving a review below, or read customer reviews before you decide to use Memorial Credit Union Chattanooga, TN. Memorial Credit Union Chattanooga, TN
Memorial Credit Union 6800 Longview Rd
https://www.memorialcreditunion.com Chattanooga, TN 37421 
Memorial Credit Union Chattanooga, TN Savings Rates
Memorial Credit Union Chattanooga, TN Mortgage Rates
Memorial Credit Union Chattanooga, TN Auto Loan Rates
Memorial Credit Union Chattanooga, TN RV, Boat and Powersport Loan Rates
Memorial Credit Union Chattanooga, TN Credit Card Rates
Memorial Credit Union Chattanooga, TN Personal Loan Rates
Memorial Credit Union Chattanooga, TN Other Rates
Financial Health HistoryMemorial Credit Union Chattanooga, TN’s Texas Ratio rose from 0.00% in Q2 2023 to 0.84% 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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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 Memorial Credit Union Chattanooga, TN 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 Memorial Credit Union Chattanooga, TN 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 Memorial Credit Union Chattanooga, TN's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Memorial Credit Union Chattanooga, TN
Address
6800 Longview Rd,
Chattanooga, TN 37421
Phone
423-855-1770
Fax
423-855-0963
President
Shaun Pope
CEO
Derrick Rumph
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
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
0.84%
Return on Assets (ROA)
-0.2030%
Return on Equity (ROE)
-1.4320%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
6,855,455
Total Amount of Shares and Deposits
5,858,854
Total Shares and Deposits < 1 Year
5,858,854
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
293,729
Total Uninsured Shares and Deposits > $250K (F+J)
293,729
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,565,125
Total Interest Expense (Sum of items 6 8)
602
Share Certificates
13
Number of Accounts for Share Drafts
194
Number of Accounts for Regular Shares
1,469
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)
784,518
Total Liabilities
5,883,556
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Memorial Credit Union Chattanooga, TNHow many branches does Memorial Credit Union Chattanooga, TN operate?Memorial Credit Union Chattanooga, TN 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 Memorial Credit Union Chattanooga, TN?Yes, to access services at Memorial Credit Union Chattanooga, TN, 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, Memorial Credit Union Chattanooga, TN 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, Memorial Credit Union Chattanooga, TN provides members with tools to manage their accounts and build a solid financial history. Does Memorial Credit Union Chattanooga, TN offer online and mobile banking?Most modern institutions like Memorial Credit Union Chattanooga, TN 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.memorialcreditunion.com. Current Memorial Credit Union Chattanooga, TN Rates
Retrieved from our database of financial products. Rates subject to change.
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