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Memorial Credit Union Chattanooga, TN Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 9, 2026
Memorial Credit Union Chattanooga, TN's top rates as of October 9, 2026 are 0.05% APY on savings, 8.99% on its Tractors, Farm and Garden Equip mortgage, personal loans from 8.99% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. Other Memorial Credit Union Chattanooga, TN mortgage rates include Tractors, Farm and Garden Equip at 9.99%, and Tractors, Farm and Garden Equip at 10.49%. 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 4.00%. Rates last updated and verified on 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Memorial Credit Union Chattanooga, TN has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.00%
ExcellentLower than avg
Memorial Credit Union Chattanooga, TN Texas Ratio
Memorial Credit Union Chattanooga, TN's Texas Ratio is 4.00%, which is considered excellent and is lower than the national average of 6.13%.
Memorial Credit Union Chattanooga, TN has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Memorial Credit Union Chattanooga, TN Health Trend
0.00% to 4.00% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Memorial Credit Union Chattanooga, TN Savings Rates
Product
Rate
APY
View More
Savings
0.05%
0.05%
Details$10,000.00; Balance: $10,000.00 and over
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 0.01% → 0.05% ▲ 0.04 pts · high 0.05% / low 0.01%
Sep 18, 20260.05%▲ from 0.01%
Sep 14, 20260.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Savings to $9,999.99
0.03%
0.03%
Details$500.00; Balance: $500.00 - $9,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.03% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Christmas Clubs
0.01%
0.01%
Min Deposit$0
Min Balance$0
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Savings
0.01%
0.01%
Min Deposit$25
Min Balance$25
Detailsup to $499.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Vacation Clubs
0.01%
0.01%
Min Deposit$0
Min Balance$0
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Memorial Credit Union Chattanooga, TN Mortgage Rates
Product
Rate
Points
APR
Term
View More
Tractors, Farm and Garden Equip
-
-
8.99%
up to 60 months
DetailsAs low as; Maximum Amount:up to 80% of value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Tractors, Farm and Garden Equip
-
-
9.99%
up to 72 months
DetailsAs low as; Maximum Amount:up to 80% of value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Tractors, Farm and Garden Equip
-
-
10.49%
up to 84 months
DetailsAs low as; Maximum Amount:up to 80% of value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Memorial Credit Union Chattanooga, TN Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto
6.00%
-
6.00%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Autos
-
-
6.00%
up to 36 months
DetailsAs low as; Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Autos
-
-
6.25%
37 - 63 months
DetailsAs low as; Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 6.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Autos
-
-
6.45%
64 - 75 months
DetailsAs low as; (valued at more than $15,000.00); Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 6.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Auto
6.85%
-
6.85%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.85% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Autos
-
-
6.85%
up to 48 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.85% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Autos
-
-
7.15%
37 - 63 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 7.15% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Autos
-
-
7.35%
64-75 months
DetailsAs low as; 25,000 - 99,999 miles; (valued at more than $15,000.00); Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 7.35% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Autos
-
-
7.85%
76 - 84 months
DetailsAs low as; (valued at more than $30,000.00); Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 7.85% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Autos
-
-
8.30%
76 - 84 months
DetailsAs low as; 25,000 - 99,999 miles; (valued at more than $30,000.00); Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 8.30% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Auto
-
-
8.50%
63 months or less
DetailsAs low as; Over 7 years old; (below 80,000 miles)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Autos
-
-
9.25%
up to 63 months
DetailsAs low as; 100,000 miles; Maximum Amount:up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Autos
-
-
9.45%
64 - 75 months
DetailsAs low as; 100,000 miles; Maximum Amount:up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.45% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Auto
-
-
10.50%
63 months or less
DetailsAs low as; Over 7 years old; (above 80,000 miles)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Memorial Credit Union Chattanooga, TN RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Boats and Water Craft Loan
-
6.50%
72 months
DetailsAs low as; Maximum Amount: up to 100% of MSRP plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Boats and Water Craft Loan
-
6.80%
84 months
DetailsAs low as; (valued at more than $20,000.00); Maximum Amount: up to 100% of MSRP plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.80% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Boats and Water Craft Loan
-
7.00%
120 months
DetailsAs low as; (valued at more than $25,000.00); Maximum Amount: up to 100% of MSRP plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used ATV and Travel Trailers Loan
-
7.25%
72 months
DetailsAs low as; Maximum Amount: up to 80% of NADA Low Retail Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New ATV Loan
-
7.50%
60 months
DetailsAs low as; Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Boats and Water Craft Loan
-
7.50%
180 months
DetailsAs low as; (valued at more than $50,000.00); Maximum Amount: up to 100% of MSRP plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motor Homes Loan
-
7.50%
63 months
DetailsAs low as; Less than 25,000 miles; Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motor Homes Loan
-
7.50%
72 months
DetailsAs low as; Less than 25,000 miles; Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New ATV Loan
-
7.75%
72 months
DetailsAs low as; (valued at more than $15,000.00); Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motor Homes Loan
-
7.75%
84 months
DetailsAs low as; Less than 25,000 miles; Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motorcycles Loan
-
7.75%
48 months
DetailsAs low as; Less than 25,000 miles
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used ATV and Travel Trailers Loan
-
7.99%
60 months
DetailsAs low as; Maximum Amount: up to 80% of NADA Low Retail Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New ATV Loan
-
8.00%
84 months
DetailsAs low as; (valued at more than $20,000.00); Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motor Homes Loan
-
8.00%
120 months
DetailsAs low as; Less than 25,000 miles; Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New ATV Loan
-
8.25%
120 months
DetailsAs low as; (valued at more than $25,000.00); Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motorcycles Loan
-
8.25%
63 months
DetailsAs low as; Less than 25,000 miles
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motorcycles Loan
-
8.49%
48 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount: same as used auto
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New ATV Loan
-
8.50%
180 months
DetailsAs low as; (valued at more than $30,000.00); Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Under 7 yrs old Loan
-
8.50%
72 months
DetailsAs low as; Maximum Amount: up to 100% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motor Homes Loan
-
8.75%
180 months
DetailsAs low as; (valued at more than $50,000.00); Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motorcycles Loan
-
8.75%
72 months
DetailsAs low as; (valued at more than $15,000.00); Less than 25,000 miles
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Under 7 yrs old Loan
-
8.75%
84 months
DetailsAs low as; (valued at more than $20,000.00); Maximum Amount: up to 100% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 8.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used ATV and Travel Trailers Loan
-
8.99%
84 months
DetailsAs low as; Maximum Amount: up to 80% of NADA Low Retail Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motorcycles Loan
-
8.99%
63 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount: same as used auto
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motor Homes Loan
-
9.00%
60 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount:up to 80% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
New Motorcycles Loan
-
9.25%
84 months
DetailsAs low as; (valued at more than $20,000.00); Less than 25,000 miles
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used ATV and Travel Trailers Loan
-
9.25%
108 months
DetailsAs low as; (valued at more than $20,000.00); Maximum Amount: up to 80% of NADA Low Retail Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motor Homes Loan
-
9.25%
72 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount:up to 80% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Over 7 yrs old Loan
-
9.29%
48 months
DetailsAs low as; Maximum Amount: up to 80% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.29% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motorcycles Loan
-
9.49%
72 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount: same as used auto
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Over 7 yrs old Loan
-
9.50%
72 months
DetailsAs low as; Maximum Amount: up to 80% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Under 7 yrs old Loan
-
9.50%
120 months
DetailsAs low as; (valued at more than $25,000.00); Maximum Amount: up to 100% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Under 7 yrs old Loan
-
9.75%
144 months
DetailsAs low as; Maximum Amount: up to 100% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motor Homes Loan
-
9.75%
84 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount:up to 80% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motorcycles Loan
-
9.75%
up to 63 months
DetailsAs low as; over 7 years old; 80% of NADA retail (below 80,000 miles)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Over 7 yrs old Loan
-
9.79%
96 months
DetailsAs low as; Maximum Amount: up to 80% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Boats and Water Craft Over 7 yrs old Loan
-
9.99%
120 months
DetailsAs low as; Maximum Amount: up to 80% of NADA retail value plus tax, tag, license, and UCC1
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 9.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motor Homes Loan
-
10.00%
120 months
DetailsAs low as; 25,000 - 99,999 miles; Maximum Amount:up to 80% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used ATV and Travel Trailers Loan
-
10.25%
60 months
DetailsAs low as; over 7 years old; Maximum Amount: up to 70% of NADA Low Retail Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used ATV and Travel Trailers Loan
-
10.50%
72 months
DetailsAs low as; over 7 years old; Maximum Amount: up to 70% of NADA Low Retail Value
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Used Motor Home Loan
-
10.50%
up to 84 months
DetailsAs low as; Over 7 years old; Over 100,000 miles; Maximum Amount:up to 70% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Memorial Credit Union Chattanooga, TN Credit Card Rates
Product
Rate
APR
View More
Visa Credit Card
-
12.00%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
VISA (credit score 640 - 719)
14.00%
14.00%
DetailsCash Advance: 17.00%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 14.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
VISA (credit score 639 and below)
17.00%
17.00%
DetailsCash Advance: 18.00%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 17.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Memorial Credit Union Chattanooga, TN Personal Loan Rates
Product
APR
Term
View More
Signature Loan
8.99%
Up to 48 months
DetailsAs low as
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 8.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Signature Loan
10.00%
90 Day Note
Detailsdue in full in 90 days
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Signature Loan
10.99%
Up to 60 months
DetailsAs low as; ($4,000.00 min $6,000.00 max)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Memorial Credit Union Chattanooga, TN Other Rates
Product
Rate
Points
APY/APR
Term
View More
Christmas/Holiday Loan
-
-
9.99%
12 months
DetailsMaximum Amount: $5,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Basic Share Drafts
0.01%
-
0.01%
Min Deposit$250
Min Balance$250
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Premium Share Draft
0.01%
-
0.01%
Min Deposit$500
Min Balance$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.00%
Financial Health History
Memorial Credit Union Chattanooga, TN’s Texas Ratio rose from 0.00% in Q3 2023 to 4.00% 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
$7M
4.00%
5.0
A+
March 31, 2026
$7M
0.84%
5.0
A+
December 31, 2025
$7M
0.96%
5.0
A+
September 30, 2025
$7M
4.42%
5.0
A+
June 30, 2025
$7M
3.85%
5.0
A+
March 31, 2025
$7M
2.93%
5.0
A+
December 31, 2024
$7M
1.90%
5.0
A+
September 30, 2024
$7M
1.01%
5.0
A+
June 30, 2024
$7M
4.95%
5.0
A+
March 31, 2024
$8M
3.14%
5.0
A+
December 31, 2023
$8M
0.07%
5.0
A+
September 30, 2023
$8M
0.00%
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 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 NameMemorial Credit Union Chattanooga, TN
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
314,133
Total Uninsured Shares and Deposits > $250K (F+J)
314,133
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,762,466
Total Interest Expense (Sum of items 6 8)
1,244
Share Certificates
14
Number of Accounts for Share Drafts
189
Number of Accounts for Regular Shares
1,463
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)
1,004,060
Total Liabilities
6,096,919
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Memorial Credit Union Chattanooga, TN 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Memorial Credit Union Chattanooga, TN
How 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
Savings0.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
