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Tennessee Valley Federal Credit Union

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Tennessee Valley Federal Credit Union Rates & Review September 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: September 23, 2026

Tennessee Valley Federal Credit Union's Personal Loan Rates are as low as 7.99%. 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 2.40%. Rates last updated and verified on 09/23/2026.

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 2026 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

2.40%

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

Tennessee Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars & Trucks Loan	-	-	4.39%	63 months or less
Details Mileage: Within 3 most recent model years and less than 25,000 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Cars & Trucks Loan	-	-	4.89%	64 - 75 months
Details Mileage: Within 3 most recent model years and less than 25,000 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Cars & Trucks Loan	-	-	5.39%	63 months or less
Details Mileage: 25,000 - 99,999 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Cars & Trucks Loan	-	-	5.69%	76 - 84 months
Details Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Cars & Trucks Loan	-	-	5.89%	64 to 75 months
Details Mileage: 25,000 - 99,999 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Cars & Trucks Loan	-	-	6.39%	63 months or less
Details Mileage: Greater than 100,000 miles but less than 175,000 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Cars & Trucks Loan	-	-	6.69%	76 to 84 months
Details Mileage: 25,000 - 99,999 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Cars & Trucks Loan	-	-	6.89%	64 to 75 months
Details Mileage: Greater than 100,000 miles but less than 175,000 miles Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

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 For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Recreational Vehicles Loan	-	6.99%	60 months or less
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Boats Loan	-	7.99%	61 - 120 months
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Recreational Vehicles Loan	-	7.99%	61 - 120 months
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Boats and up Loan	-	7.99%	60 months or less
Details $10,000; 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. For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Boats Loan	-	7.99%	60 months or less
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Recreational Vehicles Loan	-	7.99%	60 months or less
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Boats Loan	-	8.99%	121 - 144 months
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Recreational Vehicles Loan	-	8.99%	121 - 144 months
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Boats and up Loan	-	8.99%	61 - 120 months
Details $20,000; 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. For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Boats Loan	-	9.99%	145 - 180 months
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
New Recreational Vehicles Loan	-	9.99%	145 - 180 months
Details For qualified borrowers, Up to 100% of MSRP including TT&L, plus the lesser of 15% or $5,000 for ancillary products. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Boats and up Loan	-	9.99%	121 - 144 months
Details $50,000; 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. For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Used Boats and up Loan	-	10.99%	145 - 180 months
Details $50,000; 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. For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Tennessee Valley Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Term Loan	7.99%	12 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Personal Term Loan	8.99%	24 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Personal Term Loan	9.99%	36 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Personal Term Loan	10.99%	48 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Personal Term Loan	11.99%	60 Months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

Tennessee Valley Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Category and up - 121 - 144 months Loan	-	-	8.99%	144 Months
Details $50,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Category and up - 121 - 144 months Loan	-	-	9.99%	144 Months
Details $50,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Category and up - 145 - 180 months Loan	-	-	9.99%	180 Months
Details $50,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Category and up - 145 - 180 months Loan	-	-	10.99%	180 Months
Details $50,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Category and up - 61 - 120 months Loan	-	-	7.99%	120 Months
Details $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Category and up - 61 - 120 months Loan	-	-	8.99%	120 Months
Details $20,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Mileage - 25,000 - 99,999 miles Loan	-	-	5.89%	64 to 75 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Mileage - 25,000 - 99,999 miles Loan	-	-	6.69%	76 to 84 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Mileage - Greater than 100,000 miles but less than 175,000 miles Loan	-	-	6.39%	63 months or less
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Mileage - Greater than 100,000 miles but less than 175,000 miles Loan	-	-	6.89%	64 to 75 months
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Mileage - Within 3 most recent model years and less than 25,000 miles Loan	-	-	4.89%	3 Mos
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Mileage - Within 3 most recent model years and less than 25,000 miles Loan	-	-	5.69%	3 Mos
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
Individual Retirement Accounts (IRAs)	2.47%	-	2.50%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	2.47%	-	2.50%
Min Balance $0 Details Balance: Less than $10,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	2.52%	-	2.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	2.67%	-	2.70%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	2.91%	-	2.95%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	2.96%	-	3.00%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	3.01%	-	3.05%
Min Balance $150,000 Details Balance: $150,000 - $199,999 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%
IRA Certificates	3.06%	-	3.10%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.40%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Tennessee Valley Federal Credit Union’s Texas Ratio stayed near 2.31% in Q2 2023 to 2.40% 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

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
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+
June 30, 2023	$2.6B	2.31%	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 514

Part-Time Employees 43

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+ (99/100)

Texas Ratio

2.40%

Return on Assets (ROA)

0.3632%

Return on Equity (ROE)

2.4781%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

3,190,257,250

Total Amount of Shares and Deposits

2,695,954,414

Total Shares and Deposits < 1 Year

2,542,192,331

Total Shares and Deposits 1 3 Years

138,653,819

Total Shares and Deposits > 3 Years

15,108,264

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

207,042,696

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

207,042,696

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

2,488,911,718

Total Interest Expense (Sum of items 6 8)

11,376,162

Share Certificates

15,351

Number of Accounts for Share Drafts

117,765

IRA KEOGH Accounts

6,552

Number of Accounts for Regular Shares

190,474

All other shares

3,798

Non Member Deposits

Money Market Shares

6,620

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)

466,399,400

Total Liabilities

2,723,176,021

Source: NCUA — Last Updated 03/31/2026

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 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 — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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.