Business Details
50+ Years
experience
Your Trusted Financial Partner in Atoka, TN
Established in 1967, West Tennessee Credit Union operates as a not-for-profit mutual benefit financial cooperative, dedicated to serving members who share a common bond. Our mission centers on delivering high-quality, friendly, and fair financial services while maintaining long-term stability and safeguarding member assets. We prioritize offering competitive financial products, a wide variety of services, and strategic planning to meet current and future financial needs.Our operations emphasize safety, integrity, and efficiency, ensuring members receive personalized attention and community-focused solutions. With a commitment to transparency and member ownership, we strive to be a trusted partner in financial growth and security.
Services
Checking Accounts
Savings Accounts
Vehicle Loans
Mobile Banking
ATM Access
Online Bill Pay
Personal Loans
Credit Cards
Share Certificates
Direct Deposit
Details
- Year established: 1967
Highlights and features
- We provide 24/7 phone access to account information and transactions.
- Our loan programs feature competitive annual percentage rates for various needs.
- Lifetime membership requires only a $25 share-savings deposit.
- Access surcharge-free ATMs through partnerships with Shelby County Federal Credit Union.
- We prioritize personalized service with a focus on member ownership benefits.
Services
Checking Accounts
Our share draft accounts function as personal checking accounts with overdraft protection options. Members enjoy online and mobile banking, bill payments, and direct deposit access. Minimum $100 opening deposit ensures easy account management and financial flexibility.
Vehicle Loans
Competitive APR financing for new and used vehicles, including cars, motorcycles, and recreational vehicles. Loan terms and rates cater to diverse credit profiles, with streamlined application processes for quick approval and funding.
Mobile Banking
24/7 account access via mobile devices enables balance checks, transfers, bill payments, and remote check deposits. Free and user-friendly apps support secure financial management anytime, anywhere, enhancing member convenience.
Savings Accounts
Low-minimum savings accounts offer quarterly dividends and multiple options including regular savings, certificates, and IRAs. No monthly fees and flexible terms help members achieve short-term goals and long-term financial growth.
ATM Access
Surcharge-free access to ATMs through partnerships with Shelby County Federal Credit Union and national networks. Locations in Memphis and Atoka provide convenient cash withdrawals, balance checks, and deposit capabilities.
People
Ken Newberry
President
Ken Newberry leads West Tennessee Credit Union with a focus on operational excellence and member relationships. He ensures strategic growth while maintaining the credit union's community-centric values and financial integrity.
Betty Ball
Customer Service Representative
Betty Ball provides personalized support to members, addressing account inquiries and service needs. Her dedication to friendly, efficient assistance aligns with the credit union's commitment to exceptional member experiences.
Crystal McClain
Atoka Branch Manager
Crystal McClain oversees daily branch operations, ensuring smooth service delivery and member satisfaction. She focuses on building local relationships while maintaining operational standards and community engagement.
Lisa Wimberly
Compliance Officer
Lisa Wimberly ensures regulatory compliance and risk management across all credit union operations. Her expertise safeguards member assets and maintains adherence to financial industry standards and internal policies.
Teresa Robison
Accounting Manager
Teresa Robison manages financial reporting and accounting processes with precision. She ensures accurate record-keeping and fiscal transparency, supporting the credit union's long-term stability and member trust.
Questions
How do I become a member of West Tennessee Credit Union?
Open a share-savings account with a $25 deposit to establish lifetime membership. Additional eligibility requirements apply based on our common bond criteria.
What loan options are available?
We offer vehicle loans, personal lines of credit, recreational vehicle loans, and VISA credit cards with competitive APRs. Loan terms vary based on creditworthiness and collateral.
Can I access ATMs outside Atoka?
Yes, our members use surcharge-free ATMs in Memphis through partnerships and national networks. Download our MoneyTower app to locate nearby machines.
Is mobile banking secure?
Our mobile app uses encryption and multi-factor authentication to protect accounts. Features include remote check deposits, bill payments, and real-time transaction monitoring.
What are the branch hours?
Monday-Thursday: 8:30 AM - 4:30 PM, Wednesday: 8:30 AM - 12:00 PM. Closed weekends and major holidays as posted.
