Business Details
Your Trusted Community Credit Union in Chattanooga, TN
Trust Federal Credit Union is a community-focused financial institution dedicated to empowering members through accessible, innovative financial solutions. Since our founding, we have prioritized financial wellness by offering free tools like credit monitoring and budget assistance, helping individuals take control of their economic futures. As Chattanooga's only Community Development Financial Institution (CDFI) credit union, we channel resources into underserved communities, having invested over $350 million in loans to low-income markets since 2015. Our commitment to personalized service extends through three local branches, 5,000 shared branch locations, and 60,000 free ATMs nationwide. We specialize in tailored financial products including competitive vehicle loans, personal loans, home loans, and savings vehicles like IRAs and share certificates.Our digital banking platform and shared branching network ensure convenience while maintaining the human touch that defines our community ethos. By choosing Trust FCU, members gain access to financial expertise that balances individual prosperity with collective community development. Our extended hours at select branches, including Saturday availability, reflect our dedication to meeting diverse customer needs. Through transparent fee structures and member-centric policies, we build lasting relationships grounded in trust and mutual growth. Our team combines industry experience with local market knowledge to deliver solutions that align with both personal and community financial health.
Services
Vehicle Loans
Personal Loans
Home Loans
IRAs
Share Certificates
Savings Accounts
Checking Accounts
Loan Payments
Financial Calculators
Membership
Highlights and features
- We offer free financial wellness tools including credit monitoring and budget assistance
- As a CDFI, we reinvest $350M+ into underserved communities since 2015
- Competitive APRs on vehicle, personal, and home loans available
- Access 60,000 free ATMs and 5,000 shared branch locations nationwide
- Local branches with extended Saturday hours for greater convenience
Associations and certifications
- CDFI
Services
Vehicle Loans
Competitive APR vehicle loans for new and used car purchases. Our streamlined approval process and flexible terms help members secure reliable transportation. Dedicated loan specialists provide personalized guidance throughout the financing journey.
Personal Loans
Flexible personal loans for debt consolidation, home improvements, or life events. Competitive rates starting at 9.99% APR with transparent fee structures. Quick application process and same-day approval options available.
Home Loans
Comprehensive home financing solutions including purchase loans and refinancing options. Our local loan officers offer expertise in conventional, FHA, and VA loan programs to meet diverse homeownership needs.
Share Certificates
Secure savings vehicles with guaranteed returns through competitive CD rates. Terms ranging from short-term to long-term investments, including the 6-month certificate offering 4.15% APR.
Financial Calculators
Free online calculators for loan amortization, savings growth, and budget planning. Interactive resources help members make informed financial decisions without requiring account login.
Questions
How do I become a Trust FCU member?
Membership requires a $5 minimum deposit to our savings account. We serve Chattanooga residents and those working in Hamilton County through our CDFI designation.
What loan types do you offer?
We provide vehicle loans, personal loans, home loans, HELOCs, and specialized financing options. Competitive rates start at 4.99% APR for qualified borrowers.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA, providing security for your savings and checking accounts.
What is your ATM network coverage?
Access 60,000 surcharge-free ATMs nationwide through our shared network, with three local branches offering additional in-person services in Chattanooga.
What makes Trust FCU different?
As a CDFI credit union, we uniquely combine community reinvestment with competitive financial products, having directed $350M+ to underserved markets since 2015.
Do you offer online banking?
Yes, our digital banking platform provides 24/7 account access, bill pay, mobile check deposit, and loan management tools through secure online and mobile applications.