Business Details
50+ Years
experience
Your Trusted Partner for Community-Based Financial Services
Founded in 1952, our institution began as a credit union serving Southern Railway employees and expanded in 2004 to serve broader communities across Knox, Grainger, and Union counties. As a not-for-profit cooperative, we prioritize member benefits over profit, offering competitive financial products including savings accounts, loans, and digital banking solutions. Our member-owned structure ensures decisions align with client interests through an unpaid board of directors.Recognized for over 25 consecutive years with Bauer Financial Group's Superior 5-star rating, we combine financial strength with personalized service. We emphasize accessibility through extensive ATM networks, free services, and environmentally conscious e-statements. Our commitment to community empowerment drives our mission to provide secure, convenient financial solutions tailored to local needs.
Services
Savings Accounts
Personal Loans
Online Banking
ATM Services
Credit Cards
Details
- Year established: 1952
Highlights and features
- We operate as a not-for-profit cooperative owned by our members
- We consistently offer lower loan rates and higher deposit interest
- We provide numerous free services unavailable at traditional banks
- We maintain a 25+ year record of Bauer Financial Group's 5-star rating
- Our community charter serves local residents, workers, and organizations
Services
Savings Accounts
Our savings accounts provide secure money management solutions with competitive interest rates. Members benefit from no hidden fees and flexible options tailored to different financial goals. As a not-for-profit institution, we consistently offer better returns than traditional banks while maintaining FDIC-insured deposits.
Personal Loans
We offer personal loans with favorable terms including competitive APRs and flexible repayment schedules. Our loan specialists work directly with members to determine appropriate borrowing amounts and terms. As a community-focused lender, we prioritize financial education and responsible borrowing practices.
Online Banking
Our 24/7 online banking platform enables account management from any device. Features include balance checks, fund transfers, bill payments, and e-statement access. Security measures include multi-factor authentication and real-time fraud monitoring to protect member accounts.
ATM Services
Members access surcharge-free withdrawals through extensive ATM networks including 750+ statewide and 10,000+ nationwide locations. Our ATMs provide 24-hour access with security features like real-time transaction monitoring. We also offer free mobile check deposit through our banking app.
Credit Cards
Our VISA credit cards combine competitive rates with robust security features. Members receive free fraud alerts, purchase protection, and global acceptance. The cards integrate seamlessly with our online banking system for easy management and payment options.
Questions
How do I become a member?
Membership is open to anyone living, working, or studying in Knox, Grainger, or Union counties. Visit any branch with ID and proof of address to join.
What online banking features are available?
Our platform offers account management, bill payments, fund transfers, mobile check deposit, and real-time alerts for balances and transactions.
How are your rates better than banks?
As a not-for-profit, we return earnings to members through higher deposit rates, lower loan rates, and free services unavailable at traditional banks.
What security measures protect my accounts?
We use 24/7 fraud monitoring, real-time transaction alerts, encrypted connections, and biometric authentication to safeguard member information and funds.
Where can I use ATMs without fees?
Access 750+ free ATMs statewide and 10,000+ nationwide through our partnerships with Easy Street, MoneyPass, and Weigels locations.
What financial education resources exist?
We provide budgeting tools, savings calculators, and personalized financial counseling to help members make informed money management decisions.
