Business Details
Your Trusted Credit Union in Chattanooga, TN
Trust Federal Credit Union has been dedicated to empowering members through personalized financial solutions and community-focused initiatives. As Chattanooga's only Community Development Financial Institution (CDFI) credit union, we prioritize financial wellness by offering free tools like credit monitoring and budget assistance. Our commitment to underserved communities has resulted in over $350 million in loans to target markets since 2015. We provide a full range of competitive financial products, including checking accounts, savings plans, IRAs, share certificates, and loan options for vehicles, homes, and personal needs. Our local branches and nationwide network of 60,000 free ATMs ensure convenient access to services.With extended weekday hours and Saturday availability at select locations, we accommodate diverse member schedules. Our team combines industry expertise with a deep understanding of local financial needs to deliver trustworthy, transparent solutions. By choosing Trust Federal Credit Union, members benefit from a partner that values both individual success and community development. Our decades of service and CDFI accreditation demonstrate our authority in ethical, member-centric banking. We maintain rigorous compliance standards to ensure secure, reliable financial management for every client.
Services
Checking
Savings
IRAs
Share Certificates
Vehicle Loans
Personal Loans
Home Loans
Loan Payments
Financial Calculators
Credit Monitoring
Highlights and features
- We offer competitive APRs on vehicle, personal, and home loans
- Our CDFI certification demonstrates commitment to underserved communities
- Free financial wellness tools including credit monitoring and budget assistance
- Access to 60,000+ free ATMs nationwide and 5,000+ shared branches
- Local branches with extended weekday hours and Saturday availability
Associations and certifications
- CDFI
Services
Vehicle Loans
Our vehicle loans feature competitive rates starting at 4.99% APR with flexible terms. We finance new and used cars, trucks, and motorcycles for primary and secondary vehicles. Members benefit from personalized loan structuring and quick approval processes.
Personal Loans
Personal loans start at 9.99% APR for debt consolidation, home improvements, or emergency expenses. We offer fixed-rate terms up to 60 months with no prepayment penalties. Online application and local branch support available.
Home Loans
We provide conventional, FHA, and VA home loans with competitive rates and down payment assistance options. Our mortgage specialists guide members through purchase and refinance transactions with local decision-making.
Checking
Our checking accounts offer no monthly maintenance fees, free debit cards, and mobile banking features. Members access nationwide ATMs and enjoy overdraft protection options linked to savings or lines of credit.
Financial Calculators
Free online calculators help members plan savings goals, loan payments, and retirement strategies. Tools include mortgage payment estimators, compound interest calculators, and debt payoff timelines for informed financial decisions.
Questions
How do I join Trust Federal Credit Union?
Visit our website to apply online or visit any local branch. Membership requires a $5 minimum deposit to your share account. We offer free financial tools and credit monitoring to all members.
What loan rates do you currently offer?
Current rates start at 4.99% APR for vehicle loans, 9.99% APR for personal loans, and 5.99% APR for HELOCs. Visit our rates page for complete details and disclosures.
Do you have ATMs nationwide?
Yes, our members access over 60,000 free ATMs nationwide through our shared network. Local branches in Chattanooga also provide in-person service and drive-thru convenience.
How does Trust FCU support the community?
As a CDFI, we've invested $350M+ in loans to underserved populations since 2015. Our financial literacy programs and free budgeting tools help members achieve long-term financial stability.
What digital banking features are available?
Our online banking includes mobile check deposit, bill pay, account alerts, and loan payment options. Download our mobile app for 24/7 access to your accounts from any smartphone or tablet.