Credit Unions in Chattanooga, TN
12 member-owned, NCUA-insured credit unions headquartered in or near Chattanooga, serving a combined 229,095 members. The largest is Tennessee Valley. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Tennessee Valley
Chattanooga, TN🇺🇸
174,941 members
Credit Unions & BankingView details →Comtrust
CHATTANOOGA, TN🇺🇸
17,785 members
Credit Unions & BankingView details →Chattanooga Area Schools
CHATTANOOGA, TN🇺🇸
12,383 members
Credit Unions & BankingView details →Trust
Chattanooga, TN🇺🇸
7,704 members
Credit Unions & BankingView details →Healthcare Services
CHATTANOOGA, TN🇺🇸
3,116 members
Credit Unions & BankingView details →Chattanooga Federal Employees
Chattanooga, TN🇺🇸
2,836 members
Credit Unions & BankingView details →Epb Employees
CHATTANOOGA, TN🇺🇸
2,483 members
Credit Unions & BankingView details →Bcbst Employees
CHATTANOOGA, TN🇺🇸
1,736 members
Credit Unions & BankingView details →Southern
Chattanooga, TN🇺🇸
1,642 members
Credit Unions & BankingView details →I B E W 175
CHATTANOOGA, TN🇺🇸
1,625 members
Credit Unions & BankingView details →Chattanooga First
CHATTANOOGA, TN🇺🇸
1,563 members
Credit Unions & BankingView details →Memorial
Chattanooga, TN🇺🇸
1,281 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Chattanooga, not that it is the nearest branch to you.
How to join a credit union in Tennessee
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Chattanooga or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Chattanooga — common questions
How many credit unions are in Chattanooga?
12 member-owned, NCUA-insured credit unions are headquartered in or near Chattanooga, Tennessee, with a combined 229,095 members. The largest is Tennessee Valley.
Are these the closest credit unions to me in Chattanooga?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Chattanooga — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Chattanooga?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Tennessee accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Chattanooga?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.