Credit Unions in Chattanooga, TN
12 member-owned, NCUA-insured credit unions headquartered in or near Chattanooga, serving a combined 234,322 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🇺🇸
181,021 members
Credit Unions & BankingView details →Comtrust
CHATTANOOGA, TN🇺🇸
17,379 members
Credit Unions & BankingView details →Chattanooga Area Schools
CHATTANOOGA, TN🇺🇸
12,302 members
Credit Unions & BankingView details →Trust
Chattanooga, TN🇺🇸
7,535 members
Credit Unions & BankingView details →Healthcare Services
CHATTANOOGA, TN🇺🇸
3,139 members
Credit Unions & BankingView details →Epb Employees
CHATTANOOGA, TN🇺🇸
2,888 members
Credit Unions & BankingView details →Chattanooga Federal Employees
Chattanooga, TN🇺🇸
2,827 members
Credit Unions & BankingView details →I B E W 175
CHATTANOOGA, TN🇺🇸
1,662 members
Credit Unions & BankingView details →Southern
Chattanooga, TN🇺🇸
1,606 members
Credit Unions & BankingView details →Bcbst Employees
CHATTANOOGA, TN🇺🇸
1,419 members
Credit Unions & BankingView details →Chattanooga First
CHATTANOOGA, TN🇺🇸
1,272 members
Credit Unions & BankingView details →Memorial
Chattanooga, TN🇺🇸
1,272 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Chattanooga: they are based in or near Chattanooga. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Chattanooga
3 more credit unions headquartered elsewhere have a branch in Chattanooga, TN. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Southeast Financial
FRANKLIN, TN🇺🇸
52,635 members
Credit Unions & BankingView details →Scenic Community
Hixson, TN🇺🇸
14,577 members
Credit Unions & BankingView details →Kemba Louisville
Louisville, KY🇺🇸
4,009 members
Credit Unions & BankingView details →- Southeast Financial — branch: 512 National Ave Chattanooga, TN 37404
- Scenic Community — branch: 8171 E Brainerd Rd Chattanooga, TN 37421-4302
- Kemba Louisville — branch: 1317 Hickory Valley Rd Chattanooga, TN 37421-5604
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 234,322 members. The largest is Tennessee Valley.
Are these the closest credit unions to me in Chattanooga?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Chattanooga, geocoded to the city. The second list adds 3 more credit unions headquartered elsewhere that NCUA shows with a branch in Chattanooga, as of June 30, 2026. A credit union can serve a wider area than its branches. 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.