Credit Unions in Cleveland, TN
5 member-owned, NCUA-insured credit unions headquartered in or near Cleveland, serving a combined 8,619 members. The largest is Cleveland-Bradley Cty Teacher. 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.
Cleveland-Bradley Cty Teacher
CLEVELAND, TN🇺🇸
4,391 members
Credit Unions & BankingView details →Appliance
CLEVELAND, TN🇺🇸
1,950 members
Credit Unions & BankingView details →Pathway
CLEVELAND, TN🇺🇸
970 members
Credit Unions & BankingView details →Smart Choice
CLEVELAND, TN🇺🇸
824 members
Credit Unions & BankingView details →B. M. H.
CLEVELAND, TN🇺🇸
484 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Cleveland: they are based in or near Cleveland. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Cleveland
2 more credit unions headquartered elsewhere have a branch in Cleveland, 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.
Tennessee Valley
Chattanooga, TN🇺🇸
181,021 members
Credit Unions & BankingView details →Bowater Employees
Calhoun, TN🇺🇸
20,903 members
Credit Unions & BankingView details →- Tennessee Valley — branches: 180 Stuart Xing NE Cleveland, TN 37312; 2440 Treasury Dr SE Cleveland, TN 37323; 4615 Georgetown Rd NW Cleveland, TN 37312
- Bowater Employees — branches: 4531 Hardwick Farms Pkwy NE Cleveland, TN 37312-4073; 1040 King St SE Cleveland, TN 37311
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 Cleveland 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 Cleveland — common questions
How many credit unions are in Cleveland?
5 member-owned, NCUA-insured credit unions are headquartered in or near Cleveland, Tennessee, with a combined 8,619 members. The largest is Cleveland-Bradley Cty Teacher.
Are these the closest credit unions to me in Cleveland?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Cleveland, geocoded to the city. The second list adds 2 more credit unions headquartered elsewhere that NCUA shows with a branch in Cleveland, 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 Cleveland?
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 Cleveland?
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.