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Trust Federal Credit Union

Popular Accounts at this Credit Union

1.15%1-year CD12 Month CD
1.55%3-year CD30 Month CD Special

Overview / Commentary
7386 Applegate Ln
Chattanooga, TN 37421-5200

Trust Federal Credit Union is headquartered in Chattanooga and is the 41st largest credit union in the state of Tennessee. It is also the 1,886th largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 30 employees and 8,846 members at 6 locations. Trust Federal Credit Union's CD rates are 28% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in downtown Chattanooga. Membership is also available to members of the Chattanooga Audobon Society and employees of CIGNA, UNUM, or WestRock.
See current membership details

Reviews (1)

Nice credit union

Posted by: GnomePsych | Sep 6, 2017

I opened an account with this credit union when I became a Cigna employee. I only had a small savings account originally, but they were always helpful with my questions regarding saving bonds, certificates, etc. I then opened a money market checking with them because it was free. Several years later I bought my first brand new car. This CU gave me a fabulous rate on a car loan and made the entire process very easy. Fast forward three more years and I wanted to re-fi my home. I worked with a loan officer over the phone and it was seamless. She was so nice and professional and I never had to go in to the office. She sent everything via email. This was wonderful service by this credit union employee. I cannot say enough about them. Also, when I call I get a real person that is always very helpful. They rock!!

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Trust Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24629
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.22%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$75.6MM$65.8MM
LoansQ2 2017vs Q2 2016$62.2MM$57.2MM
DepositsQ2 2017vs Q2 2016$67.6MM$58.2MM
Equity CapitalQ2 2017vs Q2 2016$7.5MM$7.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$520.00K$287.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.6MM$790.00K
Real Estate OwnedQ2 2017vs Q2 2016$93.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Trust Federal Credit Union Savings Account Rates

0.45%*$50k*-Premium Savings
OTHER TIERS: 0.40% $10k - $50k
0.45%*$50k*-Accumulative IRA Account
OTHER TIERS: 0.35% $100 - $10k | 0.40% $10k - $50k
0.15%--Holiday Club Account

Trust Federal Credit Union Money Market Rates

0.40%$10k-Premium Money Market Account
0.30%$2,500-Money Market Account

Trust Federal Credit Union Checking Account Rates

0.15%$100-Golden Years Checking Account
0.05%$750-Plus Checking Account

Trust Federal Credit Union CD Rates

1.60%$500-36 Month CD
1.55%$500-30 Month CD Special
1.45%$500-24 Month CD
1.35%$500-18 Month CD
1.25%$500-15 Month CD Special
1.15%$500-12 Month CD
0.80%$500-6 Month CD

Trust Federal Credit Union IRA Rates

1.60%$500-36 Month IRA CD
1.55%$500-30 Month IRA CD Special
1.45%$500-24 Month IRA CD
1.35%$500-18 Month IRA CD
1.25%$500-15 Month IRA CD Special
1.15%$500-12 Month IRA CD
0.80%$500-6 Month IRA CD

Trust Federal Credit Union Locations
Branch Office2186 Northgate Park LnChattanooga, TN 37415-6911
Branch Office1529 Gunbarrel RdChattanooga, TN 37421
Branch Office7555 Goodwin RdChattanooga, TN 37421
Branch Office500 Walnut St Ste 108Chattanooga, TN 37402-1305
Corporate Office7386 Applegate LnChattanooga, TN 37421-5200
Branch Office1740 Dayton BlvdChattanooga, TN 37405