Follow TTCU on

FAQs

Is there an annual fee to join the Credit Union?
No way!  The only requirement is that you deposit $25 (purchase of 5 shares) and keep that amount in your savings account at all times – and that money is always yours.  If you ever decide to close your accounts, you get that initial $25 back.  But we’re sure you’ll be so happy with your Credit Union membership that you would never want to leave!
    
How is a Credit Union different from a bank?
The business structure of a credit union is different from that of a bank.  Whereas both are simply financial institutions offering an array of financial products and services, credit unions operate on a not-for-profit basis.  Any profits made by the Credit Union are returned to the members – essentially the “shareholders” of the Credit Union – in the form of great savings rates, low financing rates, improved technology and delivery channels, and convenient access.  And because members are shareholders, they can rest assured that they’ll receive top-notch service.  Another key difference is that the Board of Directors for a credit union is made up of unpaid volunteers with deep-rooted connections to the common bond shared by the group for which the Credit Union was created.  
   
How do I join The Tennessee Credit Union?  Do I have to be a teacher?
No, you do not have to be a teacher.  There are over 350 ways to qualify!  You could always call your local branch and talk to a live representative to find out how you qualify, but we also have an online tool to help you figure it out on your own. Click here to find out. You can also contact our Business Development Manager at 615-780-7679 for more information or to receive a membership packet if you know you already qualify.

What is a Select Employee Group (SEG)?
A Select Employee Group, or SEG, is a business partner of The Tennessee Credit Union that secures credit union membership eligibility for its employees at no cost and without the administrative responsibility of starting up a credit union on its own.  Contact our Business Development Manager at 615-780-7679 if you have questions or would like to find out how your company can become a Select Employee Group.
     
What is my Smart Branch login information?
If you have already enrolled and were assigned login information, but you have forgotten your password, please take the following steps:
    

  1. Enter your User ID and click "Log In" as normal.
  2. Click on "Forget your password?" and follow the directions on your screen.
  3. If you are still unsuccessful, contact your local branch to have this information reset.

   
If you have not already enrolled but would like to, click "Sign Up Now!" and follow the enrollment instructions on your screen. Or, if you prefer, you may complete the printable registration form available on the Mobile & Online Services page and return it to any TTCU branch.

What is TTCU's routing  number?
264080853
  An RTN or routing transit number is the nine digit bank code that appears at the bottom of checks that identifies the financial institution on which its drawn.
     
Where can I get more information on the services I read about on this site?
Call or visit your local branch for more information. All of our branches throughout the state are full-service and are prepared to assist you with any of the services you are interested in.  Click here for a list of TTCU branches.

Are there fees to use Online Banking and Bill Payment services?
All TTCU members receive Smart Branch and BillPayer at no extra charge.  Consider it a “perk” of membership.

Are there fees for setting up or using Overdraft Protection features?
Many financial institutions charge a monthly or an annual fee to protect an account from overdrafts, but The Tennessee Credit Union does not!  Set-up, maintenance, and use of Overdraft Protection options all come with a TTCU membership.

What are the ATM usage fees?
When you have a TTCU checking account, you get unlimited use of TTCU ATMs for no extra charge.  You’re also allowed 2 withdrawals per month from non-TTCU ATMs at no charge, and it’s only $1 per withdrawal or 50 cents per transfer after that.  In addition, TTCU is part of CO-OP Network, and that translates to over 25,000 surcharge-free ATM machines across the country.

If you have more questions, please contact us.