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Financial Topics & Tips

The Benefits of Belonging

Now it's better time than ever to belong to The Tennessee Credit Union.  Credit unions have a long history of helping people establish themselves financially and improve their financial profiles:  That hasn’t changed.  But now, through cooperative programs like shared branching and CO-OP Network ATMs, The Tennessee Credit Union also offers cutting edge convenience and security.  Members get all of the benefits of dealing with a nationwide network while enjoying the personalized service that The Tennessee Credit Union was built upon.

As credit unions become more competitive in areas like ATM access and online banking, they may look increasingly like banks from the outside.  But from the inside out, credit unions are unique.  Instead of operating for the benefit of shareholders, as banks do, credit unions are owned by their members, for their members.  When you join and open a The Tennessee Credit Union account, you become a shareholder.

What this means, in practical terms, is that your membership at The Tennessee Credit Union offers you access to lower interest rates on loans, significantly lower fees on accounts, and higher rates on savings.  Because The Tennessee Credit Union is a not-for-profit organization, any excess funds collected are returned to you, our shareholders, in the form of dividends. 

Credit unions have been innovators in bringing the convenience of nationwide banking to their members without sacrificing the spirit of community.  For example, The Tennessee Credit Union has teamed up with CO-OP Network, one of the nation’s largest ATM networks with 28,000 locations, to bring you access to surcharge-free ATMs across the country and around the world.  You can find a CO-OP Network ATM near you by visiting  Or simply drop by a 7-Eleven store: surcharge-free CO-OP Network ATMs are available in 5,500 7-Eleven stores nationwide. 

Need to visit a branch?  CO-OP Shared Branching allows The Tennessee Credit Union members to visit any credit union branch that displays the CU Service Center logo on its door to make deposits or withdrawals, post loan payments, or access VISA and MasterCard advances just as they would at our home branches. 

The Tennessee Credit Union offers nearly everything else a nationwide bank might offer—online account access, credit and debit cards, mortgages, lines of credit and more!  But we do it within a member-focused philosophy, where our goal is to help our members achieve financial health, not just boost our bottom line..

For generations, credit unions have been an excellent choice for people who wanted to cultivate their own financial health.  Now, that choice gives you more and more access to convenience and services too.  It’s all yours and—at The Tennessee Credit Unionit belongs to you, our shareholders.  To apply for membership, click here.