Trust Federal Credit Union

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A short history of Trust FCU

Since its inception in 1934 the Trust Federal Credit Union has been serving its members in the Chattanooga, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by David Smart, the Trust FCU has grown its membership to over 8,846 with assets of more than $75,579,916. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (423) 870-7610 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Chattanooga, TN.

General Information For Trust FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24629
Address 7386 Applegate Lane 
City Chattanooga 
State Tennessee 
Zip-Code 37421
Phone Number (423) 870-7610
Fax Number () -
Email Address:
CEO/President David Smart
Members 8,846 
Full-Time Employees 30 
Part-Time Employees
Number of Branch Offices
Total Assets 75,579,916 

Compare Trust Federal Credit Union To Other Local Credit Unions

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Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Memorial CU Memorial Credit Union 2525 Desales Ave Ste 100 37404 (423) 622-2379 No 0.96
Basf Chattanooga CU BASF Federal CU 2120 Polymer Dr 37421 (423) 892-2938 No 2.43
Chattanooga Federal Employees CU Chattanooga Federal Employees Credit Union 2011 Stein Dr 37422 (423) 892-3738 No 2.47
I B E W 175 CU IBEW175 FEDERAL CREDIT UNION 3922 VOLUNTEER DR STE 11 37416 (423) 899-1017 No 3.81
Tenn-am Water Co. CU TN-Am Water CU 4827 Highway 58 37416 (423) 855-8466 No 4.64

Trust Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Trust Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 2.75 2.99 3.75 3.49
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 115 91 102 55
Rank Among All Tennessee Credit Unions N/A 25 8 17 3

Trust Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.15 0.30 0.50 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 119 97 263 243
Rank Among All Tennessee Credit Unions 13 14 14 33 34
Trust Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 7.2501,0264,189,826
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.7504839,941,588
Used Vehicle Loans 2.9902,34327,211,529
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.75012411,946,201
Total Other Real Estate Loans/Lines of Credit 3.4902226,651,169
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.2503672,224,636
TOTAL LOANS & LEASES 4,56562,164,949

Trust Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 301,289,092125,000
    a. > 15 years 808,905,869101,183,350
    b. 15 Years or less 131,667,49000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 183,75000


Closed-End Fixed Rate 14403,494125,125
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 2086,247,675211,176,975
Open-End Fixed Rate 0000
TOTALS 34618,597,370332,410,450


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Trust Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes