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TruStage Insurance Program 

TruStage Insurance: Simple, Straightforward, Designed to Fit your Budget.

Insurance is part of a solid financial plan. From finding a policy that fits your budget to making sure your coverage is adequate, dependable insurance can help give you peace of mind today and financial relief when you need it.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most.

To get quotes or just explore your options, visit

Insurance, Cell Phone Protection and Identity Theft Protection products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Insurance and other products may be purchased outside of those provided with the packages noted, from an agent or an insurance company of the Member’s choice and cost; and Credit Union makes no representations as to the services of any providers.

The Winner’s Circle

It’s our way of giving back to TVFCU members who actively support the Credit Union through their account relationships. The Winner’s Circle is designed to provide members with increasing levels of rewards based on their combined deposit and loan balances. The greater your account relationship with us the greater your rewards. Bonus dividend rates and/or loan discounts may be periodically available based on reward levels in The Winner’s Circle. See our fee schedule for a detailed listing of the benefits available at each reward level of the Winner’s Circle.

It’s Easy to Qualify 

Any TVFCU member in good standing can take advantage of the special rewards available in the Winner’s Circle. And we offer four reward levels with increasing benefits and discounts as your combined deposit and loan balances increase.

The Winner’s Circle starts at the Star level for members with combined deposit and loan balances below $5,000. Move up to the Ribbon level with balances of $5,000 to $9,999. For members with balances of $10,000 to $24,999, the Medallion level provides additional rewards. And the exclusive Trophy level is for members with a combined balance of $25,000 or more.

The Bigger Your Balance — the Better Your Rewards

Your reward level is based on your combined average daily deposit and loan balances. For each of your deposit accounts, we calculate the average daily deposit balance (sum of daily balances divided by number of days) for the previous calendar month. These balances are then added to the loan balances as of the current month’s statement date. Your reward level is printed on the last page of your statement and is effective as of your current statement date.

Whenever your reward level changes you will be notified by a special message printed on the last page of your statement. Members moving up to a higher Winner’s Circle Rewards level will begin receiving additional benefits as of the statement date. Members moving to a lower Winner’s Circle Rewards level will have until the next statement date to increase their relationships if they choose to retain their current level of rewards.

Sign Up Today!

Actually, you already did! Winner’s Circle Rewards will be available for all our members at anytime. 

If you would like to maximize your Winner’s Circle Rewards, you can elect to have your reward level determined using the combined deposit and loan balances of everyone in your household. To do this, simply compete a “Householding Opt-In Form”. You may pick one up at your local branchdownload it here or contact us and request one be mailed to you.

Return the Householding Opt-In Form to:

Tennessee Valley Federal Credit Union
Attn: The Winner’s Circle
P.O. Box 23967
Chattanooga, TN 37422

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