Choose Your Loan
Share Secured Loans
Offer competitive rates by using your savings or certificates as collateral.
Fast Cash Loans
Designed for fast access to funds, these loans are ideal for immediate, short-term financial needs.
Personal Loans
Provide flexibility with no need for collateral, making them suitable for larger expenses or personal use.
Share Secured Loans | Fast Cash Loans | Personal Loans | |
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Features | Borrow against savings or certificates; lower interest rates due to collateral. | Quick approval; immediate access to cash for urgent needs. | No collateral required; higher loan amounts available. |
Best For | Those with savings or certificates to use as collateral for a lower rate. | Members needing quick access to funds for emergencies or short-term needs. | Individuals looking for flexibility without using assets as collateral. |
Share Secured Loans
Features | Borrow against savings or certificates; lower interest rates due to collateral. |
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Best For | Those with savings or certificates to use as collateral for a lower rate. |
Compare Accounts
Fast Cash Loans
Features | Quick approval; immediate access to cash for urgent needs. |
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Best For | Members needing quick access to funds for emergencies or short-term needs. |
Compare Accounts
Personal Loans
Features | No collateral required; higher loan amounts available. |
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Best For | Individuals looking for flexibility without using assets as collateral. |
Compare Accounts
Share Secured Loans
Level Up Your Purchasing Power
Our personal loans are designed to help you consolidate debt, cover unexpected expenses, or finance major purchases—without the need for collateral.
- Get quick access to funds with a simple application and fast approval process.
- Enjoy fixed monthly payments and competitive interest rates that fit your budget.
- Gain peace of mind knowing there’s no risk to your assets, since no collateral is required.

Personal Loans
Maximize Your Financial Potential
Secure a loan with your TVFCU share or certificate account to access funds at reduced interest rates while keeping your savings intact and continuing to earn dividends.
- Keep earning while you borrow, using your TVFCU Share or Certificate Account as collateral.
- Take advantage of reduced interest rates, making your loan more affordable.
- Enjoy a variety of repayment options, allowing you to choose terms that best fit your financial situation.
- Secure your loan with collateral to lower overall borrowing costs, freeing up more of your money for what matters most.

Fast Cash Loans
Need Cash Now? We’re Here for You.
FAST Cash is an affordable alternative to high-cost payday loans, giving you the funds you need, when you need it.
- Borrow $100, $250, $500, or $750, with a maximum of one FAST Cash Loan at a time.
- Repay the loan in three equal monthly installments; not tied directly to payroll deposits.
- Direct deposit into your share account or your personal checking account.
- Be the primary account holder with at least three months of membership, have consistent direct deposits, keep all accounts in good standing, and possess a valid email address.

Frequently Asked Questions
Call our Member Solutions Department at 423-643-3550 to let them know. We recommend you pay what you can today. You will be delinquent the additional amount, but you have 10 days before a late fee is incurred, and 30 days before it affects your credit report.
Your credit report is key for so many things, from financing major purchases to applying for a job. Regularly checking your credit report also helps you prevent identity theft.
Did you know that accessing your credit report is free to all members? Just log in to YOUR$ and look for the SavvyMoney credit score tool.
If you are listed as entitled to legal protections under the Servicemembers Civil Relief Act (SCRA), please go to www.militaryonesource.mil/legal or call 1-800-342-9647 for more information.
Give yourself one less bill to worry about. With our convenient loan payment transfer, your TVFCU loan is automatically paid on time — every time! Set up automatic payments inside YOUR$. You can make payments from a TVFCU account, or an account with another credit union or bank.
- Avoid late-payment penalties
- Simplify your monthly budget
- Little or no cost to you
- Safe and secure
Tennessee Valley Federal Credit Union understands that finances can be a bit tight from time to time. That’s why we offer Skip-A-Pay. Qualified members can skip one loan payment per eligible loan for a fee of $50 per loan. While interest will continue to accrue during the skip, the skipped payment is added to the end of the loan term — giving you a little reprieve from your loan payment.
As a courtesy to our members, TVFCU offers Skip-A-Pay twice a year. Here’s more information about Skip-A-Pay.
Conditions
- Loan(s) must not be more than 30 days past due and must have received six consecutive monthly payments since the last extension or origination. The six payments must be the equivalent of six months of payments without any missed payments during the six months. If paying weekly or biweekly, the member must have made six months of payments, not six payments.
- All credit union accounts must be in satisfactory status (no overdrawn accounts or loans over 30 days past due).
- Real estate loans, home equity loans, POP/BuyLine of credit loans, credit cards, share secured loans, share certificate secured loans and commercial/business loans are not eligible..
- A $50 fee applies to each Skip-A-Pay request per loan.
By participating in TVFCU’s Skip-A-Pay program, you request that TVFCU defer your loan payment(s) as indicated. You agree and understand that:
- Interest will continue to accrue at the interest rate provided in your original loan agreement, during and after this time.
- Deferring your payment will result in your having to pay more interest than if you made your payment as originally scheduled.
- The payment deferral will extend the terms of your loan(s), and you will have to make extra payment(s) through that new term date.
- You will resume your payments the following month.
- A nonrefundable fee of $50 will be charged for this service at the time the request is submitted. Please note that this is nonrefundable.
- Skipping a payment and late payment fees may reduce the amount of a Guaranteed Asset Protection (GAP) claim. Please refer to your GAP Policy for complete information. If you elected GAP or credit, life and/or disability coverage, the coverage will not be extended beyond the original maturity date.
All deferrals are subject to TVFCU approval. Eligibility requirements associated with this offer must be met, not limited to your loan(s) being current (cannot be more than 30 days past due).
For answers to common questions about Skip-A-Pay, including eligibility requirements, view our FAQ page. If you would like additional information, please call 423-634-3600.
You can request a Skip-A-Pay anytime day or night inside YOUR$ Digital Banking.
If you do not qualify for a skip, but are having a difficult time making payments, please fill out this form to request further payment assistance.
Additional Loan Resources
We Have You Covered
Choosing the right loan is a very personal decision. TVFCU offers a wide range of additional services to ensure you make the right decision for your needs.
- Use tvfcuPAY to pay TVFCU loans using an account or debit card from another financial institution. You can access tvfcuPAY inside of YOUR$, or via the tvfcuPAY portal.
- Free access to your credit report, score, and tips for improving your credit, all inside YOUR$.
- Servicemembers Civil Relief Act (SCRA) for qualified veterans. Please go to www.militaryonesource.mil/legal or call 1-800-342-9647.
- Loan Payment Transfers to ensure your TVFCU loan is automatically paid on time — every time!
- Skip-A-Pay to allow qualified members can skip one loan payment per eligible loan (fee of $50 per loan applies).

Personal Loan Rates
Loan Type | Term | Annual Percentage Rate (APR) |
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Personal Term Loan | 24 Months | 10.49% to 18.00% |
Personal Term Loan | 36 Months | 10.49% to 18.00% |
Personal Term Loan | 48 Months | 10.49% to 18.00% |
Personal Term Loan | 60 Months | 10.49% to 18.00% |
Secured Loans | Varied | Loan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan. |
Term | 24 Months |
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Annual Percentage Rate (APR) | 10.49% to 18.00% |
Term | 36 Months |
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Annual Percentage Rate (APR) | 10.49% to 18.00% |
Term | 48 Months |
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Annual Percentage Rate (APR) | 10.49% to 18.00% |
Term | 60 Months |
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Annual Percentage Rate (APR) | 10.49% to 18.00% |
Term | Varied |
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Annual Percentage Rate (APR) | Loan APR is determined by adding 2% to the dividend rate you are earning on the share account that will be secured for the loan. |
As a payment example, 60 months at 10.49% APR results in payments of $21.49 per $1,000 borrowed. To determine your actual payment, visit our rate calculator. The APR on a Share Secured Loan can be calculated by adding 2% to the APY of the share account you are using to secure the loan. For example, if your Share Account APY is 0.03%, then the APR on your Share Secured Loan will be 2.03%.
Personal Banking Solutions
HOME EQUITY
Tap Into Your Home’s Value
Leverage your home equity for flexible and affordable financing.
Learn MoreMORTGAGES
Your Homebuying Journey Starts Here
Buying or building a new home is more than a transaction.
Learn MorePERSONAL LOANS
Flexible Financing For Every Need
New car? Vacation? Surprise expense? We’ve got you covered.
Learn MoreAll rates and terms are subject to change without notice and will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Vehicle loan rates are for purchase of new or used vehicles only and are not available for refinancing existing TVFCU vehicle loans. Used vehicles are subject to inspection, if applicable. Proof of insurance is required with $1,000 deductible standard. All applicable fees for loan type selected are not included in payment quote and will be added prior to loan signing and fund disbursement.