Terms & Conditions

All rates and terms are subject to change without notice and will vary depending on the strength of the 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 a standard $1,000 deductible.

All applicable fees for the selected loan type are not included in the payment quote and will be added prior to loan signing and fund disbursement.

I authorize Tennessee Valley Federal Credit Union to obtain my credit history. I understand that automatic loan approvals may be issued subject to TVFCU reviewing my employment history and verifying my income. TVFCU may obtain information from others about me and give information to others. I authorize TVFCU to issue any credit devices requested by me. I understand that all funds advanced to me will be subject to the terms and conditions of the loan agreement. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or state chartered credit unions insured by the NCUA.

By submitting this application electronically, I agree to the same terms that apply to a signed application. If there is a co-applicant on this loan, that co-applicant has authorized the submission of this application. This electronic submission qualifies as my signature. I understand that I/we will have to sign loan documents before funds can be disbursed. Alimony, child support or separate maintenance income need not be included if you do not wish to have it considered as a basis for repaying this obligation.

If this proposal is accepted, all applicable fees will be added prior to signing and fund disbursement, but Payment Protection is included in the proposed payment above. Please click on the corresponding link(s) above if you would like to recalculate your proposed loan payment without Payment Protection.

These PDFs are provided as a service to our members interested in a Home Equity Line of Credit (HELOC).  For more about our HELOCs, visit the HELOC page.

HELOC Booklet

HELOC Early Disclosure

PLEASE READ THESE WEBSITE TERMS OF USE (the “Agreement”) CAREFULLY BEFORE ACCESSING OR USING THIS WEBSITE.

This Agreement is subject to Arbitration under the state laws as stated in the Membership Agreement in the Section titled “Resolving Claims” and The Federal Arbitration Act §9 USC 1 ET SEQ. on pages 49-53. This Section explains any opt-out rights you may have and steps to exercise such rights. These terms are incorporated herein as though stated verbatim.

Tennessee Valley Federal Credit Union (TVFCU) and/or any of its affiliated companies (herein referred to as “Credit Union”, “we”, “us”, and/or “our”; the terms “we”, “us”, and/or “our” may also refer to contractors and service providers engaged by Credit Union companies to support their business activities, as the context may require) own, operate, or control this website and the pages thereof (collectively, the “Website”) in order to provide information about and/or to deliver products and services offered by Credit Union and for other business purposes. We require all users and viewers of our Website to agree to the terms of this Agreement as a condition to accessing or using our Website. BY ACCESSING THIS WEBSITE, YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THE TERMS OF THIS AGREEMENT.  IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS WEBSITE.  WE MAY MODIFY THIS AGREEMENT AT ANY TIME AND FROM TIME TO TIME IN OUR SOLE DISCRETION WITHOUT NOTICE TO YOU.  YOU SHOULD PERIODICALLY REVIEW THIS AGREEMENT CAREFULLY IN ORDER TO MAKE SURE THAT YOU ARE AWARE OF THE MOST CURRENT TERMS AND CONDITIONS FOR THE USE OF OUR WEBSITE. ANY USE OR VIEWING OF OUR WEBSITE BY YOU AFTER ANY CHANGE TO THIS AGREEMENT, WHETHER OR NOT YOU HAVE REVIEWED THE AMENDED AGREEMENT, CONSTITUTES YOUR ACCEPTANCE OF THE AGREEMENT AS CHANGED. We may modify, suspend, restrict, or discontinue the operation, maintenance or provision of this Website, any pages thereof, and/or any related content, features, products or services, or the terms thereof, at any time without notice or liability to you or any third party. Any rights granted to you herein shall terminate immediately should you violate any provision of this Agreement. Credit Union, in its sole discretion, reserves the right to terminate your access to and use of the Website at any time and for any reason whatsoever without notice. Credit Union will not be liable to you for any termination of your access to or use of the Website.

You acknowledge and agree that Credit Union, our licensors, and/or our service providers own all rights to this Website and the content and works of authorship displayed on the Website, including, without limitation, text, software, photos, images, audio, video and graphics (collectively, the “Site Property”). You are authorized to access, view and use the Site Property only for your own informational, noncommercial purposes, or as otherwise expressly permitted pursuant to the terms of this Agreement or pursuant to the express terms of use regarding any specific product or service available through the Website. Unless otherwise expressly authorized by us, you may not copy, reproduce, retransmit, disseminate, display, publish, sell, broadcast, circulate, distribute, commercially exploit, or create derivative works from any Site Property in any form. You further agree not to reverse engineer or reverse compile any of our technology associated with the Site Property. You further acknowledge and agree that the Credit Union names and logos and all related product and service names, design marks and slogans, as well as other trade and service marks appearing on the Website (collectively, the “Marks”), are the property of Credit Union, our licensors and/or our service providers. You are not authorized to use such Marks without our prior express written consent and/or the prior express written consent of the owner of the applicable Mark. You acknowledge that, except as expressly provided in this Agreement, we have granted you no license or rights whatsoever in or to any Site Property or Marks, and we and/or our licensors and service providers retain all rights therein. Credit Union reserves all rights not expressly granted in this Agreement.

You are responsible for obtaining and maintaining all services, software, and equipment necessary for you to access and use the Website. We are not responsible or liable to you for any errors or failures resulting from defects in or malfunction of your equipment, software, or services, nor are we responsible or liable to you for any virus, service malfunction, equipment failure, or related problems that may be associated with the use of an online system.  WE MAKE NO WARRANTY, EITHER EXPRESS OR IMPLIED, TO YOU REGARDING YOUR EQUIPMENT, SOFTWARE, OR SERVICES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

If you have an account or plan to open an account with Credit Union, you agree to provide Credit Union with current, complete, and accurate information about you as prompted by the applicable registration process. You further agree to regularly update this information to maintain its completeness and accuracy. You agree to use this Website to access only those accounts on which you are authorized to act, and to use your own credentials when accessing accounts on which you are authorized to act. You are solely responsible for all activities that occur in connection with your credentials. If you become aware of any suspicious or unauthorized conduct concerning your accounts or credentials, you agree to contact Credit Union immediately. You are responsible for protecting the security of any credentials you use in connection with our Website and the security and integrity of any materials you download from our Website.

We take commercially reasonable measures to protect the security of information electronically transmitted to us through the use of customer service information forms integrated into our Website. However, we advise you to exercise caution when sending us email (for example, to idealeap@tvfcu.com or to another Credit Union internet email address) as such transmissions may not be secure. For example, email may be intercepted by a third party or may not be immediately received by the designated person or department. Please do not use email to send us confidential or privileged information (such as account numbers or financial information), information that may need our immediate attention, or information we have required you to send us in a signed writing or by other express means. We will not be liable to you for any losses or damages incurred as a result of the interception or unauthorized use by any third party of any information transmitted by you via insecure email or as a result of your use of email for the transmission of, or our failure to respond to email that includes, information that we have required you submit through another express means or medium. If you communicate with us via email or via a messaging application within our Website, you may receive an automated response acknowledging that you have transmitted a message to us. However, the automated response does not mean that we actually have received, reviewed, or taken any action in response to your message or that we have committed to take any action in response to your message. You are welcome to contact us directly by telephone during our business hours at 1-800-634-3600.

Your individual access and use of our Website may be monitored and recorded for Credit Union’ internal business purposes, without liability. You acknowledge and agree that when you submit any information to us through our Website you are submitting such information to all of the Credit Union companies collectively and that such information may be disclosed and transferred among such companies and their respective agents and service providers, subject to the provisions of applicable law. You further agree that we may disclose any information you submit (i) if we have a right or duty to do so, (ii) if we are compelled or permitted by law to do so, (iii) as directed by you, and/or (iv) as necessary to provide you with products or services you have requested.  Any information, feedback, questions, concepts, comments, suggestions, ideas or the like which you send to us by or through our Website, or at any email address we have provided at our Website, will be treated as being nonconfidential and nonproprietary as to you, and we will be free to use the same or any information contained therein for any purpose whatsoever (including, without limitation, for the purposes of developing and marketing products and services) without paying any compensation to you, and the same shall be deemed our property upon receipt.  Nothing herein shall be construed as limiting the responsibilities and obligations as set forth in our ABC Federal Credit Union Privacy Notice. The terms of this Agreement also are supplemented by our Online Privacy Notice, the terms and conditions of which are incorporated herein by reference.

You agree not to use our Website for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, obscene, or that infringes the rights of others.  You also agree that your use of our Website is personal to you and that you will not resell or assign use of our Website or make any unauthorized commercial use of our Website. You agree that we may display advertisements and promotions of all kinds on the Website. You agree not to use or attempt to use this Website or any part of this Website in any way or for any purpose that (i) attempts to probe, scan, or test the vulnerability of any services, systems, networks, servers, or accounts related to the Website, (ii) attempts to gain unauthorized access to materials, services, systems, networks, servers, or accounts connected or associated with the Website through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication, or security device of the Website, (iii) attempts to redeliver, reproduce, or circumvent any page, text, image, or materials on the Website, (iv) transmits any harmful or disabling computer codes or viruses, (v) interferes with our network services, (vi) interferes with or induces a breach of the contractual relationships between Credit Union and its customers or service providers, (vii) dilutes or depreciates the name and reputation of Credit Union or any of its affiliates, (viii) transmits or uploads pornographic, violent, obscene, sexually explicit, discriminatory, hateful, threatening, abusive, defamatory, offensive, harassing, or otherwise objectionable content or images, or (ix) otherwise interferes with the Website’s functionality.

With respect to your account and your online conduct, you agree to comply with all laws, rules, codes, and regulations of the United States, including without limitation, all laws, rules, codes, regulations, decrees, acts, orders, directives, legislation, bills, and statutes pertaining to tax, contracts, intellectual property, securities, e-commerce, banking, technology, computers, fraud, data security, and privacy.

Not all products and services described in our Website are available in all geographic areas, and the terms of certain products and services may vary from geographic area to area.  You may not qualify for certain products and services, and we reserve the right to determine eligibility for any product or service.  Products and services described, as well as fees, charges, terms and conditions relating to such products and services, are subject to change without notice.  No information on our Website is intended as a legal offer or solicitation for the purchase of any security or financial instrument, product or service, and all products and services are subject to our eligibility and application requirements. No Credit Union company is acting as an advisor or fiduciary in publishing any information on our Website. The Website is not intended to provide legal, tax, investment, or insurance advice. You are solely responsible for determining whether any investment, investment strategy, security, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult a qualified advisor in the event you should need legal, tax, or accounting advice with respect to any specific circumstances. This Website and/or any products, services or information described or provided therein are not intended to be distributed or made available to or used by any person or entity in any jurisdiction, state or country where such distribution, availability or use would violate applicable law.

Securities, investments, insurance products and annuities (i) are not bank deposits or other obligations of, or guaranteed by the Credit Union or any of our affiliates and (ii) are not insured by the NCUA, or any other agency of the United States, or by Credit Union or any of their affiliates. There is investment risk associated with securities and certain insurance products and annuities, including the possible loss of value and/or principal.

Credit Union may not condition an extension of credit or the provision of other services on either (i) the purchase of an insurance product through Credit Union or any of its affiliates or (ii) an agreement not to obtain, or a prohibition on obtaining, an insurance product from an entity not affiliated with Credit Union.

Any links from our Website to any website that is not owned, operated, controlled or maintained by us (a “Third-Party Site”) are provided strictly for convenience.  If you click a link for a Third-Party Site, you will leave our Website and enter an external website owned, operated, controlled and/or maintained by a third party that is not affiliated with us and that is solely responsible for its own contractual obligations and financial condition.  We (i) do not control nor are we responsible for the content, products and/or services provided by any Third-Party Site, (ii) do not endorse or guarantee the products, information, or recommendations provided by any Third-Party Site, and (iii) are not liable for any failure of the products or services advertised on or provided by any Third-Party Site.  The privacy and information-sharing and security policies and procedures of Third-Party Sites are distinct from those of Credit Union, and a Third-Party Site may not provide the same level of security as our Website.

Different products, features and services available on our Website, and/or different pages or sections of our Website, may be subject to separate terms and conditions in addition to the terms of this Agreement.  In the event of a conflict, such separate terms and conditions will govern and control with respect to the corresponding product, feature, service, page or section.  This Agreement is not intended to affect or amend any agreement or contract between you and any Credit Union company for the provision of a particular financial product or service, and our relationship with you as to such particular financial product or service shall be governed by the written terms of the agreement or contract contemplating such financial product or service.  If you should link to or access a separate website maintained by any of the Credit Union companies, you should review and will be subject to any terms and conditions applicable to the use of that particular website.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF OUR WEBSITE IS AT YOUR SOLE RISK. THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.  WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

WE MAKE NO REPRESENTATION OR WARRANTY THAT (I) THE WEBSITE WILL MEET YOUR REQUIREMENTS, (II) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE INFORMATION THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE WILL BE ACCURATE, TIMELY, COMPLETE, ADEQUATE OR RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE WEBSITE WILL MEET YOUR EXPECTATIONS, AND/OR (V) ANY ERRORS WILL BE CORRECTED.  ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR EQUIPMENT OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY VIRUS OR OTHERWISE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM THE WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

YOU AGREE THAT WE WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY HARMS, INJURIES, CLAIMS, OR DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, RESULTING FROM (I) THE USE OF OR THE INABILITY TO USE THE WEBSITE, (II) THE COST OF OBTAINING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY OTHER PERSON USING OR ACCESSING OUR WEBSITE, (V) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, VIRUS OR LINE OR SYSTEM FAILURE, AND/OR (VI) ANY OTHER MATTER RELATING TO THE WEBSITE OR YOUR USE THEREOF.

IF YOU LIVE IN A JURISDICTION THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

EXCEPT WHEN CAUSED BY OUR INTENTIONAL MISCONDUCT OR WANTONNESS, YOU AGREE TO INDEMNIFY, PROTECT AND FULLY COMPENSATE US, OUR SERVICE PROVIDERS, AND OUR LICENSORS FROM ANY AND ALL THIRD-PARTY CLAIMS, LIABILITY, DAMAGES, EXPENSES AND COSTS (INCLUDING, BUT NOT LIMITED TO, REASONABLE ATTORNEYS FEES) CAUSED BY OR ARISING FROM YOUR USE OF THE WEBSITE, YOUR VIOLATION OF THIS AGREEMENT OR YOUR INFRINGEMENT OF ANY INTELLECTUAL PROPERTY OR OTHER RIGHT OF ANY PERSON OR ENTITY.

This Agreement constitutes the current, sole and entire agreement between you and us with respect to the use of our Website, and any and all prior terms of use with respect to the use of our Website are superseded by this Agreement.  You acknowledge and agree that no practice or course of dealing between you and any Credit Union company, nor any oral representations by any Credit Union representative, which vary the terms and conditions of this Agreement shall constitute a modification or amendment of the terms and conditions of this Agreement.  No failure by us to exercise, and no delay by us in exercising, any right or remedy shall operate as a waiver thereof.  If any provision of this Agreement or the application thereof to any person or circumstances shall, to any extent, be invalid or unenforceable, such provision shall be deemed automatically reformed to the extent, and only to the extent, necessary to render it valid and enforceable under applicable law; however, if such reformation of the provision is not reasonably possible, the provision shall be deemed severed from this Agreement with respect to the person or circumstances as to which such provision shall be invalid or unenforceable, and the remainder of this Agreement shall continue in full force and effect to the fullest extent permitted by law.  This Agreement shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflicts of laws provisions or your actual state or country of residence, and applicable federal law. For purposes of any action, suit, or proceeding arising out of this Agreement, you expressly submit to the jurisdiction of all federal and state courts located in the State of Tennessee, and agree that we, in our discretion, may require that Tennessee, be the venue for any legal proceedings arising out of or related to this Agreement.  You waive and agree not to assert in any action, suit or proceeding that you are not personally subject to the jurisdiction of such courts, that the action, suit or proceeding is brought in an inconvenient forum or that venue of the action, suit or proceeding is improper.  In the event that you should have any claim or cause of action against us arising out of your use of the Website, you agree that, regardless of any statute or law to the contrary, such claim or cause of action must be initiated or filed in a court of competent jurisdiction within one (1) year after accruing or be forever barred. If you have agreed to per your Member Agreement or any other Agreements with the Credit Union, then the Arbitration provisions shall govern in place of any statements here above.

Online Privacy Notice: This Online Privacy Notice (the “Notice”) describes how information is collected by and through websites, mobile applications, and other online interfaces or platforms that are owned, operated, or controlled by Tennessee Valley Federal Credit Union (TVFCU) or its affiliated companies (collectively, the “Sites”), including this Site, and how that information may be used and shared. By accessing or using any Site, you confirm your consent and agreement to the terms of this Notice as may be in effect at that time.

For purposes of this Notice, the terms “we”, “us”, and “our” refer to TVFCU that owns, operates, or controls the Site that you use, and such terms may also refer to contractors and service providers engaged by the Credit Union to support their business activities, as the context may require.  The terms “you”, “your” and “yours” refer to any person who accesses or uses a Site.

This Notice supplements, but does not replace, the general Website Terms of Use for the use of this Site. In the event of a conflict between the terms of this Notice and the terms of the general Website Terms of Use, the terms of this Notice will govern and control with respect to the matters addressed in this Notice. Certain sites may have separate privacy notices or terms and conditions that are specific to those Sites, and when you use or access those sites those separate privacy notices or terms and conditions will apply and will control with respect to the matters addressed therein in the event of a conflict with the terms of this Notice.

With regard to persons who use or obtain our products and services for their own personal, family, or household purposes, this Notice also supplements, but does not replace, and should be read in conjunction with the TVFCU Privacy Notice. To the extent that any information at issue is “nonpublic personal information” as defined by Title V of the Gramm-Leach-Bliley Act (Public Law No. 106-102) and applicable related regulations, the TVFCU Privacy Notice will apply and control in the event of a conflict with the terms of this Notice, subject to the requirements and provisions of applicable law.

Information We Collect Through Our Sites Personal information collected through our Sites includes information you provide directly when completing forms or transacting with us, such as your name, your home address, your email address, your telephone number, your social security number, your account number, or transaction information. We also collect information that you do not provide directly, such as information about your device (including, but not limited to, behavioral biometrics relating to your use of your device for identity verification, fraud avoidance, and security purposes) or internet browser, information obtained from cookies that have been placed on your device or internet browser at our Sites or at other websites you have visited, demographic information, aggregated information, blind information about how you use our products and services and about the transactions you perform using our products and services, and other information obtained through your access to or use of a Site. We may supplement the information we collect from you with information we receive about you from other sources.

How We Collect, Use and Share Personal Information You Provide to Us Directly We collect personal information when you use our Sites to apply for, obtain, or use our products and services, to make inquiries about our products and services, or to provide information and feedback about our products and services. In connection with your use of our Sites, products, and services, we may ask for, and you may provide, personal information in forms, surveys, applications, and online fields, or you may authorize us to collect personal information from third party sources. We may use personal information and share it with our service providers:

• To respond to your inquiries and requests, and to send you notifications.
• To send administrative information to you, such as information regarding the Site and changes to our terms, conditions and policies.
• To complete and fulfill your applications for our products and services and to deliver and perform such products and services, to execute inquiries and transactions you have requested, to communicate with you regarding products and services you have obtained from us, and to provide you with related customer service.
• To verify your identity or location for security purposes.
• To send you marketing communications that we believe may be of interest to you and otherwise for advertising and sales purposes, whether online or through offline channels like branches, call centers, and direct marketing (for example email, mail, and phone).
• To personalize your experience on the Site by presenting products and offers tailored to you.
• As you agree, authorize, or consent in agreements, terms, and conditions you agree to or accept in connection with products and services you obtain from us.
• For our business purposes, including (but not limited to) such purposes as (i) data analysis, (ii) audits, (iii) fraud monitoring and prevention, (iv) new product development, (v) enhancing, improving or modifying our products and services, (vi) identifying usage trends, (vii) determining the effectiveness of our promotional campaigns, and (viii) operating and expanding our business activities.
• As we believe to be necessary or appropriate (i) under applicable law, (ii) to comply with legal process and otherwise to comply with applicable laws, rules, and regulations, (iii) to respond to lawful requests from public and government authorities, (iv) to enforce our terms and conditions, (v) to protect our operations or those of any of our affiliates, (vi) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others, and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.

Updating Personal Information You Provide to Us Directly Online applications you use at our Sites in connection with our products and services generally will enable you to review, update and correct certain personally information. You may also contact your us at 1-800-634-3600, for information about how to review and update certain information about you in our records.

How We Collect, Use and Share Personal and Other Information You Do Not Provide to Us Directly We may collect information you do not provide to us directly:

• Through or from your device or browser or cookies that have been placed on your browser. Certain information is collected by most browsers, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system version and internet browser type and version. We use this information to ensure that the Sites function properly and to maintain security.
• Using pixel tags and similar technologies. Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Site pages and HTML-formatted email messages in order to, among other functions, track the actions of users and email recipients, measure the success of our marketing campaigns and compile statistics about Site use and response rates.
• Using your IP address. Your IP address is a number that is automatically assigned by your internet service provider to the computer or device that you are using. An IP address is identified and logged automatically in our server log files whenever a user visits a Site, along with the time of the visit and the pages that were visited. We use IP addresses for purposes such as calculating Site usage levels, helping diagnose server problems, and administering the Sites.
• Using geolocation and other location information transmitted by your device, if you have enabled location services on the device, and using behavioral biometrics relating to your use of your device for identity verification, fraud avoidance, and security purposes

How do we use Google Analytics? We use Google Analytics to better understand how users are visiting and using our Sites. We do not use Google Analytics to track, collect or upload any data that personally identifies an individual (such as name, address, or email address) or other data which can be reasonably linked to such information by Google. We do not receive personally identifiable information about users on our Sites. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at “How Google uses information from sites or apps that use our services” at https://policies.google.com/technologies/partner-sites.

Cookies

Cookies are small text files that your browser stores on your computer or mobile device when you visit a site. When you return to a site you have visited before, your browser gives this data back to the site to help it remember your preferences and personalize your experience; enhance site performance and security; and enable interest-based advertising. When you visit our Site, we, or our service providers, may use cookies or other similar technologies to collect information on our Site.

How we use cookies: We use cookies and information collected through their use to make your experience with The Credit Union and certain other sites richer and more personalized based on the products, services, or other interactions you have with us and other sites. Information collected through use of cookies may be used to make offers to you via online ads, email, U.S. mail, or telephone, subject to the privacy preferences you have on file with The Credit Union. (Privacy preferences for employer-sponsored retirement accounts default to no marketing, solicitation, or sharing for marketing purposes without specific consent.) We use cookies, sometimes in conjunction with service providers, in online advertising either on our own Site or on third party sites to help determine which of our advertisements are most likely to appeal to you. We also use cookies for purposes such as maintaining continuity during an online session, collecting data about the use of our Site, monitoring online promotions, and anti-fraud and information security purposes.

Other parties that may collect information about your web browsing behavior when you use our Site are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party. Note, however, that we also provide certain links on our sites that allow you to interact with third parties who offer additional features, such as allowing web surfers to share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our Site, such as a map. These features often function through the use of third-party cookies utilized by the third-party site, such as a social media platform. As a result, if you use any of these features, these third parties may be able to access information about your web browsing on the pages of our Site where links to these features are in place. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain with the use of cookies.

If you choose not to accept cookies, you may experience some reduction in functionality depending on which Site you are using. You also may need to accept cookies in order to maintain certain online advertising opt-out elections (see “Use of Information for Advertising; Online Behavioral Advertising” section below).

Types of cookies we use:

There are two types of cookies, session and persistent.

Session cookies expire at the end of a web browsing session when you close your browser. They help the site remember your actions during the current website visit.

Persistent cookies remain stored on your device between browsing sessions until a pre-set expiration period determined by us or our service providers. These types of cookies allow us to improve website experiences and place advertisements.

There are four categories of cookies we may use on our Site:

Strictly necessary: These cookies are necessary for our site to function or to enable functionality requested by you. They’re needed to do things like securely signing on to our site, applying for a product or service, or honoring a language preference. You can set your browser to block all cookies, but some parts of our site won’t work without them.

Functional: These cookies enable an enhanced or personalized experience. They may be set by us or third-party providers whose services we have available on our site. This may include things like playing videos on our site or downloading PDF forms or seeing content personalized to you. If these cookies are blocked, then some of these services may not function.

Performance and analytical: These cookies allow us to monitor the performance of our website, such as how many people are visiting our site and how they got there, so we can measure and improve your experience on our site. If these are blocked, we have less information available to us to continue to improve our site.

Marketing and advertising: These cookies may be set by us or through our advertising partners. This information is used to understand your use of our site so we may show you more relevant online content and advertising. If you block or turn them off, you may still see online advertisements, but they won’t be tailored to you based on your browsing behavior.

You can manage cookies: Managing cookies is domain and browser specific. For example, you may manage our use of certain types of cookies on the tvfcu.com domain or by using an industry accepted opt-out preference signal such as the Global Privacy Control (see more details below). Your preference applies to this domain and the browser you are currently using. It does not apply to different browsers or other Credit Union managed domains. If you visit this domain using a different browser or delete your browser cookies, you will need to exercise your preference again.

Global Privacy Control (GPC) is a service that lets you opt out of sharing information for targeted advertising on nonaffiliated websites, applications, or services. You can enable this service through specific browsers or browser extensions (see which browsers are GPC-enabled at the Global Privacy Control website https://globalprivacycontrol.org/ ). Once you activate the GPC setting, your browser will automatically send participating websites (like ours) a “do not sell or share my personal information” signal.

Industry standards are currently evolving, and we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser.

Additional options to manage cookies: If you receive an ad delivered on a third-party site in part based on information collected through the use of cookies, you may opt out of receiving such ads by visiting the Network Advertising Initiative’s Consumer Opt-Out link (https://optout.networkadvertising.org/?c=1 ) or the Digital Advertising Alliance’s Consumer Opt-Out link (https://optout.aboutads.info/?c=2&lang=EN) and learn how to opt-out of receiving interest-based advertising from companies that participate in those programs. This opt-out works via cookies set on a particular browser, so if you delete cookies from your browser, or use a different browser or device, you will need to opt out again.

For mobile devices, you can turn off personal ads on iOS devices (https://support.apple.com/en-us/105131 ) or opt out of ads personalization on Android devices ( https://support.google.com/googleplay/answer/3405269/ ).

Use of Information for Advertising; Online Behavioral Advertising We may use personal information in connection with our online advertising activity. Online advertisements may be in the form of banner ads, splash ads, or other formats. These advertisements may appear on our Sites, and we may contract with third party advertising companies to promote our products and services and serve related advertisements on websites and mobile applications that are owned or operated by parties not affiliated with us.

In order to better understand which of our products and services may be of interest to you and to tell you about those products and services, we may from time to time collect information about your online activities over time and across third party websites and online services. We also may engage third party service providers to collect information about your online activities over time and across third party websites and online services when you use our Site. Serving advertisements based on a person’s online activities over time and across third party websites and online services is generally known as “online behavioral advertising.” Here are some tips and other important information regarding online behavioral advertising:

• If you are given an opportunity to opt out from online behavioral advertising and you make an opt-out election, then in order to maintain the opt-out election at our Sites and at other websites that might serve behavioral advertisements on our behalf, your browser must be enabled to accept cookies. If you delete cookies, buy a new device, access our Sites or other websites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.
• You also may be able to avoid online behavioral advertising by disabling scripting in your browser. Please check the security settings in your browser to determine the status of scripting settings. However, please note that if you disable scripting, you may be unable to use certain features on a website. In other cases, the website may become inoperable, your experience may not be optimal, you may not be using the latest standards for safe and secure transactions, or you may not be allowed to access the site.
• Some browsers may provide a “do not track” or similar setting. Our Sites do not respond to such settings. If you enable such a setting it will not prevent the collection of information about your online activities over time and across third party websites when you visit our Sites.
• You should be aware that even if you exercise a choice not to receive targeted advertisements in connection with online behavioral advertising, your election does not necessarily stop the collection of information about your online activities over time and across third party websites and online services for purposes other than online behavioral advertising.
• You may still receive generic advertising (i.e., advertising that is not based on your online activities over time and across third party websites and online services) even if you opt out of online behavioral advertising, and opting out of online behavioral advertising may not result in the termination of advertising and promotions provided in connection with rewards programs we may offer.

Social Media We may from time to time use social media websites and applications (e.g., Facebook®, Twitter®, YouTube® and LinkedIn®) to interact with you and to communicate information about us and about our products and services. We may collect information from our interactions with you at such social media websites and applications, and we may use the information for the purposes and uses described in this Notice. If we disclose any terms of use at specific social media pages that we manage, you also will be subject to those terms when you interact with those pages. The owners and operators of social media websites and applications may impose their own terms of use and privacy policies with respect to the use of their websites and applications. This Notice does not govern the use, handling, and treatment of content you may post at social media websites and applications by the owners and operators of those websites and applications. You should review the terms of use and privacy policies of any social media website or application that you use to make sure you understand your rights and obligations with regard to content that you post.

Children’s Online Privacy Our Sites are not targeted to individuals under thirteen (13) years of age. We do not knowingly collect information from children under 13 without parental consent.  Click here for more information about children’s online privacy.

Security TVFCU uses commercially reasonable administrative, technical, and physical security measures to protect personal information collected through the Sites. These measures include computer safeguards and secured files and buildings. In the event we share information with third party service providers or joint marketers, we restrict the ability of such parties to use or disclose the information we furnish. We also require such parties to apply appropriate security measures to protect information. We retain your information for as long as needed: (i) to conduct business with you; (ii) as needed for the purposes outlined in this Notice or at the time of collection; or (iii) as necessary to comply with our legal obligations, resolve disputes, and enforce any agreements.  For more information, please review the TVFCU Privacy Notice. Unfortunately, no data transmission or storage system can be guaranteed to be absolutely secure, and we disclaim any representation or warranty that our information security systems or those of our service providers and joint marketers are invulnerable to breach or compromise.

Links to Other Websites The information and disclosures contained in this Notice apply only to our Sites. If you link to a third-party website from our Sites, the third-party website will not be governed by this Notice. We recommend that you review the internet or online privacy notice for any third-party website you visit, including any social media website or application (see “Social Media” section above).

Information about Parties that Are Not Natural Persons Notwithstanding any term or provision to the contrary in this Notice, any information collected by or through the use of any Site that describes, identifies, or relates to a party that is not a natural person may be used, disclosed, and shared by us for any lawful purpose, subject to the requirements and restrictions of applicable law.

Changes to this Notice We may change our privacy practices and amend this Notice in our discretion. Any changes or amendments we make will be effective when we post them at the applicable Site, unless we expressly provide a different effective date. You agree that the posting of such changes or amendments at the applicable Site shall constitute effective notice thereof to you. You agree to review the Notice periodically to ensure that you are familiar with the current terms of this Notice. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event your use of the applicable Site on or after the effective date constitutes your affirmative acceptance of such changes. The effective date set forth at the beginning of this Notice indicates when this Notice was last changed. If our changes or amendments to this Notice are material, we will notify you in accordance with applicable law.

Questions about this Notice If you have questions about this Notice, please call us at 1-800-634-3600 or visit our Contact Us page for more information.

You may download a copy of your membership agreement here.

You may download a copy of your membership agreement here.

To assist the government fight against the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, Social Security number, and other information that will allow us to identify you. TVFCU will maintain the confidentiality of any information obtained in accordance with our privacy policy and applicable laws and regulations.

Tennessee Valley Federal Credit Union (TVFCU) has leveraged the Web Content Accessibility Guidelines (WCAG) 2.2 as a reference to help ensure that the web content made available on this site is more accessible for individuals with disabilities and more user-friendly for everyone.

This website is regularly tested using a variety of assistive technologies.

We recommend using the following web browser / screen reader combinations for an optimized experience:

• For Windows users: JAWS and Microsoft Edge or NVDA and Firefox
• For Mac users: VoiceOver and Safari or VoiceOver and Chrome
• For mobile users: VoiceOver for the iPhone and TalkBack for Android devices

Tennessee Valley Federal Credit Union has leveraged the Web Content Accessibility Guidelines (WCAG) 2.2 as reference to ensure the web content made available from this site is more accessible for individuals with disabilities and user friendly for everyone.

These globally recognized best practices (as recommended by the World Wide Web Consortium) consist of three levels of accessibility measurement (A, AA, and AAA). To the greatest extent feasible, Tennessee Valley Federal Credit Union has elected to conform to Level AA of these guidelines.

Related Link:

Web Accessibility Initiative (WAI) – Design guidelines for electronic and information technology

Throughout this website, we may make use of different third-party websites such as Instagram, YouTube, X, and Facebook to spread news and information about Tennessee Valley Federal Credit Union products and services.

These sites, which are not controlled by Tennessee Valley Federal Credit Union, may present challenges for individuals with disabilities that we are not able to control or remedy. Please know that these sites are not used as the sole source of (or sole vehicle for communicating) important information.

As made publicly available, here are the Accessibility Information pages provided from these third-party sites:

• Facebook Accessibility Policy
• YouTube Accessibility Policy
• X Accessibility Policy
• Instagram Accessibility Policy
• LinkedIn Accessibility Policy