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 When You’re a Member, You’re an Owner

Membership with a credit union means you’re a part owner. This cooperative effort gives your credit union many advantages over other financial institutions. Also, if you’re eligible to be a member, your family is eligible! Discover the many benefits of being a member of Chattanooga Federal Employees Credit Union!
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What's New!

How low will they go?

Chattanooga Federal Employees Credit Union has lowered rates again on vehicle loans. For qualified borrowers, the interest rate on new and used vehicles is 1.79% for up to 72 months for vehicles not currently financed with the Credit Union. So, if you recently purchased a vehicle and financed it elsewhere, contact the Credit Union to apply for a loan to refinance the vehicle and see if you qualify to save money. Loans subject to individual credit approval.

4th Quarter 2015 News & Updates Newsletter

  • Skip-A-Payment Time!
  • Christmas Club Disbursements
  • Remote Deposit Capture
  • And More...

Read Newsletter...


Member Beware – Do not CLICK!

People, not computers, create computer threats. Computer predators often victimize others for their own gain. Computer hackers are unauthorized users who break into your computer systems in order to steal, change or destroy information, often by installing dangerous malware without your knowledge or consent. They use very clever tactics and detailed technical knowledge that allows them to access your personal information without your even knowing. Anyone who uses a computer connected to the Internet is susceptible to the threats that computer hackers and predators pose. Not only on your home or work computer but on your mobile device. These hackers use phishing scams, spam email, and instant messages to deliver dangerous malware to your computer and mobile phone. They can also monitor your chat room conversations or your personal Web page. Don’t be lured into revealing sensitive personal and financial information. The malware a hacker has installed on your PC or mobile device quietly transmits your personal and financial information without your knowledge or consent. To protect your computer from hackers and predators, you should continually check the accuracy of personal accounts and deal with any discrepancies right away. Use extreme caution when entering chat rooms or posting on personal Web pages. Always limit the personal information you post and carefully monitor requests by online friends or acquaintances. Beware of Walmart or Amazon Gift Card emails or UPS Tracking Numbers when you are not expecting a package. Don’t click on those emails. Always take steps to protect your computer and mobile device by using a firewall. Update your operating system regularly, and increase your browser security settings. Avoid questionable Web sites. Only download software from sites you trust. Practice safe email protocol: Don’t open messages from unknown senders. Delete messages you suspect to be spam. Make sure that you have the best security software products installed on your computer and your mobile device. Use antivirus protection. An unprotected computer or mobile device is like an open door for computer hackers and predators.

Our goal is to protect our Members and keep you informed on the possibilities of computer hackers. We value and appreciate our Members and strive to make Chattanooga Federal Employees Credit Union the only financial institution you need.

Debbie Byrd

  Privacy Notice

Read our Privacy Notice


Did we mention it might be time to UPDATE your information on your accounts at the Credit Union. It is very important that you make sure your account information is current and up to date. Whether you have recently moved, gotten married, divorced, had children, etc. it is a good time to make sure that you have updated or changed any needed information. You might even need to change or add a Beneficiary. Also, if you have an IRA, please make sure that the Beneficiary is correct to avoid any unnecessary burden on your family in case of death. The Credit Union is also able to store email addresses and sometimes that is the easiest way to get in-touch with the member so why not stop by the Credit Union and check it out! We appreciate our members and strive to keep you informed……so, keep us informed! Thanks!

  TellerLine Update
May 2014

Enter your 3 digit credit union identifier. This is the same 3 digits as the old system to identity the credit unions.

The new system will then ask for the account number. This is the same account number the member had with the old system.

*The member will be requested to enter the # sign.

The new system will then ask for the PIN number. This is the same PIN the member had with the old system.

*The member will be requested to enter the # sign.

*The new system will next ask for the type of activity you are requesting.

Account Information, press 1; Transfers. press 2; PIN Change, press 3

*The new system will then require members to select the account.

Example, they will be asked to enter 1# for the share account or 8# for the club account or 4# for the 04 loan.

The new system will then be menu driven to the desired information.

*Indicates a change in the order that information is requested or a change in the process. An example is that members are now requested to enter the# sign after some entries.


We recently upgraded the Enhanced Authentication in Virtual Branch. Beginning on 03/06/2014, the image that currently appears above the Security Code will no longer be displayed. The first time you log on to this site on or after this date, you will be prompted to reenroll in Enhanced Authentication by selecting new security questions and a Security Phrase. To view additional information, click on the "Important - New Security Information" link in the top upper right corner of your online banking page. We are committed to providing the most secure methods available to us in order to protect your sensitive financial data. Thank you for allowing us to serve your financial needs.


If you receive a Text Message on your cellphone stating your Debit Card has been deactivated, please do not respond as this is a scam. The Credit Union DOES NOT send out messages to members by Text at this time. Please contact the Credit Union at 423-892-3738 if you receive a text message on your cellphone. The Credit Union will never ask for any of your personal information as we already have the information that we need. Please do not give out any of your personal information via Text. Thank you for your support.


This is to inform you of the changes made to the MEMBER'S CHOICE® Credit Disability and Credit Life coverages currently being provided to you through Chattanooga Federal ECU. The following provision changes will be effective February 1, 2012.

  • Your plan of benefits has changed from 30 day Non-Retroactive to 14 day Non-Retroactive. This affects the Total Disability Benefits provision of the Certificate previously given to you. The new provision will provide that instead of being disabled for 30 days with benefits beginning on the 31st day, you must be disabled for 14 days with benefits beginning on the 15th day. In addition to your plan changing, there has also been an adjustment to your rate. The increase in premium could result in a higher last payment or may extend the duration of the loan. The new Credit Disability Insurance rate per $100 of outstanding loan balance is $.22 for the Single Insured Plan.

There is no action necessary on your part to continue coverage if you already have it. In the event you do not want coverage to continue, please notify the credit union.

Click here for a printable version of notice

  Checking at CFECU

Chattanooga Federal Employees Credit Union does not believe you should pay for the convenience of your debit card and we have no plans to institute a fee as some of the larger financial institutions are doing. Our share draft accounts are the best value in town. You never pay for Visa Debit card fees, online banking, or online Bill Pay. In addition, the number of ATM’s you can use without a surcharge in the Chattanooga area has increased. For a complete listing of free ATM’s you can use, go to and type in your location. If you are paying for these services elsewhere, come talk to us about moving your checking account to your Credit Union.

  AutoCheck Vehicle History Reports Now Available at CFECU

CFECU members can now purchase AutoCheck Vehicle History Reports from the Credit Union for only $10.00 per report. This is a savings of 67% from the regular price. AutoCheck Vehicle History Reports answer questions such as:

  • Has an accident ever been reported on the vehicle?
  • How many people have owned this vehicle?
  • Has the vehicle been damaged by floods, fires, hail or other natural disaster?
  • Is the mileage on the odometer accurate?
  • Has the vehicle ever been recalled?
  • Was the vehicle used as a service vehicle (police car, taxi, etc.)?
  • Has the vehicle ever had a branded title (e.g., junked, salvaged or rebuilt)?
  • Was the vehicle ever repossessed or stolen?
  • Has the vehicle ever been sold at auction?
  • Is there a lien on the vehicle?

If you are looking to purchase a used vehicle, put your mind at ease by reviewing an AutoCheck report first. To obtain a report, contact Deborah, Johnny, Sarah, or Mark. You will need to provide the VIN for the vehicle(s) you would like checked and they can deduct the $10.00 fee per report requested from your account and provide the report within minutes. This is another way the Credit Union is looking out for its members.

  Withholding Notice (Form 2317)

Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding.

You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, complete the appropriate form provided by your credit union.

Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay.

You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.

  Click to read a Notice from the Board and Management regarding the Safety and Soundness of your credit union.

  Auto Loan Rates

If you are looking to buy a new or used vehicle or if you financed your vehicle at the dealer, it’s time to see if we can offer a better deal. Our vehicle loan rates are now as low as:

1.99% for up to 6 years*

*Rate subject to individual credit approval and may vary based on your credit score.


  TruStage Auto and Homeowners Program and Insurance Products. Click here for details.

  A new look for Virtual Branch!  Click here to see the exciting changes.

  “To Buy or to Fix-Up?” ... that is the Question!

With the economy the way it is today, buying a house may be difficult...

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Your savings federally insured to
at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

America's Credit Unions Equal Housing Lender

We do business in accord-
ance with the Federal Fair
Housing Law and the Equal
Credit Opportunity Act.


©Copyright 2012 Chattanooga Federal Employees Credit Union. All Rights Reserved.
2011 Stein Drive, P.O. Box 22205, Chattanooga, TN 37422-2205
423-892-3738, Fax: 423-499-5185,