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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!


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.


While the ordeal in Washington has put many jobs on hold and many people are in an unfortunate situation, it is important for all credit union members to know that your Credit Union is still operating and is in a very safe and sound position. Our loan interest rates are lower than ever and we have money to loan during these hard times. If you experience any uncertainty or need reassurance or financial guidance, please call the Credit Union and let us put your mind at ease. Our motto is still “People Helping People”. It’s what Credit Unions are all about. Thank you for your loyal support and confidence in your Credit Union.

Debbie Byrd

  2nd Quarter 2014 News & Updates Newsletter

  • 2014 Annual Meeting Highlights
  • Anytime Access... Wherever You Are!
  • Attention Home Banking Users
  • And More...

Read Newsletter...


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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NCUA Insured

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,