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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!


April is Financial Literacy Month, and the National Credit Union Administration urges credit unions to take this opportunity to help members learn more about how to manage their finances....
At and Pocket Cents, NCUA also educates the public and consumer protection and financial literacy issues.
    - Click for more details

  Privacy Notice

Read our Privacy Notice

  2nd Quarter 2015 News & Updates Newsletter

  • Creating Credit Union Awareness & Education
  • 90th Annual Meeting Highlights
  • New Draft Accountss
  • And More...

Read Newsletter...


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!


Can you keep a secret? You obviously can! According to the Tennessee Credit Union League, Credit Unions are the best kept secret around. In Tennessee, there are currently 6,346,105 citizens and only 1,923,000 credit union members. In a recent survey, only 23% chose a credit union as their primary financial institution. There is something that is just wrong about these numbers. Having been a member of a credit union for almost thirty years, I am a firm believer that being part owner of my financial institution is the only way to go. These statistics made me think about how many people are missing out on a tremendous opportunity of being a credit union member. How many family members are missing out? How many of your co-workers even know they have the opportunity to save money and have a one stop shop? Where credit unions used to be merely a place to save, we now offer almost any service you need to function in the financial marketplace. Your Chattanooga Federal Employees Credit Union offers many valuable services at almost no cost to the member. In addition to the traditional Share (savings) Accounts, we offer Draft (checking) Accounts, Christmas Club Accounts, IRA Accounts, Share Certificates (CD’s), Free Teller-Line (Telephone Banking), Safe Deposit Boxes, Free-Home Banking, Free-Bill Payments, Free Mobile Banking, Free Notary Service, Free Financial Counseling and great loan rates!!! So, I ask, why are you keeping all these benefits to yourself? It is no secret and you should be telling everyone you know that CFECU is the only financial institution they need. Our loyal members are what make this Credit Union a step above the rest. Now, I challenge you to spread the word about your Credit Union and if you are not taking advantage of all the services we offer then what are YOU waiting for?

Debbie Byrd

  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.

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We do business in accord-
ance with the Federal Fair
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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,