Top Questions

Frequently Asked Questions

TOP QUESTIONS

WHO CAN JOIN¹ KNOXVILLE TVA EMPLOYEES CREDIT UNION?

Membership with KTVAECU^® is available to anyone who lives, works, worships, attends school, owns a business, or has eligible family in and of these counties: Blount, Hamblen, Jefferson, Knox, Loudon, Roane, Sevier, Sullivan, and Johnson City. JOIN TODAY!
WHAT IS THE DIFFERENCE BETWEEN CREDIT UNIONS AND BANKS?

Credit unions are unique in that they are completely member-controlled. When you become a Member of KTVAECU^®, you also get a say in the decisions we make. Your guidance helps keep us on the right track!

Structure/Philosophy — Not for profit, but for service.

Ownership — Member-owned and controlled.

Earning — All profits are returned to members in the form of new products, additional services, lower fees, and expanded locations.

Banks are controlled by profits and shareholders. They are typically more “corporate,” meaning their decisions are made by boards and committees rather than their customers.

Structure/Philosophy — Banks are corporations, which exist to earn a profit for shareholders.

Ownership — Shareholder (investor) owned and controlled.

Earning — All profits are distributed to the stockholders in proportion to the number of shares owned.
HOW DO I SEE WHEN BRANCHES ARE OPEN?

Branch hours vary by location. To find your closest branch and its hours, visit the Locations page.
WHAT IS THE CREDIT UNION'S ROUTING NUMBER?

A routing number is a nine-digit number assigned to a bank or credit union. Think of it as our Credit Union's numerical address that allows it to send and receive money from other financial institutions. The routing number for Knoxville TVA Employees Credit Union is 264279567.

MORE FAQs

Online/Mobile Banking

FAQs

WHERE CAN I DOWNLOAD THE MOBILE APP²?

For Apple devices, you can download from the Apple App Store.

For Android devices, you can download it from the Google Play Store.

For Kindle devices, you can download it from the Amazon Kindle Store.

Click here to learn more about the mobile app.
WHAT IF I AM LOCKED OUT OF ONLINE BANKING³?

If you've attempted to log in to online banking or the app multiple times, you might be locked out of your account. Send us a message or give us a call at 865-544-5400, and we will assist you with unlocking your account.
HOW CAN I DEPOSIT A CHECK AFTER BRANCHES CLOSE?

Mobile Check Deposit is available through the Credit Union Mobile Banking App! LEARN MORE.
WHAT MOBILE WALLET SERVICES ARE OFFERED?

Apple Pay⁴ and Samsung Pay⁵ are available.
IS ONLINE BANKING OR THE MOBILE APP DOWN?

Scheduled maintenance usually happens late at night or very early in the morning. We place notifications on the website to alert Members of maintenance and when it is expected to be back up and running.

If you don't see a banner, double-check your username and password are correct and make sure you haven't accidentally been locked out of your account.

Card

FAQs

HOW DO I DISPUTE A CHARGE?

For information on card disputes and fraud, visit our Card Disputes & Fraudulent Charges page.
HOW DO I KNOW IF I CAN TAP PAY WITH MY CARD?

Look for the Contactless Indicator on your card to know if you can use it to tap to pay for purchases.

More information on the Contactless Card page.

If your card doesn’t have this symbol, you can insert or swipe to pay.
HOW DO I FREEZE/UNFREEZE MY CARD?

For information on freezing and unfreezing your card and everything you can do with Control My Card by KTVAECU®, visit this page.

Loan

FAQs

WHAT LOANS DOES KTVAECU® OFFER?

We offer loans for auto, boats/recreational vehicles, and a variety of home loans.

We also offer various personal loans, including loans to help you build or rebuild your credit score.
HOW DO I APPLY FOR A LOAN?

You can easily apply for a personal loan, auto loan, credit card, and more using our ONLINE PORTAL or give us a call at (865) 544-LOAN (5626).

Need to apply for a Mortgage loan? Simply visit our MORTGAGE CENTER to begin the application process.
WHAT ARE YOUR LOAN RATES?

You can find rates for most of our loans on our Rates page.
CAN I MAKE A PAYMENT IF BRANCHES ARE CLOSED?

Yes! For all the ways you can make payments, please visit our Make A Payment page.

¹To join the Credit Union, you must meet membership requirements. Fees may apply. Some restrictions may apply. Ask for details. Membership Agreement
²Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Mobile Privacy Policy
³Some restrictions may apply. Ask for details.
⁴Apple®, the Apple logo, iPhone, iPad, Apple Pay, Touch ID are registered trademarks of Apple Inc. Adding, storing, and using your debit or credit card number in Apple wallet means you accept and agree to abide by the terms and conditions. You are solely responsible for maintaining the confidentiality of your Apple credentials and means to access this application. Knoxville TVA Employees Credit Union is not responsible for the service, quality, performance, or accuracy regarding Apple Payment Services, only for supplying information securely to the digital wallet provider to allow usage of your debit or credit card in the digital wallet. Apple Payment Services or other third parties such as wireless companies or data service providers may charge you fees. Apple Store® is a trademark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
⁵Samsung® and the Samsung logo are registered trademarks of Samsung Electronics Inc. Adding, storing, and using your debit or credit card number in Samsung Pay means you accept and agree to abide by the terms and conditions. You are solely responsible for maintaining the confidentiality of your Samsung credentials and means to access this application. Knoxville TVA Employees Credit Union is not responsible for the service, quality, performance, or accuracy regarding Samsung Payment Services, only for supplying information securely to the digital wallet provider to allow usage of your debit or credit card in the digital wallet. Samsung Payment Services or other third parties such as wireless companies or data service providers may charge you fees.

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Top Questions

Credit unions are unique in that they are completely member-controlled. When you become a Member of KTVAECU®, you also get a say in the decisions we make. Your guidance helps keep us on the right track!

Banks are controlled by profits and shareholders. They are typically more “corporate,” meaning their decisions are made by boards and committees rather than their customers.

Credit unions are unique in that they are completely member-controlled. When you become a Member of KTVAECU^®, you also get a say in the decisions we make. Your guidance helps keep us on the right track!