Join

Join

Join Us, Join Us Now! ¹

It is important to find a financial institution that meets your needs; and one you trust to be your financial partner for a lifetime of big moments. Whether you’re looking for a checking account, savings account, loan, or mortgage, we are here for YOU.

CREDIT UNIONS VS. BANKS
When you are deciding where to save and borrow, it can be confusing because there are so many choices available. A good place to start is learning the difference between a bank and a credit union. Here's a breakdown on how credit unions and banks differ.

Credit Unions

Credit unions are unique because they are entirely member-owned. When you join a credit union, you "open" a member share which represents your ownership in the financial cooperative. It's essentially a small deposit or account that grants you membership and a stake in the organization. That's why when you are part of a credit union, you are called a "Member". When you become a Member of KTVAECU^®, you also get a voice in the decisions we make.

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

Ownership — Member-owned.

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

Banks

Banks are structured similarly to a public company and controlled by profits and shareholders. They are typically more “corporate,” meaning their decisions are made by boards, committees, and profit, rather than the voice of 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.

Why Join KTVAECU^®?

For nearly a century, Knoxville TVA Employees Credit Union has one service philosophy: People Helping People, Members Helping Members. Our vision is to be Members’ first choice for all their financial needs, and we offer competitive rates, services and products to reach that vision.

LOCAL: KTVAECU is dedicated to serving East Tennessee. When you visit our branches or call us, you are greeted by a friendly employee who also lives right here in East Tennessee. Whenever you have a question, you will always work with someone local. It's also why we are so active in our local Community!

SERVICE: Our service-minded employees works hard to provide you the best service possible. Whether you're looking for new accounts, loans, or answers to help improve your credit score, we are here to help. We are not profit, not for charity, but for service.

PRODUCTS: We offer competitive products that are simple, easy to understand, and tailored to fit your needs.

LEARN MORE

Who Can Join?

Knoxville TVA Employees Credit Union Membership is available to anyone who lives, works, worships, attends school, owns a business, or has eligible family in the following areas:

Opening an account ² is simple.
All you need is a $5.00 minimum deposit and a couple of minutes!

KTVAECU has thrived over the decades by focusing on the relationships we build with our Members. We are here to be an all-encompassing financial partner you can trust. We will be by your side as you grow financially and pursue your dreams.

Now, if you need a friend, we’re the same as we’ve always been today, like days before.
And with every new sunrise, we’ll be standing by your side; that’s what friends are for.

Let’s go together; this road is a long one, so join in with good company.
Let’s go together, upward and forward. By your side is the best place to be.

As the days roll by through the seasons of your life, we’ll be here for you.
To help you build your dream, it’s closer than it seems. We’ll help you see it through.

Let’s go together; this road is a long one, so join in with good company.
Let’s go together, upward and forward. By your side is the best place to be.
By your side is the best place to be.

Knoxville TVA Employees Credit Union
Join us, join us now! ³

Acces to your account - Anytime, Anywhere.

Mobile and Online Banking
Free Credit Score
Instant-Issue Debit Card with uChoose Rewards
Home Loans
Extended Hours at Select Locations

Additional Benefits of Membership

Pet Insurance

Keep your furry friend happy and healthy with ASPCA Pet Insurance ⁴ . ASPCA Pet Insurance covers the cost of your pet’s medical care outside of routine pet care up to $20,000.00 per year, so your pets stay healthy without YOU worrying about the bill.

Get a free quote today!

Keep The Vet You Trust
You know what’s best for your pet, and finding a vet you trust is crucial for you and your pet. That’s why ASPCA Pet Insurance lets YOU choose who takes care of your pet.,

File a Claim Online
It’s easy to file a claim! When you take your pet to the vet, pay your bill like you normally would. Then, submit a claim, and you will be reimbursed by check or direct deposit.

Customize Your Coverage
Pick the plan that works for you! Customize your coverage to maximize your pet’s care while staying within your budget. Find the best plan for you and your pet.

Life Protection

PROTECT YOUR FAMILY'S FUTURE.

The Credit Union partners with LifeHelp ⁵ to provide you with monthly premium costs based on competitive group rates. With several programs to choose from, you'll find the perfect fit for your needs. No medical exam is requried to apply. Easily view your your cost without providing your name, email address, or phone number, when ou apply online.

LEARN MORE to see costs for our Young Family Group Term Life Insurance - There are only a few health questions on the application, and typically, no medical exam is required (eligible ages to apply for coverage are 18-50).

SEE COSTS and learn more about our Guaranteed Issue Group Term Life Insurance - No health questions asked (eligible ages to apply for coverage are 18-64).

Questions? Call LifeHelp, the plan administrator, at 1-800-345-4543.

Accidental Death & Dismemberment Insurance

Unexpected things happen to all of us. Knoxville TVA Employees Credit Union offers each Member (age 18 or older) up to $1,500.00 of complimentary AD&D insurance ⁶ underwritten by Minnesota Life Insurance Company. All coverage reduces by 50.00% at age 70 and older, regardless of age at enrollment.

ENROLL for AD&D

In addition to the $1,500.00 Credit Union paid coverage, you can purchase Additional Coverage at group rates.

LEARN MORE

Hospital Accident Plan

KNOWING YOU'RE COVERED.

Sometimes accidents happen – trust us, we know! That’s why we offer a Hospital Accident Plan (HAP) ⁷ ! With HAP, Members receive:

Plan pays $900.00 per day for each day of hospitalization - up to 365 days for any one injury
Hospital benefits are doubled to $1,800.00 for each day in the Intensive Care Unit (ICU) - up to 365 days
Pays $450.00 for hospital emergency room as an outpatient visit within 72 hours of the accident

ENROLL for HAP

Recuperative Care Plan

Preparation for the unexpected.

Never want to be caught unprepared? We don’t blame you! Our Recuperative Care Plan ⁸ helps eligible Members receive financial assistance for hospitalization due to a covered sickness or accident. It also provides help in covering the expenses of recuperation after leaving the hospital.

Pays $400.00 daily Recuperative Accident daily cash benefit for up to 365 days
Pays $200.00 daily Recuperative Sickness daily cash benefit for up to 365 days

More Than Just a Loan

Protect Your Loan

Life can be wonderful. But it can also get complicated when unexpected things happen. That's why we offer Payment Protection with TruStage™ ⁹ , a loan protection option that could cancel your monthly payments or your loan balance in the event of death, disability, or involuntary unemployment (accidental dismemberment, terminal illness, hospitalization, family medical leave, the loss of life of a non-protected dependent).

Payment Protection can be added at any time during your loan. For more information or to add Payment Protection, call us at (865) 544-5400.

ADDITIONAL INFO

Additional Insurance Coverage

Guaranteed Asset Protection (GAP) ¹⁰ provides a little extra coverage beyond your auto insurance. If your vehicle is stolen or totaled, majority of insurance companies will only pay up to the book value of the vehicle, leaving you to pay the difference. GAP covers the difference between what the insurance company pays toward the loan, what is left of the loan balance, and the deductible up to $1,000.00. GAP through the Credit Union also provides $1,000.00 toward the purchase of a replacement vehicle if financed through the Credit Union within 90 days.

GAP can be added to any auto loan within one (1) year of the purchase date. To add GAP, call us at (865) 544-5400 or visit any branch!

Travelers Auto/Home Insurance for Members

As a Member of KTVAECU^®,you may also be eligible for discounted protection rates not offered to the general public through Travelers Insurance ¹¹ .

Travelers offers special program rates, generous discounts, and savings advice. To request a quote, call toll-free 844-988-5486 or visit the Travelers website. Be sure to have a copy of your current policy handy when requesting a quote.

GET A QUOTE

Disclosures

¹ To join the Credit Union, you must meet membership requirements. Fees may apply. Some restrictions may apply. Ask for details.

² APY = Annual Percentage Yield. Available to qualifying Members. Some restrictions, conditions, and fees may apply. Ask for details.

³ Join Us, Join Us Now lyrics and music are proprietary and solely owned by Knoxville TVA Employees Credit Union. Written permission required. Contact marketing@tvacreditunion.com for more details.

⁴ Pet Insurance available through third-party partner Franklin-Madison. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

⁵ LifeHelp is a third-party partner to Knoxville TVA Employees Credit Union. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. LifeHelp is a registered trademark of Cuenca & Associates Insurance Agency, Inc.

⁶ Accidental Death & Dismemberment (AD&D) available through third-party partner Franklin-Madison. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

⁷ Hospital Accident Plan (HAP) available through third-party partner Franklin-Madison. Must be age 18 or older to apply. Underwritten by Federal Insurance Company, a Chubb company. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

⁸ Recuperative Care (RC) available through third-party partner Franklin-Madison. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

⁹ Payment Protection is available through third-party partner TruStage™. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply. TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER'S CHOICE credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

¹⁰ Service available through third-party partner SWBC Financial Institution Group. Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It may not protect the entire deficiency. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

¹¹ Service available through third-party partner Travelers Indemnity Company. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply. Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty aﬃliates, One Tower Square, Hartford, CT 06183. In TX: Automobile Insurance is offered through Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. In CA: Automobile Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519, State of Domicile: CT; or Travelers Property Casualty Insurance Company, Certificate of Authority #6521, State of Domicile: CT. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. All underwriting companies in CA and WA listed above are located at One Tower Square, Hartford, CT 06183. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features are available in all areas. Other terms, conditions, or exclusions may apply. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.