Top Questions

Top Five

• Who can join Knoxville TVA Employees Credit Union?
  

  Knoxville TVA Employees Credit Union Membership is available to anyone who lives, works, worships, or attends school in the following counties as well as Johnson City, Tennessee: Blount, Hamblen, Jefferson, Knox, Loudon, Roane, Sevier and Sullivan. Family members related to any Member of Knoxville TVA Employees Credit Union are also eligible to join.

• How do I apply for a loan?
  

  Apply for a mortgage loan via our Mortgage Center.

  Apply for a consumer loan or credit card using our 

  Online Loan Application

  .

  Call our Loan Line at (865) 544-LOAN (5626).

  Call our Contact Center
  Monday through Friday: 7:00 AM – 7:00 PM
  Saturday: 8:30 AM – 1:00 PM

• What is the credit union’s routing number?
  

  The routing number for Knoxville TVA Employees Credit Union is 264279567.

• What devices can I use to get access to my accounts?
  

  For mobile banking, use the iPhone/iPad, Android, or Kindle app.

  For standard touchtone phone access, use our telephone banking system. Contact us to get a PIN.

  For browser access, use Chrome, Firefox, Google Android OS browser, Internet Explorer, Internet Explorer Mobile, or Safari. See our Online Banking section for version details.

• What is the difference between credit unions and banks?
  

  Credit Unions

  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

  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.

More FAQs

• Where can I download the KTVAECU mobile app?
  

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

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

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

• Are branches closed today?
  

  We try to send an email to Members when branches will be closed. Visit the Holidays page to view the scheduled closings for the year. Special hours and closings are also posted on the Credit Union's Facebook Page. 

• When is a specific branch open?
  

  Branches have hours based on what is most convenient for Members in that area. To find your closest branch and its hours, visit the Locations page.

• What if I am locked out of my account?
  

  If you've attempted to log in to online banking or the app multiple times, you might be locked out of your account. Visit the Contact Page and choose "Online Banking" from the dropdown menu, then provide your contact information so we can contact you about unlocking your account. 

• How can I deposit a check after branches are closed?
  

  Mobile check deposit is available through the Credit Union Mobile Banking App! You’ll find step-by-step instructions in the Mobile Check Deposit section.

• Where is a free ATM?
  

  Visit our Locations page to search for Surcharge-Free ATMs close to you! A Credit Union Membership gives you access to over 55,000+ free ATMs.

  Allpoint, Co-Op Financial Services, and KTVAECU ATMs are surcharge-free for all Knoxville TVA Employees Credit Union cardholders. Your financial institution may impose a separate service fee on a transaction conducted at an ATM it doesn’t own.

• Is online banking or the mobile app down?
  

  Scheduled maintenance usually happens when we expect only a small amount of Members to access accounts. This usually means late at night or very early in the morning. Scrolling banners are placed 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. 

• Is there a delay in direct deposits?
  

  The Credit Union posts all deposits as soon as they are received from the company your deposit is from such as your employer or Social Security. If you notice a delay, an employer could have been delayed in sending the deposit. 

• What mobile wallet services are offered?
  

  Apple Pay and Samsung Pay are available.