(423) 267-7621

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Far from Wall Street.
Down on Broad Street.

Chattanooga's FIRST Federal Credit Union

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Credit Union Serving the
Local Community in Chattanooga, TN

Chattanooga First Federal Credit Union (CFFCU) has a long history of serving the local community.
Since 1961, we’ve created a unique banking solution where being a member of CFFCU has made a big difference in people’s lives. As a member of CFFCU you’ll be a owner of the credit union, along with the other members.

We don’t answer to Wall Street. We all answer to each other. Together, we’ve built a modern alternative to traditional banks, one where we’ve created banking products and services tailored to the Chattanooga, TN community.
We invite you to learn more about CFFCU membership and its benefits. For more details, call (423) 267-7621

Be part of a different type of banking!

YOU’RE A MEMBER, NOT A NUMBER.
Trusted Business

Our staff here are all members because we prioritize our customers by being trustworthy & reliable.

Local Service

Our decisions are made locally because we don’t answer to outside corporate management.

Friendly Staff

Come in and see how you could benefit from being a part of the CFFCU Community on Broad Street.

Convenient Location

We offer excellent service at a great location with ample parking, to make things easy for our customers!

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Banking tailored to your needs

How To Join

Being a member means you’re part owner and you have a voice. Belonging to our union gives you the ability to vote on how we do things.

Online Banking

We want to make your banking experience with us simple, that's why we've created customer-friendly online banking services.

Member Services

Get valuable member benefits and services on checking & savings accounts, home banking, debit & ATM cards and much more.

Rates

Having your bank account with CFFCU has many benefits. One of the most attractive ones is our member rates on Certificates and IRAs

Loans

We offer our valuable members loan rates on car financing, boats, RV/Campers, farm equipment, real estate and many more.

Online Resources

Providing you with useful online resources to make safer, securer & wiser decisions when you're thinking about purchasing a new car.

Loan Calculator

Our loan calculator is a valuable tool for members to determine the total cost, including interest rates and fees associated with a loan.

Contact Us

Looking for a trustworthy credit union? Join CFFCU today for our personalized service & competitive rates that we pride ourselves on.

Repossessed Vehicles
For Sale

Follow our CFFCU Repossessed Vehicles For Sale Facebook Page for bargains on Vehicles, Campers, Boats & more!

Give us a call at (423) 267-7621 during business hours or drive by 3120 Broad Street, Chattanooga, TN 37408 any time night or day, seven days a week to see our current selection of repossessed vehicles for sale.

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We Love Our Clients

Andrew A.
Andrew A.
As a newer member of CFFCU I have been very happy with the level of service I have received, and I am about to work on a mortgage through them as well. Getting to know their staff has been enjoyable; it's clear that they are a true members first organization. Being smaller does allow them to know you better and therefore be able help you in a more personal way. They are missing some of the mobile banking that I have been able to do with larger banks in the past, though after talking to them about this I know they are trying to move more extensive services into place as quickly as possible. I really like the low loan rates and high interest rates that I can receive here, too.
Jamie H.
Jamie H.
I opened a savings account here, and I wanted it separated from my bank, because if I have spare money, I'll spend it! Terri sat with me and went over my credit with me and helped guide me on my way. I'm starting savings late, at 37, but she was very helpful and said that 37 is better than 47, or 57! She even offered to help get my bills in order once my credit rating goes up a few points. They go the extra mile because they do care. Thank you!
Jason W.
Jason W.
I have been a member of Chattanooga First Federal Credit Union for about five years, and it is the greatest financial institution I've ever experienced. When I started with Chattanooga First, I was in the process of rebuilding credit and needed an extensive amount of handholding. Not only did I get the advice and counseling I needed, they were willing to walk me through the processes to improve my situation. They cared about me, and I never sensed I was bothering them. Some of my concerns were intricate, and I needed the time they freely gave me. Several years later, my credit score is back about 700 and I just closed on a house with Chattanooga First. They also have my auto note of four years, and have done more for me than I can ever express. Chattanooga First is the epitome and a golden example of the credit union concept, a movement which began a century ago to service the needs of individuals and families in a truly cooperative manner. I tell the staff of Chattanooga First how much I appreciate them regularly. I'm just one member, but I feel as though my issues matter to every rep to whom I speak and with whom I do business. There is no possible way I could have accomplished this much without Chattanooga First Federal Credit union, and I say this from the bottom of my heart. They are a key part of my plan to keep my financial life stable, growing and backed up by the best information and services available to me. They have the ability to make decisions locally. Customer service, to me, has been extraordinary.
Erin K.
Erin K.
I LOVE my Credit Union. I get the best service I've ever gotten anywhere. Very responsive to questions I've had. Just did a ReFi and it went smooth as silk. I also have my auto loan there. I would highly recommend CFFCU.
Leah W.
Leah W.
I've been a member here for 12 years and my dad for 30. They have always help us.

Coming Soon - New Online Banking Security Feature

The protection of your personal information is very important to us. We are pleased to announce an added login security feature that helps guard your personal information by adding another layer of identity verification to online financial interactions.

How does the new security feature work? When logging into online banking on your computer, you will receive a message [text or voice] on your phone with a 6-digit code. You will be asked to enter this code to complete the login process on your computer. This feature takes the place of answering security questions when logging into online banking. This feature is also available in the mobile app.

Effective 9/16/2025 we will be enabling new security features in our online banking platform. These security features will help to ensure that your Chattanooga First FCU online accounts are protected from scammers, fraudulent access and other cyber threats.

As part of this rollout, all current users will be required to select new challenge questions/answers beginning 9/16/2025 and set up phone numbers that will be able to receive one-time passcodes over the phone for each login going forward.

Please make sure that the phone numbers currently listed for your online account are correct. You can add up to five (5) phone numbers to receive the over the phone by either text or voice call. As a part of this security enhancement, any attempt to log into your accounts from an unknown device, different location, web browser, etc. will prompt the system to ask you one of your challenge questions. However, logging in from the device or location used to set up your challenge questions will only require the use of the over the phone.

If you have any questions regarding these changes, please contact us at (423) 267-7621. Thank you.

We look forward to welcoming you as a member!

Since 1961, we’ve been providing the Chattanooga community with banking solutions that work for our members, not for Wall Street.
Joining Chattanooga First Federal Credit Union means you’re a member and a part owner of our business. We decide together what’s best for all of our members.

We offer valuable services and products like online banking, checking accounts, savings accounts, debit and ATM cards, IRAs, Certificates, and more. We also have partnerships that allow us to offer our members specials on cell phone plans, insurance, and student loans.

To learn more about our credit union in Chattanooga, TN, please call (423) 267-7621 or send us a message by email. 

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