At a glance
From its website, read 2 Nov 2026Trust Federal Credit Union is a credit union based in Chattanooga, Tennessee. Its website describes auto loans, home mortgages and personal loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (423) 870-7610 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.trustfcu.com |
| Office (official list) | 555 Walnut St., Ste. 100, Chattanooga, TN 37402 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | As low as 6.365% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | As low as 4.99% | source |
| Home mortgages | Rate stated, not as an APR: see their wording | As low as 5.99% | source |
| Home mortgages | Rate stated, not as an APR: see their wording | As low as 6.24% | source |
| Loans (general) | Term: see their wording | With terms up to 144 months on boats and RVs | source |
| Home mortgages | Term: see their wording | Balloon Mortgages 7 Years | source |
| Home mortgages | Term: see their wording | Balloon Mortgages 10 Years | source |
| Personal / consumer loans | Term: see their wording | APR* 36 Months APR* 48 Months APR* 60 Months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Feb 2015 |
| RSSD ID | 392198 |
| Address | 555 Walnut St., Ste. 100, Chattanooga, TN 37402 Directions (Google Maps) |
| Website | www.trustfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area is stated on the pages fetched, and only the personal loan amount range is given. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Purchase, refinance or get pre-approved for a vehicle loan with us. | source |
| Home mortgages | — | We offer a wide variety of Mortgage Loans. FHA, VA, USDA, Conventional, we do them all. | source |
| Personal / consumer loans | $1,000 – $20,000 | Personal loan amounts are based on creditworthiness and range from $1,000 to $20,000. | source |
Loan sizes
Personal loan amounts are based on creditworthiness and range from $1,000 to $20,000.
source
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Easy Online Application
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.1 million in 2 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,250,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
Emergency Capital Investment Program (ECIP)
Treasury invested $3.5 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as TRUST (charter 24629). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $141.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 7,535 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Tennessee (3 offices)
- Hamilton County (3): 555 Walnut St Ste 100, Chattanooga 37402 (main office); 1529 Gunbarrel Rd, Chattanooga 37421; 2186 Northgate Park Ln, Chattanooga 37415
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Trust Federal Credit Union (NCUA charter 24629, filed as “TRUST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $106.2 million, 2,611 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.7% from $99.6 million on 30 Jun 2025 |
| Members | 7,535 (as of 30 Jun 2026); 8,162 (as of 30 Jun 2025) |
| Loans per member | $14,097 (total loans divided by members, 30 Jun 2026) |
| Total assets | $141.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.1 million | 5.7% |
| Used vehicle loans | $11.9 million | 11.2% |
| First-lien home mortgages (1-4 family) | $40.3 million | 38.0% |
| Other real estate loans (junior liens, other) | $42.9 million | 40.4% |
| Other unsecured loans | $3.7 million | 3.5% |
| Leases and other secured loans | $1.2 million | 1.2% |
None reported on the 30 Jun 2026 report: commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Trust Federal Credit Union reported 27 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $7M (median loan about $265,000). 12 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 12 | 44% |
| Refinance (incl. 11 cash-out) | 15 | 56% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 27 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 7 counties with at least one; 59% of its 2025 loans were for properties in Tennessee:
- Hamilton County, TN (11)
- Walker County, GA (8)
Filed under LEI 549300V4IWDO6EFUKC70 as “Trust Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $141.8 million | Larger than 45% of the 11 other certified credit unions in Tennessee (median $182.8 million). |
| Loans as a share of assets | 75% | Median of the same 11 credit unions: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $99.6 million → $106.2 million (+7%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 7 → 7. |
| Home loans originated in 2025 (HMDA) | 27 | More than 8% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 45% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 7 → 7 of 12 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 8% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Chattanooga and Tennessee
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Brightbridge, Inc.Loan fund · Chattanooga, TNOfficial list only
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Trust Federal Credit Union? Link to this page
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