A TN state employee credit union can be a wise choice for your banking needs. State of Tennessee employees’ credit unions provide some of the lowest loan rates around with competitive interest rates and flexible terms, which make them perfect for auto and home loans or lines of credit. Tennessee state employees can also take advantage of the credit unions’ checking and savings options, investment opportunities or low rate credit cards.

Choosing to bank at a TN state employees’ credit union is tricky. In order to join one of these credit unions, you need to be a TN state employee or a family member of a TN state employee. Check to see if you qualify for a state credit union or try a Tennessee state federal employee credit union that allows state employees to also join.

Consider the following when looking for state employees' credit unions in Tennessee:

1. Learn specifics about a state employees’ credit union in TN from current members.

2. Find state employees’ credit unions in Tennessee that have online sources.

3. Look for state employees’ credit unions in TN with local branches.

Action Steps
The best contacts and resources to help you get it done

Locate a specific TN state employees' credit union by name

One of the best forms of advertising is word of mouth. Listen to others when you're looking to join a government employees' credit union of Tennessee. You can then research each credit union to see if you qualify and decide if any of them meet your needs.

I recommend: Use the Community Banker to locate a state employees credit union in TN by name. Click on any of the state employees’ credit unions in Tennessee to find out more information about them. With Credit Union Directory, you can compare the rates of each credit union for Tennessee state employees’ side-by-side. Use it to find the best rates in your area.

Find a Tennessee state employees' credit union to join

If you or family members meet the eligibility requirements, join a Tennessee state employees' credit union. It can save you money while serving all your financial needs.

I recommend: State employees as well as many other employees can join DHS Credit Union. It’s located in Nashville, TN. According to the employee benefit package for TN employees, finance and administrative state employees are eligible to join Southeast Financial Federal Credit Union. Although it’s main branch is in Nashville, there are 15 branches located around TN. There’s a membership fee of $1 and a $5 deposit to open an account; but your share deposit needs to reach $50 before you qualify for any other accounts. Memphis Municipal Employees Federal Credit Union is located in Memphis, TN and open to state, federal and local government employees. A deposit of $14, of which $9 is non-refundable, gives you access to all its banking services.

Select a state employee's credit union in TN that caters to teachers

Many state employee credit unions in TN are open to teachers and other employees in the school system. See if you meet the requirements to take advantage of all the added benefits you receive by becoming a member of a credit union geared especially towards those in the field of education.

I recommend: If you're an employee of the school system in Tennessee, which includes public, private, college and university employees as well as other educational associations, institutions and organizations, you're eligible to open an account with Cornerstone Financial Credit Union. It’s located in Nashville and has branches in Clarksville, Dickson, Franklin, Hendersonville and Murfreesboro. Knox County Teachers Federal Credit Union is also open to people in education. It includes principals, custodians, administrators, support personnel and maintenance personnel, as wel. It’s located in Knoxville, TN.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Once you qualify for membership in a state employee credit union in TN, you remain a member even if your circumstances change.
• •  Many state employee credit unions in Tennessee offer shared branching, which means you can use another city or state's credit union as if it was your local state employee credit union.