Business Details
Your Trusted Financial Partner in Tullahoma, TN
Ascend Federal Credit Union Federal Credit Union has been dedicated to empowering members through personalized financial solutions since our founding. As a not-for-profit cooperative, we prioritize member needs over profits, offering competitive rates on savings, loans, and investment products. Our commitment to financial education is demonstrated through complimentary Financial Health Checkup appointments with certified counselors. With 27 branches across Middle Tennessee and global ATM access, we combine local expertise with modern digital banking tools. Our community involvement extends beyond financial services, supporting local organizations and educational initiatives.We maintain strict compliance with federal regulations while providing innovative features like overdraft protection and telehealth services. Our membership eligibility spans multiple occupational groups and underserved areas, ensuring broad accessibility. Through strategic partnerships like our Guided Wealth Portfolios with LPL Financial, we deliver comprehensive investment solutions. Our leadership team consistently innovates to reduce fees and improve member benefits, reflecting our 'People Helping People' philosophy. This approach has earned us recognition as a trusted financial partner with a focus on long-term member success.
Services
Savings Accounts
Certificate Programs
Mortgage Loans
Auto Financing
Investment Management
Digital Banking
Financial Counseling
Credit Cards
Overdraft Protection
Wealth Planning
Highlights and features
- We operate as a not-for-profit credit union, returning earnings to members through better rates and lower fees
- Our Financial Health Checkup program provides personalized guidance from certified counselors
- 27 local branches combined with nationwide ATM access ensure convenient service
- We offer exclusive member benefits including telehealth services and phone protection
- Our Guided Wealth Portfolios provide professional investment management starting at $5,000
Associations and certifications
- NCUA
Services
Savings Accounts
Our high-yield savings accounts offer competitive APYs with flexible terms. Members benefit from tiered options including Christmas Club and Health Savings Accounts. Digital tools enable easy fund management while maintaining federally insured security.
Auto Financing
We provide low-rate auto loans for new and used vehicles with streamlined approval processes. Competitive APRs and flexible repayment terms help members achieve vehicle ownership while maintaining financial stability.
Investment Management
Guided Wealth Portfolios offer professional investment management with ETF-based strategies. Certified advisors create personalized plans starting at $5,000, focusing on retirement planning and long-term financial goals through continuous portfolio monitoring.
Financial Counseling
Complimentary Financial Health Checkup appointments provide personalized budgeting guidance and debt management strategies. Certified counselors help members improve credit scores and develop sustainable financial habits through one-on-one consultations.
Digital Banking
Our mobile app and online platform enable 24/7 account access with features like Zelle transfers, bill pay, and mobile check deposit. Security features protect transactions while maintaining user-friendly navigation for all digital banking needs.
Questions
What are the membership eligibility requirements?
Membership requires $5 minimum savings and eligibility through employment groups, family connections, or The Nature Conservancy partnership. No residency requirements apply.
What loan products do you offer?
We provide auto loans, mortgages, home equity loans, personal loans, and recreational vehicle financing with competitive rates and flexible terms for qualified members.
How do your investment services work?
Guided Wealth Portfolios offer ETF-based investing with professional management starting at $5,000. Advisors create personalized strategies aligned with your retirement goals and risk tolerance levels.
What digital banking features are available?
Our mobile app provides Zelle transfers, mobile check deposit, bill pay, account alerts, and secure messaging. Online banking includes budgeting tools and 24/7 transaction monitoring capabilities.
What financial education resources exist?
We offer free Financial Health Checkup appointments with certified counselors, online calculators, and investment education materials to help members improve financial literacy and decision-making.