Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. A Tennessee Valley Federal Credit Union Mortgage Advisor will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Mortgage Advisor are only a phone call away if you need help. Contact us at 1-423-634-3690.


Tennessee Valley Federal Credit Union has set aside $20 million at a special 14-year fixed rate of 4.0% and a 24-year fixed rate of 4.5%! These special rates are available for single-family, owner-occupied properties for purchase, rate/term refinance or cash-out refinance while the funds last.


We’ll even waive the origination fee on all 24-year fixed, 14-year fixed, 10-year fixed, 10/1 ARM and 7/1 ARM applications dated June 1 – July 31, 2017 if you have an active TVFCU checking account with a debit card.


  • The monthly principal and interest payment on a $100,000, fixed 4.00%/4.26% APR 14 year loan with 10% down payment is $700.51. Payment does not include taxes and insurance, and the actual payment obligation will be higher. Subject to credit score, loan-to-value, and other restrictions.

  • The monthly principal and interest payment on a $100,000, fixed 4.50%/4.68% /APR 24 year loan with 10% down payment is $511.58. Payment does not include taxes and insurance, and the actual payment obligation will be higher. Subject to credit score, loan-to-value, and other restrictions.

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