Compare credit unions providers in Memphis, TN — 24 listed profiles with pricing, licensing, and CFPB complaint context. Review 24 listed profiles.
Featured providers with verified public review signals. Sorted by stored Google rating. Every listing links to a CreditDoc profile with pricing, licensing, and complaint context.
Memphis, TN
★ 5.0 · 1 reviews
FedTrust Federal Credit Union is a member-owned financial cooperative offering savings accounts, loans, and banking services to individuals in the Memphis area. This Memphis listing is one of 24 listed credit unions providers reviewed by CreditDoc.
View Details →Memphis, TN
★ 5.0 · 7 reviews
UT Federal Credit Union is a member-owned credit union offering checking, savings, auto loans, mortgages, and credit cards with competitive rates and a community-focused approach. This Memphis listing is one of 24 listed credit unions providers reviewed by CreditDoc.
View Details →Memphis, TN
★ 4.9 · 12 reviews
Kennedy VA Employees FCU is a federal credit union serving employees of the Memphis Kennedy Veterans Administration Medical Center and their immediate family members, offering checking, savings, loans, and credit cards. This Memphis listing is one of 24 listed credit unions providers reviewed by CreditDoc.
View Details →Memphis, TN
★ 4.5 · 49 reviews
SecurCommunity Federal Credit Union (formerly Shelby County FCU) is a member-owned financial cooperative serving Shelby and DeSoto counties with auto loans, checking/savings accounts, credit cards, and mortgages. This Memphis listing is one of 24 listed credit unions providers reviewed by CreditDoc.
View Details →Memphis, TN
★ 4.3 · 15 reviews
FAA Federal Credit Union is a member-owned financial institution offering checking, savings, loans, credit cards, and mortgages with competitive rates and nationwide shared branch access. This Memphis listing is one of 24 listed credit unions providers reviewed by CreditDoc.
View Details →Memphis, TN
★ 4.1 · 35 reviews
Member-owned credit union serving City of Memphis employees and affiliated organizations since 1959, offering checking, savings, loans, and CDs with competitive rates. This Memphis listing is one of 24 listed credit unions providers reviewed by CreditDoc.
View Details →Below are every credit unions provider CreditDoc has listed in Memphis, TN. Review pricing, refund terms, licensing, and CFPB complaint context on each profile. Comparing at least three profiles side-by-side is the fastest way to spot outliers on price or terms in the Memphis market.
Memphis, TN
BBB NR
FedTrust Federal Credit Union is a member-owned financial cooperative offering savings accounts, loans, and banking services to individuals in the Memphis area. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
UT Federal Credit Union is a member-owned credit union offering checking, savings, auto loans, mortgages, and credit cards with competitive rates and a community-focused approach. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Kennedy VA Employees FCU is a federal credit union serving employees of the Memphis Kennedy Veterans Administration Medical Center and their immediate family members, offering checking, savings, loans, and credit cards. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
SecurCommunity Federal Credit Union (formerly Shelby County FCU) is a member-owned financial cooperative serving Shelby and DeSoto counties with auto loans, checking/savings accounts, credit cards, and mortgages. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
FAA Federal Credit Union is a member-owned financial institution offering checking, savings, loans, credit cards, and mortgages with competitive rates and nationwide shared branch access. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Member-owned credit union serving City of Memphis employees and affiliated organizations since 1959, offering checking, savings, loans, and CDs with competitive rates. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
SecurCommunity Federal Credit Union (formerly Shelby County Federal Credit Union) offers checking, savings, auto loans, mortgages, and VISA cards to Shelby and DeSoto County residents. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Memphis City Employees Credit Union is a member-owned financial cooperative serving city employees and their families since 1959, offering checking, savings, loans, and digital banking services. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Federal credit union offering nationwide branch access, checking, savings, auto loans, mortgages, HELOCs, credit cards, and business banking services to member-owners. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Federal credit union offering checking, savings, loans, mortgages, and business services with a focus on economic mobility and community development across the Deep South. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Member-owned credit union serving Memphis-area government and municipal employees since 1959, offering checking, savings, auto loans, and personal lending products. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Member-owned credit union serving Memphis-area government and select private employees since 1959, offering checking, savings, loans, and CDs with competitive rates. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Binsy Federal Credit Union was a Memphis, TN-based credit union that merged into Southern Security Federal Credit Union in Collierville, TN as of December 30, 2022. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
LendMesh is a free loan comparison platform that connects borrowers with credit unions and banks to find the best rates on mortgages, auto loans, personal loans, and student loans nationwide. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
CN/IC Employees Credit Union is a Memphis-based member-owned credit union serving railroad and Amtrak employees since 1932, offering savings, loans, and retirement accounts. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Memphis-based credit union serving employees of CN Railroad, Illinois Central Railroad, and Amtrak since 1932. Offers savings, loans, mobile banking, and retirement accounts. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
Family Advantage FCU is a member-owned credit union serving Maury County, Tennessee with checking, savings, lending, and mortgage services across four branch locations. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
FAA Federal Credit Union is a member-owned financial cooperative offering checking, savings, loans, and credit cards with digital banking services and vehicle financing tools. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
FedTrust Federal Credit Union is a member-owned financial cooperative offering savings accounts, loans, and banking services to individuals in the Memphis, Tennessee area. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
Firefighters First Credit Union is a Memphis-based financial institution serving firefighters and their families with membership-based banking and business services. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
HealthNet Federal Credit Union is a member-owned credit union offering checking/savings accounts, loans, credit cards, and financial services with access to 30,000+ surcharge-free ATMs. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
BBB NR
I Trust Federal Credit Union is a Memphis-based credit union offering financial services to members in the Greater Memphis area. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
Marathon County Employees Credit Union (MCECU) is a not-for-profit, member-owned credit union serving employees and their families in Wausau, Wisconsin with competitive loan rates, savings accounts, and financial counseling. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Memphis, TN
Orion Financial is a member-owned federal credit union serving Tennessee, Arkansas, and Mississippi with checking, savings, credit cards, auto loans, and home financing. This is a Memphis credit unions listing on CreditDoc. Verify pricing, refund policy, and state licensing before signing anything.
View Details →Federal protections for Memphis consumers: the Fair Credit Reporting Act (FCRA) gives Memphis residents the right to dispute inaccurate credit report information for free with all three credit bureaus. The Credit Repair Organizations Act (CROA) makes it illegal for any credit repair provider — in Memphis or elsewhere — to charge before services are performed. If a Memphis credit unions provider asks for upfront payment before performing work, treat it as a red flag.
Tennessee state-level protections: Tennessee adds its own state-level rules on top of the federal ones. Interest-rate caps, licensing requirements, refund policies, and enforcement all vary by state. Check the Tennessee overview page for the current usury cap, payday-lending status, and consumer protection agency contact. Every Memphis lender should hold an active Tennessee license — if a provider cannot give you their license number in writing, treat it as a red flag.
How to check licensing: the Tennessee Department of Financial Services (or equivalent agency) publishes a searchable license lookup. Before your first meeting with any Memphis credit unions provider, spend five minutes cross-checking their license status. Providers that refuse to give a license number are often unlicensed to operate in Memphis or have had licenses revoked.
How to research a Memphis provider's track record: the CFPB Consumer Complaint Database at consumerfinance.gov/complaint lists complaints filed against every lender, credit repair company, and debt collector in the country. A pattern of unresolved complaints against a specific Memphis provider is one of the strongest signals available before signing a contract.
Get the pricing in writing. Ask every Memphis credit unions provider for their fees, monthly cost (if applicable), setup fee (if applicable), and APR (for lending products) in writing before signing. Providers that only quote pricing over the phone or that offer "call for a personalized quote" without a public pricing tier are harder to compare and usually more expensive.
Confirm the refund policy. Ask each Memphis provider what happens if you cancel within the first three days (federal CROA window), within the first month, and after the promised results are not delivered. Refund policies are one of the biggest differentiators between credit unions providers in Memphis, and they are frequently not disclosed until after signing.
Cross-check with the CFPB. Search each Memphis provider's exact business name in the CFPB Consumer Complaint Database. A provider with zero complaints is not necessarily better — it may just be smaller. But a provider with a pattern of unresolved complaints in the same category (e.g. billing disputes, misleading claims about credit repair timelines, high-cost lending disclosures) is a strong signal to keep researching alternatives.
Compare at least three providers. Memphis has 24 listed credit unions providers on CreditDoc. Reviewing three provider profiles side-by-side is the fastest way to spot pricing outliers, licensing gaps, and refund-policy differences. Providers that are transparent about pricing, licensing, and refund terms will match this level of preparation on their side; providers that resist it are usually not the right fit.
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