No stored Google rating available.
EPB Employees Credit Union is a member-owned financial cooperative serving EPB employees, retirees, contractors, and families in the Chattanooga area since 1954.
Data compiled from public sources
EPB Employees Credit Union (EPBECU) has operated as a not-for-profit, member-owned credit union for 65 years, establishing itself as a financial institution specifically designed to serve employees and retirees of the Electric Power Board (EPB), along with EPB contractors and their families in the Chattanooga, Tennessee region. The credit union is headquartered at 1500 McCallie Avenue with an additional branch at the EPB building, offering in-person service during regular business hours. As a federally-insured credit union, EPBECU operates under NCUA oversight, providing members with the safety and protections associated with the federal credit union system.
The organization has maintained a focus on community-based, member-centric financial services throughout its history. EPBECU offers a comprehensive suite of deposit and loan products typical of full-service credit unions. Members can access savings accounts (Share Savings, Kasasa Saver), checking accounts (including Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes variants), money market accounts, certificates of deposit, IRAs, and accounts designed for minors.
On the lending side, the credit union provides auto loans (new and used vehicles), mortgages (through a partnership with 7 Mortgage), home equity lines of credit, share-secured loans, signature loans, VISA credit cards, and access to Sallie Mae student loans. Digital banking services include Virtual Banking Next, mobile banking, and premium text notifications for account management. What distinguishes EPBECU is its employer-specific membership model, which creates a tight-knit member base with shared professional interests and circumstances.
The credit union leverages partnerships—notably with 7 Mortgage for streamlined online mortgage applications and Kasasa for premium checking accounts—to enhance member value. The organization also provides member discounts, maintains access to the Co-Op ATM Network for expanded cash access, offers insurance services, and includes a Visa debit card program. Additionally, EPBECU demonstrates community commitment through an annual scholarship program and educational content on financial topics.
However, potential members should note that membership is restricted to EPB employees, retirees, contractors, and their families—this is not an open-access credit union. The geographic focus on Chattanooga with limited branch presence may also limit convenience for members outside the immediate area, though digital banking options partially mitigate this. The website provides limited detail on rates, fees, and specific loan terms, requiring prospective members to contact the credit union directly for comprehensive pricing information.
This is state-level context for Credit Unions consumers in Chattanooga, TN. It does not confirm that Epb Employees or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Epb Employees offers 23 services including Share Savings accounts (basic savings), Kasasa Saver high-yield savings accounts, Share Draft/Checking accounts with multiple variants (Kasasa Cash, Kasasa Cash Back, Kasasa Tunes), Club Savings accounts, Money Market accounts, and 18 more.
Epb Employees has profile signals associated with Current and retired EPB employees seeking member-owned financial institution with employer connection, EPB contractors and their immediate family members needing full-service banking and lending products, Members in the Chattanooga area prioritizing in-person service and mortgage access through established partnerships, Individuals seeking credit union benefits (lower fees, member ownership) within the EPB employment community.
Key strengths: Member-owned, not-for-profit structure with NCUA federal insurance protection; Established 65-year track record serving the same employer community (EPB employees and families); Multiple checking account options with Kasasa products offering rewards and cash back. Areas to consider: Membership is restricted to EPB employees, retirees, contractors, and their families—not open to the general public; Limited branch presence (only 2 locations in Chattanooga area) with restricted hours and lunch closure.
In the Credit Unions category, comparable providers include Alcoa Tenn, Appliance, Ascend. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
EPBECU is profiled for employees, retirees, and contractors of the Electric Power Board (EPB) and their families seeking a member-owned alternative to traditional banks with personalized service and competitive credit union products. The primary caveat is that membership is strictly limited to the EPB employment community—this is not an open-access financial institution, which significantly restricts its potential member base but strengthens community cohesion for those who qualify.
Alcoa Tenn Federal Credit Union is a member-owned, NCUA-insured financial institution serving Blount, Loudon, and Monroe Counties in Tennessee with over 90 years of history.
Profile signals: Tennessee residents in Blount, Loudon, or Monroe Counties seeking community-based financial services, Members prioritizing deposit safety and NCUA federal insurance protection
Appliance Credit Union is a member-owned financial institution offering checking, savings, loans, and credit cards with 24/7 digital access via mobile app and online banking.
Profile signals: Credit union members seeking integrated digital and branch banking with strong mobile access, Borrowers needing vehicle, personal, or mortgage loans from a member-owned institution
Ascend Federal Credit Union is a not-for-profit credit union offering checking, savings, loans, credit cards, and business services with rate claims to verify and member-focused benefits.
Profile signals: Eligible employees of Ascend's partner organizations seeking rate claims to verify on deposits and loans, Consumers prioritizing high-yield checking and savings rates over branch network size
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Epb Employees and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.