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IBEW 175 Federal Credit Union is a member-owned financial institution serving union members and their families since 1961, offering competitive loan rates, savings accounts, and digital banking services.
Data compiled from public sources
IBEW 175 Federal Credit Union has been operating since October 14, 1961, as a not-for-profit, member-owned financial cooperative. The credit union was established to serve members of the International Brotherhood of Electrical Workers (IBEW) Local 175 and their families, providing accessible financial services to this community. The organization is federally chartered and NCUA-insured, operating under the regulatory framework that governs credit unions in the United States.
The credit union offers a comprehensive suite of financial products including auto loans (as low as 4.00% APR), camper loans (6.00% APR), signature loans (12.00% APR), and various savings and share accounts. Members have access to eStatements with no listed cost, online and mobile banking available 24/7/365, and a Skip-a-Payment program that allows borrowers to temporarily pause loan payments during financial hardship. The institution provides financial calculators to help members understand loan costs and savings growth, and maintains a loan application process designed to help members finance vehicles and other assets competitively.
IBEW 175 FCU distinguishes itself through its union affiliation and member-centric approach, offering rates and terms specifically competitive for its membership base. The credit union emphasizes personal service and community, marketing membership as providing "comprehensive financial products, rate claims to verify and great personal service." The free mobile apps for iOS and Android, combined with 24/7 account access, position the credit union as technologically accessible. Additionally, the Skip-a-Payment program demonstrates flexibility in member hardship situations.
However, the website contains limited detail about eligibility requirements, specific membership criteria, or account features beyond basic descriptions. The audit department contact address in Acworth, Georgia, and references to "membership qualification" suggest membership may be restricted to specific populations rather than open to all consumers. The rates displayed are "as of 08/01/2025" and explicitly subject to change, and loan approval depends on individual creditworthiness and other standard underwriting criteria. For those outside the union membership base, this credit union may not be accessible.
This is state-level context for Credit Unions consumers in Chattanooga, TN. It does not confirm that I B E W 175 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.
I B E W 175 offers 12 services including Auto loans with rates as low as 4.00% APR, Camper/recreational vehicle loans at 6.00% APR, Signature loans at competitive rates (as low as 12.00% APR), Share savings accounts and deposit products, eStatements (free online statement delivery), and 7 more.
I B E W 175 has profile signals associated with IBEW Local 175 union members seeking competitive auto and vehicle financing, Credit union members prioritizing 24/7 digital banking and mobile app access, Borrowers experiencing temporary financial hardship who need flexible payment options, Union households seeking member-owned financial institutions with community focus.
Key strengths: Auto loans as low as 4.00% APR, significantly below national averages for credit union rates; Camper/recreational vehicle loans at 6.00% APR, a listed loan product not all credit unions offer; Free eStatements and 24/7/365 online and mobile banking access included with membership. Areas to consider: Membership eligibility appears restricted to IBEW Local 175 members and their families, limiting accessibility to general consumers; Website provides minimal detail about specific membership requirements, account fees, or eligibility criteria.
In the Credit Unions category, comparable providers include FedTrust Federal Credit Union, Kennedy VA Employees FCU, Life Credit Union powered by Fortera. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
IBEW 175 Federal Credit Union is profile signals for current and prospective members of IBEW Local 175 seeking competitive vehicle financing and union-member-focused financial services with strong digital banking capabilities. The primary caveat is that membership is restricted to union members and their families, making it inaccessible to the general public; eligibility requirements should be confirmed directly with the credit union before applying.
FedTrust Federal Credit Union is a member-owned financial cooperative offering savings accounts, loans, and banking services to individuals in the Memphis area.
Google rating from 1 review
Profile signals: Memphis-area residents or employees with payroll deduction eligibility seeking personalized service and member-owner benefits, Individuals seeking traditional mortgage, auto, or motorcycle financing with rate claims to verify and personal service
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.
Google rating from 12 reviews
Profile signals: Current employees of Memphis Kennedy Veterans Administration Medical Center, Family members (parents, children, siblings) of VA Medical Center employees seeking member access
Life Credit Union, now part of Fortera, is a federally insured credit union offering checking, savings, loans, and credit cards across Tennessee and Kentucky with multiple branch locations.
Google rating from 67 reviews
Profile signals: Tennessee and Kentucky residents seeking local branch banking with digital convenience options, Military members and families with access to the Fort Campbell branch location
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