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TENCU is a member-owned credit union serving Middle Tennessee with 8 branch locations, offering personal loans, auto financing, mortgages, and deposit accounts since 1950.
Data compiled from public sources
Ten Credit Union (TENCU) was founded in 1950 and has grown to serve members across Middle Tennessee with physical branches in Nashville, Cookeville, Bellevue, Rivergate, Cool Springs, Gallatin, and Johnson City. As a federally-insured credit union regulated by the NCUA, TENCU operates as a not-for-profit member-owned institution, meaning members are technically owners rather than customers. The credit union celebrated its 75th annual membership meeting, indicating a stable, long-established organization with deep community roots.
TENCU offers a comprehensive suite of financial products including personal loans (as low as 10.99% APR), auto loans (as low as 5.49% APR), mortgage loans, credit cards (Platinum Visa at 14.15% APR), and deposit products like checking, savings, money market accounts, and share certificates (3.65% APY). Members can access wealth management services through Bethel Coleman, CRPC, student loan products, and insurance services including auto and home insurance. Digital banking is available through online banking, mobile banking, and video banking platforms with 24/7 access.
TENCU distinguishes itself through its membership model, which theoretically provides better rates and lower fees than for-profit banks, and its emphasis on financial education through free Money IQ resources. The credit union maintains multiple physical branches and shared branch/ATM networks, providing members with widespread in-person access. They actively engage members through community initiatives and offer tools like credit score tracking, financial calculators, and a "Switch to TENCU" program for account transfers.
However, as a regional credit union, TENCU's reach is limited to Middle Tennessee, making it inaccessible to non-members in other areas. While rates are competitive, they are not exceptionally low compared to other credit unions or online lenders. The website provides limited detail on membership requirements, eligibility criteria, or specific underwriting standards, which may affect accessibility for some consumers.
This is state-level context for Credit Unions consumers in Nashville, TN. It does not confirm that Ten 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.
Ten offers 12 services including Personal loans, Auto loans and vehicle financing, Mortgage loans for home purchase and refinance, Credit cards (Platinum Visa), Student loan products, and 7 more.
Ten has profile signals associated with Middle Tennessee residents seeking lower-cost banking and lending through a member-owned cooperative structure, Auto buyers and borrowers wanting rate claims to verify with local branch support and personal service, Members prioritizing stability and community connection over seeking the absolute lowest rates nationally.
Key strengths: Member-owned credit union structure typically offers lower rates and fewer fees than for-profit banks; Competitive auto loan rates starting at 5.49% APR and personal loans at 10.99% APR; Eight physical branch locations across Middle Tennessee plus shared branch and ATM network access. Areas to consider: Geographic limitation: only serves Middle Tennessee region, restricting membership and accessibility; Limited transparency on membership eligibility requirements and qualification standards on website.
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
TENCU is profile signals for Middle Tennessee residents who value the member-owned cooperative model and want to consolidate banking, lending, and investment services with a stable, community-focused institution. The main caveat is geographic limitation—non-residents cannot join, and rates, while competitive, are not necessarily lower than national online alternatives or other credit unions.
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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