Frequently Asked Questions
- 2025 BOD Nominations
- About TN Members 1st
- Account Questions
- Annual Meeting FAQs
- ATM Questions
- Audio Access Update FAQs
- Bill Pay
- Checking Questions
- Common Digital Banking Errors
- Community Day Participating Partners
- Debit Card Questions
- Digital Banking Access & Enrollment
- Digital Banking Alerts
- Digital Wallet
- Elan Card Conversion
- Elan Credit Cards
- eStatements
- External Accounts & 3rd Party Providers
- Financial Literacy Questions
- Food Drive with Second Harvest of East Tennessee
- General Product and Service Questions
- Home Banking Questions
- Loan and Credit Questions
- Logging in to Digital Banking
- Member Assistance
- Miscellaneous Questions
- Nudge Money
- Remote Deposit
- Roth IRA Questions
- Security Questions
- Share Certificate Questions
- Share Certificates
- Shared Branching IDCheck FAQs
- Transfers & Transactions
- Travel
- Updating Information in Digital Banking
To establish good credit, you need a steady work record and continued residence at the same address. If you do not have a checking account, you can help to establish credit by opening one and being careful not to overdraw your account.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker's and cosigner's credit reports.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, explore alternatives.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
To make this decision, calculate your monthly payments and your total net cost. When you compare these amounts, you can determine which option is right for you.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
-
Explore options for easing financial stress and achieving financial goals.
-
Discuss your credit and provide tips for improving your credit score.
-
Look at student loan repayment options, including the pros and cons.
-
Discuss debt repayment options.
-
Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
-
Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.