FAQs

Pay By Mail

Payments can be mailed to the address below:
Tennessee Members 1st FCU
PO Box 6828
Oak Ridge, TN 37831

Pay By Phone

Loan payments can be made over the phone by calling 865-482-4343.

From a TN Members 1st FCU Account

For a Bill/Payment Outside of TN Members 1st

You can set up payments directly from your Tennessee Members 1st FCU account using the Bill Pay feature in Digital Banking. Payments set up through Bill Pay can be one-time or recurring. Once logged in to your Digital Banking, click Bill Pay in the top navigation for specific Bill Pay information, FAQs, and to set up your payment(s).

For a TN Members 1st Loan Payment

You can transfer from your TN Members 1st account to a TN Members 1st Loan using the Transfer feature in Digital Banking. Transfers set up through digital banking can be one-time or recurring. Once logged in to your Home Banking, click ‘Transfers’ in the main navigation to set up specific transfers.

From a non-TN Members 1st FCU Account

You can make a one-time or recurring payment using a debit card or electronically using your account and routing numbers (which can be found on the bottom of your checks) with our Online Payment Portal.

No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

While you don't have to actively be a member at the time you apply for a loan, you do need to be eligible for membership. If your loan application is approved, you will be required to establish membership at the credit union before your loan is finalized and distributed for use.

Yes, we offer a variety of home lending options. Click here to learn more.

Yes. Click here to learn more.

You can apply for a loan by stopping into your local branch or by completing an online application.

Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.

To get a free copy of your credit report, visit AnnualCreditReport.com.

A signature loan is a loan without material collateral such as a car or home. You can use this loan for just about any purpose. Click here to apply online for a signature loan.

TN Members 1st offers the following lending options: 

• Auto Loans 
• Boat Loans 
• Business Loans 
• Credit Builder Loans 
• Education Support Loans
• Farm Equipment Loans
• Home Equity Lines of Credit (HELOC)
• Home Loans 
• Motorcycle Loans
• RV Loans 
• Signature Loans 
• Visa® Credit Cards

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.

According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.

To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.

TN Members 1st does not offer student loans; however, we do offer Education Support Loans to help with education expenses. These loans offer low interest rates, no origination fees, and straightforward terms, so all you need to do is concentrate on your courses! Click here to learn more.