Get to Know Us


Founded in 1936, our credit union held the distinction of being known as Alabama’s oldest federally chartered credit union. Muscle Shoals TVA Employees Federal Credit Union, as we were known in those days, was first housed in the TVA Administrative Building in Muscle Shoals. In 2006, our Board of Directors moved to change from a federally chartered credit union to a state chartered credit union. This allowed us to expand our membership to cover the seven North Alabama counties of Colbert, Lauderdale, Limestone, Marshall, Morgan, Lawrence and Franklin.

In 2011 TVACCU celebrated our 75th Anniversary. We are proud of our rich heritage and we celebrate the many changes that have made us who we are today. But our most exciting view is definitely that of our future. Technological advances afford us a unique opportunity to meet members’ needs like never before. Our continuing commitment to unsurpassed service coupled with technology-based convenience makes TVA Community Credit Union truly a unique find in today’s financial world.

The TVACCU Difference

If you’re considering joining TVACCU, you may be asking yourself, “What is the difference between a credit union and a bank?”

The main difference lies in ownership. Credit Unions are customer-owned while banks are commonly owned by shareholders. As a member/owner, you have the right to vote and even run for the Board of Directors. This process ensures that your credit union is looking out for your financial interest and not those of a few wealthy stockholders. Credit Unions are also regulated by the government and are federally insured.

Any excess earnings that a credit union may have are returned to the members in the form of superior loan rates, lower fees, higher interest earned on savings and checking accounts and no minimum balance requirements.

But credit unions are the right choice for another reason…customer satisfaction. At TVACCU, our members are the very heart of all that we do. At TVACCU we know your name, we know your needs and we know what’s important to you. Your well-being and satisfaction are always paramount. The ‘home-town’ service and genuine concern for our customers finds its basis in the credit union philosophy, “Not for profit, not for charity, but for service!”

What We Believe

When you’ve been around over 75 years, you learn a thing or two about how people want to be treated and you learn what’s really important to them. While mission and vision statements are important, TVACCU understands that what you really want to know is who we are. The statements below are the principles that we believe and that we live by.

  • We believe in surpassing your needs and expectations, not just meeting them.
  • When you call us, we believe an actual person should answer the phone.
  • When it comes to customer service, the best is not enough –We strive to be legendary.
  • We take every opportunity to let you know how important you are to us.
  • We believe award winning service and trust are better than a toaster.
  • Courtesy is not dependent on the size of one’s bank account.
  • We would never say anything in this size print that we wouldn’t say IN THIS SIZE.
  • We believe in treating others the same way that we want to be treated.
  • All the technology in the world is no substitute for customer service.

Our Commitment to You
When you walk through our doors, you will know how important you are to us! It is our goal to not only meet your needs and expectations, but to surpass them in a manner unequaled by any other financial institution.


At TVACCU, ‘community’ is more than just a word in our name. It’s who we are! Our founding philosophy, “People helping people” exemplifies the very heart of our credit union. For over 75 years, we have celebrated and supported the communities that we call home. Whether we’re sponsoring events, partnering with other businesses, assisting financial literacy programs or developing opportunities for our employees to participate in worthwhile community projects, it’s our goal to show our members and our communities – TVA Community Credit Union CARES!

News & Events


Giving Hope

Hope-Pantene-Beautiful-LengthsA proud participant in Pantene’s Beautiful Lengths program, Hope Etheridge, Manager of our Mall Drive Branch, recently donated her own beautiful lengths to Pantene’s program which provides free, real-hair wigs to the American Cancer Society’s wig-banks, who distribute wigs to cancer patients across the country. Many women helped by the program say that putting on a wig makes them feel like themselves again. Hope is also passing down her legacy of giving to her daughter, Bralan, who will also be donating her hair to Beautiful Lengths! For more information, visit Pantene Beautiful Lengths on Facebook.

Toys for Tots

Truck-at-Ray-MillerTVACCU’s Judy Thompson organized our 2013 Toys for Tots Campaign.

Muscle Shoals Christmas Parade

2013-float-Santa's-Workshop2013-donationOur 2013 ‘Santa’s Workshop’ Christmas float won 1st place in the Muscle Shoals parade. TVACCU donated the $500 prize money to the North Alabama Christian Children’s Home in Killen.

Killen Founder’s Day 2013

Killen Founder’s Day 2013 with Becky & Whitney from our Killen Branch

Oktoberfest 2013

Nick-Walton-2013Nick Walton, Whitney Green & Alyssa Bole were on hand for Oktoberfest.

Kids-Pedal-Tractor-Pull-2013trophies-for-Pedal-Tractor-PullTVACCU is a proud sponsor of the ever-popular ‘Kids Pedal Tractor Pull’.

Dwayne-Posey-Tractor-Show-2013Dwayne Posey of our TVACCU Supervisory Committee proudly displays his 1950 Ford Tractor for the Antique Tractor Show!

Hot Music + Cool Temps = 1 Great Handy Fest!

2013-Street-Strut2013 may go down in history as the coolest Handy Festival in history. The combination of amazing music and perfect temperatures made for some record breaking crowds. TVACCU kicked off the festival with a Handy tradition, the Shoal Creek Concert, hosted by our very own Freddie & Rhonda Cabler. Next we joined the Midnighters for the North Court Median event. We wrapped up Handy Week in Wilson Park for the ever-colorful Street Strut. The temps may have been cool but the TVACCU Prize Wheel was always hot!!!


SONY DSCTVACCU was honored to receive the Business Award for Outstanding Community Service from Alpha Phi Alpha Fraternity at the Kickoff Breakfast for the Martin Luther King, Jr. Celebration at the Marriott Conference Center.

Shoals Home Builders Association ShowA record crowd was on hand for the Shoals Home Builders Association show at the Marriott Conference Center. TVACCU’s famous ‘prize wheel’ was in full swing throughout the weekend!

Ribbon Cutting CeremonyOur newest location on Wilson Dam Road is NOW OPEN!  Hundreds joined TVACCU as we celebrated our Grand Opening and Ribbon Cutting Ceremony.

Mayor Bradford and Beautification AwardMuscle Shoals City Mayor Bradford presents TVACCU with the Beautification Award!

“Power of Pink” 5K

TVACCU employees, Sallie Holland & Tara Johnston took part in the “Power of Pink” 5K at McFarland Park earlier this month as part of Breast Cancer Awareness Month. Your TVACCU Family is proud of you!


HELEN KELLER FESTIVAL – Food, Music and….Monkeys?

One thing is for certain when it comes to the Helen Keller Festival – It’s going to be HOT – But as far as everything else is concerned, you never know what you’re going to see! Take a monkey in a diaper drinking from a bottle for instance…and all the while, our credit union employees braved the heat to show our community some genuine TVACCU hospitality. Hundreds stopped by our TVACCU booth to spin our infamous “Prize Wheel” and to see that we truly are “Everybody’s Credit Union”!


2012 turned out to be one of the best on record for the ever popular Handy Festival. For 10 days straight, the Shoals area gave the rest of the world a small glimpse into what makes our music and community so great. The music and the weather were hot as musicians from near and far showcased their tributes to blues legend, W.C. Handy. And as usual, TVACCU was right in the middle of it all, quick with a smile and a fan. We’re also proud to have our own TVACCU ‘Handy Royalty’ – Turns out W. C. and Mattie James, Head Teller at our Dr. Hicks location are distant cousins!


TVACCU was proud to celebrate Killen Founder’s Day with our Killen community, beginning with the ever popular Founder’s Day Parade. We continued the celebration throughout the weekend at our TVACCU Booth at Killen Park. Incredible music and food filled the air, as local artists displayed their handy works. TVACCU member and author Rickey Butch Walker was on hand with copies of his books, including the only full book ever written about Chickasaw Chief George Colbert – Chickasaw Chief George Colbert: His Family and His Country.


Board of Directors:
Lewis Frederick – Chairman
Larry Softley, Jr. – Vice Chairman
Frances Weatherford – Secretary/Treasurer
John Allgood
Janet Darcy
Claude Eubanks
Cameron Kay
M.J. Ligon
Ann Underwood

Contact Supervisory CommitteeSupervisory Committee
David E. Nichols – Chairman
Jim Green – Secretary
John Soileau

Kimball Burkett – President/CEO
Sammy Clements – EVP
Rhonda Cabler – CFO
Alyssa Bole – Marketing Director
Amy McCormack – VP of Lending Services
Tammie Aday – VP/Senior Loan Officer

To become a member, fill out an application form or visit one of our locations.

Want to know more?
Call (256)386-3000 or e-mail us.