Get to Know Us
We're proud to be Everybody's Credit Union.


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 member-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…member 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 members 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 since 1936, 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 member 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 member 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.


Board of Directors:
Larry Softley – Chairman
Tim Cornelius – Vice Chairman
Frances Weatherford – Secretary/Treasurer
Lewis Frederick
Joan Marsh
Claude Eubanks
M.J. Ligon
Jim Green
Heather Montgomery

Supervisory Committee
John Soileau – Chairman
Cameron Kay
Colandra Nelson

Sammy Clements – President/CEO
Sherry Vaughn – CFO
Alyssa Ashley – Marketing Director
Amy McCormack – VP of Operations
Tammie Aday – VP of Lending Services
Kelly Adomyetz – VP/Senior Loan Officer

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