Chattanooga Area Schools Federal Credit Union: Your Credit Union for Savings and Loans

January 08, 2026

We offer affordable financing and impactful dividends to educators in the Chattanooga area. Make sure you’re taking advantage of the following services and benefits that are relevant to you, and available as a Chattanooga Area Schools Federal Credit Union member.

Loans

First and Second Mortgages

From buying your first home to making a big move, our knowledgeable specialists can help make the home-buying process simple. We offer pre-approvals and terms up to 30 years on first and second mortgages. The benefits of financing your home with Chattanooga Area Schools Federal Credit Union include low rates, no origination fee, and no minimum term.

If you’re looking to change lenders or benefit from dropping rates, we offer refinancing options with the same great benefits. Save on your payments or reduce the time required to pay off your loan with CASFCU.

Home Equity Line of Credit

You can access the equity you’ve built up in your home as an open line of credit for whatever you need to purchase! Anything from a home remodel to student loans or consolidating debt, get the funding you need with competitively low rates and a high maximum of $100,000 or 85% of the appraisal.​

​Auto, Truck, Van, SUV

CASFCU offers low-rate auto loans you won’t find at the dealership. Consider your local credit union for new, used, and refinanced vehicles! We offer financing of up to 130% of the list price for new models and 100% of the NADA retail value for used models. Start driving sooner with a quick and easy application process.​

Recreational Vehicles, Boats, Personal Watercraft, & Motorcycles

Ready to finally plan that adventure you’ve been dreaming of? Finance up to 100% of the retail value on new or used RVs, Boats, Jet Skis, and more with Chattanooga Area Schools Federal Credit Union. We’re offering flexible terms up to 84 months and impressive low rates to help get the fun started.​

Looking for a lower rate on your current loan? Refinance your boats, motorcycles, or RV for more affordable monthly payments with CASFCU.​

Personal or Signature Loan

Get affordable financing for whatever you need, such as covering unexpected expenses, consolidating debt, or paying for a family vacation. Our signature loans offer competitive fixed-rates and terms up to 3 years.​

View our current rates and complete an easy online application for any of the above loans today!

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Savings Accounts​

If you’re looking to increase your savings this year, CASFCU is here to help. Meet your goals for 2026 and beyond with our competitive savings rates.​

Share Accounts

Opening a share account with CASFCU establishes your membership in the credit union. As a member, you’ll earn dividends quarterly while maintaining 24/7 access to your funds. Open an account with as little as $25 to start accessing member benefits.​

Money Market Accounts

Ready to level up your earnings this year while maintaining flexibility? Earn a higher yield than your traditional savings account when you deposit higher balances starting at $2,500. Money market accounts offer an increased rate of return without sacrificing 24/7 access to your funds.​

Share Certificates

Earn a more competitive rate of return with a share certificate, also known as a CD or a Certificate of Deposit. Choose a set term of 6-30 months to set aside $2,000 or more. At the end of the term, you’ll receive your money back along with the dividends it has earned. You can open multiple accounts to stagger maturity dates, or just open one account depending on what you’re saving for.​

Individual Retirement Accounts

Did you know your local credit union offers three different IRA account options for educators in the Chattanooga area? Choose from a Traditional, Roth, or IRA Certificate depending on your retirement portfolio needs. You can learn more about what each of these accounts has to offer and how it might fit into your financial situation by reading this CASFCU blog or contacting us.

​It PAY$ to be a Chattanooga Area Schools Federal Credit Union member. In addition to the low rates and competitive savings, any available excess profits are returned to members, All members are eligible to win a cash bonus two times per year. Establish your membership today to be entered in the 2026 Beach Bucks and Christmas Cash drawings. Stop into our office to speak with a representative about your goals and open an account.