Overall experience is good except that the online virtual chat assistant doesn't work. It seems to…read morejust keep asking you who you want to connect with. When you answer, it just keeps asking you the same thing on a loop. So, you'll have to call or physically go in with any questions you have.

Overall I've had a pleasant experience with TVA. All the branches I've been to staff has been kind…read moreand courteous. Deposit accounts aside (which are fairly similar to other offerings in the area), y'all helped me build my credit by taking a chance with me. Following bankruptcy TVA in Alcoa granted me a secured credit card and share loan to improve my ability to borrow. I steadily went from secured lending to an unsecured card with plenty of purchasing power. In my times of great hardship TVA has been there for me. I have had two car accidents following my first car loan with them. Caroline Rule extended credit for another car prior to the insurance payoff on both occasions so that I could get on the road again. Just yesterday I was helped out again. My wife and I have been seriously stressing out because of her high interest car loan with a predatory lender. Compounding these woes were the high rate insurance was charging us. I am an independent insurance agent by trade, and even I could not get her a lower rate (It's hard to insure anyone at a fair cost in her situation and even though I work with over 20 carriers only 3 would take on her class of risk). So I went to TVA and spoke with Caroline Rule again. She was able to get our monthly payments down to almost half of what they were because of the much lower interest rate TVA charges. As a benefit of adding my name to the title, I was able to add her and the car to my car insurance policy saving us 75% on insurance alone. Needless to say, today I am elated, grateful and so relieved. Just one negative experience in my four years with them: There's a man, either an assistant manager or loan officer (not sure), who did my motorcycle loan application. During the application he connected to the call center to get the application approved Normally they would ask a manager to sign off on it and be done with it. While doing this his behavior and tone gave me a judgmental feeling. Also while asking for a credit line increase later he did the same thing.. and was very rude about it. He also pressured me into buying a loan product (income debt protection) which I understood to be $15 flat, but instead it was $15 monthly. This experience, however, will not sway me from TVA as in general they have been so good to me. Today as far as credit products I have two car loans, a motorcycle loan, a credit card, and a business credit card. I have both personal and business deposit accounts (regular shares and checking). Also I use a separate share under a POA to manage a family member's finances while they are unable to do so. There's even a jump start savings share for each of my two children. I am beyond satisfied and grateful for my relationship with TVA. I encourage each of you who are undecided to sign up for membership. You will not regret it.