CCU News

Accessing Your Account

We care about our members and employees and want you to know that your health and security are our first priority. As social distancing becomes a requirement, we want to ensure that you are informed of alternative ways to access your account no matter where you are:

Keyboard Icon Audio Response: You can request a check withdrawal, transfer funds, get balances, a list of your last transactions, and tax and IRA information by calling our Audio Response Number at 1-800-427-6269.

CCU Mobile Banking: You can access your account and bill pay options using our CCU Mobile Banking App – “Collegedale CU Mobile Banking”

Virtual Branch: You can access your account and bill pay options as well as make ACH requests, wire transfer requests, Line of Credit transfers, and more with online banking via "Virtual Branch"
Contact a Member Services Representative if you are not already signed up.

ATM: Need to make a deposit or withdrawal cash? You can get a list of nearly 30,000 surcharge-free ATM locations and over 5,400 shared branch locations nationwide by clicking here:

Local: If you still need to stop by, our Drive-Thru opens early at 8:00 a.m. each weekday and our night drop is available 24/7 for safe and secure deposits.

If you have an urgent need requiring service in person, please click here or call 423-396-2101 to schedule an appointment.

As we continue to monitor the situation, the need for changes may arise. We will take the appropriate actions to protect our members and staff and follow the guidelines set forth by the appropriate governing bodies.

As always, please feel free to call us with any questions you may have!

We hope everyone stays safe and healthy and thank you for placing your trust in us!

Phishing Advisory

Early indications are showing that fraudsters may be increasing phishing attacks in an effort to exploit the current COVID-19 pandemic.

Additionally, criminals in possession of card details and other forms of personally identifiable information are spoofing the phone number from financial institutions to fool cardholders into thinking that text messages and phone calls are actually from the fraud department of their financial institution.

Collegedale Credit Union would like to offer you the education you need to protect yourself with the following facts regarding CCU’s fraud department:
  • CCU nor our fraud department will ever ask for your PIN, CV2 codes or Expiration Dates.
  • A text alert warning of suspicious activity on a card will NEVER include:
    • A link to be clicked.
    • Requests for cardholder data such as card numbers, PINs, CV2 Codes, Expiration Date
  • A text alert from us will always
    • Be from a 5-digit number, either 20733 or 37268
    • Include detailed information about the transaction
    • Ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’.
  • A phone call from one of our Call Center agents will only include a request for the cardholder Zip code and a ‘yes’ or ‘no’ to the transactions they will provide
  • No other personal information will be requested, unless the cardholder confirms that a transaction is fraudulent.
  • If at any point, you are uncertain about questions being asked or a call you have received, please hang up and call CCU directly at 423-396-2101

Upcoming Conerts 2020. July 23 The James Ward Quintet, August 27 Mel Martin

Collegedale Credit Union Concert Series

Thank you to those who came out and enjoyed Gino Fanelli and The Jalopy Brothers on August 27th! We look forward to everyone coming out for "RA and The Flames" coming to The Commons on Thursday, September 24th at 7:00 p.m.

"I am Ran Adams . The band name is RA and the Flames. I was introduced to music (singing and playing instruments is traditional in my family) at a very early age . However my musical career began at age 9 where I began teaching myself to play guitar.

I began my craft at an early age playing in gospel groups, churches, and other religious venues. At age 7 My aunt tried to organize me and my brothers al Ken and Scott into a gospel musical singing group. We called ourselves the Adams Boys. But we were so small she rarely got a sound out of us.

By age 9 I had picked up a guitar and found that was the thing for me.

I began to develop fingers and was called "Happy Fingers" by the members of a gospel singing group called "The Golden Trumpets" led and booked by Albert Little. My grandfather was an original member. And I was a constant member for 13 years and sometimes thereafter. We traveled the southeastern states singing God's praise at large and small churches. I would play guitar and listen to the radio all day every day to learn more about my instrument all through my youth. I could get most of the major guitarists and their hit songs just by listening to local stations .

I knew I had to get out of the garage and into the light. I was asked to perform for a local band with a cousin and a high school friend,Tony Lumpkin and Kent Silvey (we called ourselves "Simillion") and later with Clyde Parker, Paul Mckibbens and the Genuine Sound band which led to a change in my musical career as I was then asked to play birthday parties, commercial venues, clubs, and clubs and festivals with other bands.

It led to me learning a variety of styles such as soul, R&B,Jazz, country, Blues, rock, African, and indie music, which opened up whole new musical fields for me. And I began playing more corporate events, weddings, festivals and club parties.

I have opened for musicians such as the famous Brothers Johnson, Clarence Carter, Kenny Neil Denise LaSalle's RL Burnside, Son Dl, and local bands such as Love peace and Happiness, The Skin Deep, Wilson Meadows, the Malemen, Convertibul, Standing room Only, and many other great bands.

As of 2016, I have a standing show every Wednesday night at The Office located inside of the City Café. It's a small, intimate setting where there's all play and no work. Every Wednesday night a lot of people come down to enjoy original blues songs and traditional blues songs. Our mission is to bring blues back to Chattanooga so 90% of the music we play is traditional blues by BB King, Albert King, Freddie King, Luther Allison, Johnny Copeland, Willie Dixon, Raylan, Jimi Hendrix, Stevie Ray Vaughn, Eric Clapton, and many others.

Currently I am working on original music for my upcoming CD release with a couple major blues contributions, "Ain't Gonna Move", “All Eyes on You", “Tough Enough", "Love Seasons", and many more."

Ran Adams

Find out more about RA and The Flames at:


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Get started here: Intuit TurboTax Logo link

Just a reminder; all tax forms for filing are mailed out by January 31 each year.

Same Day ACH is Here!

Did you know that your payments are now moving faster?

Thanks to Same Day ACH, payments that once took up to three days will now be complete in just hours.

What Has Changed?

What this means for you is no more tied up funds, or watching your account wondering when a transaction will post. With the new system, “pending” ACH transaction time could be shortened to just a few hours—so you can always be clear on what you have available to spend.

It is important to note that this also means the cushion of time between an ACH originating and processing will be gone, and you’ll want to carefully monitor your balances to ensure sufficient funds to cover transactions at all times.

What are ACH Transactions?

ACH stands for Automated Clearing House—it’s another way to move money paperlessly, and operates independently of credit and debit cards. Essentially, anytime you move money by providing your account number, and financial institution’s routing and transit number, you are probably making an ACH transaction.

Some examples are:
  • A payment that you make at a biller’s website that is deducted automatically from your checking account.
  • A transfer that you initiate between your accounts at different financial institutions.
  • Any transactions that require a voided check to initiate payment.

What Do I Need to Do?

The national ACH network will be updating to Same Day ACH on September 15.

While the speed of Same Day ACH transactions will help you maintain a clearer picture of your finances, the change may take some getting used to. Collegedale Credit Union recommends getting in the habit of checking your balances daily.

For more information on the change to Same Day ACH, contact Collegedale Credit Union.

You Should Know...

Savings in every federally insured Credit Union are backed by the National Credit Union Share Insurance Fund (NCUSIF), a fund maintained by the U.S. Treasury. The NCUSIF is administered by the National Credit Union Administration, an agency of the federal government, which insures your savings up to at least $250,000. Federal insurance protects your money at your Credit Union in share savings, share draft/checking, money market, share certificate, trust fund and retirement accounts.

Funds in a federally insured Credit Union can be insured to a level much higher than $250,000 depending on how you establish your accounts. For instance, jointly owned accounts and accounts with named beneficiaries are separately insured up to $250,000. For more information, ask a Member Service Representative.
—CUNA Inc. Copyright 2008

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