Tennessee Valley Federal Credit Union, located in Chattanooga, Tenn., offers a range of financial services to the area community. The credit union offers loans for a number of areas, such as primary homes, vacation homes and investment properties. It provides fixed- and adjustable-rate mortgages with terms of up to 30 years. Additionally, it offers low-down payments for first-time homebuyers. The credit union also offers vehicle loans and credit cards. It offers checking accounts, debit and ATM cards, share accounts, share certificates, money market accounts, Christmas club accounts and individual retirement accounts. It also offers overdraft protection and a loan payment protection program.