Consumer Loans   Mortgage Loans 

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Consumer Loans

We are here to serve your loan request. From auto to personal loans, we tailor our loans around you.

• Low rates
• Flexible terms
• No loan fees
• No prepayment penalties
• Fast approval
• Payroll Deduction

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Mortgage Loans

Johnsonville TVA ECU offers a variety of mortgage loan options to meet your needs. We offer first and second mortgages, home-equity lines of credit, balloons, land and mobile home loans at competitive rates and terms.


First Mortgage Loans
In the market to purchase a home or refinance an existing mortgage, we have the finance options for you. These loans consist of In-House and Secondary Market rates and terms. Interest rates can change daily and fees will vary.

Secondary Market

• Multiple mortgage loan options
• Fixed Rates with terms up to 30 years
• Loan-to value up to 95% on purchases
• Please call for current rates

In-house

• Fixed and variable rates
• Generally lower closing cost
• Generally faster closing time with less paperwork
• 15 year term and balloon products

Balloon Mortgages (In-House)
Do you need a shorter term at a lower rate? Our in-house balloon products meet those needs. This product generally has lower rates.

• 5 and 10 year terms available
• Up to 20 year amortization payment schedules

Home Equity Fixed Rate Loans
This is a second mortgage product using your primary residence as collateral. Do you need a short term, low fixed rate for a Home Improvement project-this is the loan for you.

• Financing up to 80 % LTV
• 60 Month, 84 Month, 120 Month, or 180 Month term available

Home Equity Loans
This is a second mortgage product that is a line of credit using your primary residence as collateral. Put your equity to work for you – Home Improvements, Bill Consolidation, Education, or Vacation – it’s your choice. This is a variable rate product with financing up to 80% of LTV. Rates are base on Prime.

• Rate is based on Prime
• Low closing cost
• Interest rate caps
• No Annual Fees
• No per draw fees
• Fast Approval
• Interest may be tax deductible

Land Loans
Yes, we make land only loans. Looking for land to build for the future – let us help.

• Terms up to 10 years
• Loan-to-value up to 70%
• Property located in Tennessee

What do I need to bring to get started?

• Copy of warranty deed
• Verification of Income
• Homeowners Insurance Policy
• Current statement of First Mortgage

Call our mortgage loan specialist at 800-338-4609 to see what product serves you best.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

We do business in accordance with the Federal Fair
Housing Law and the Equal
Credit Opportunity Act.