7755 Metropolis Lake Road
West Paducah, KY 42086


Share Accounts—We have a variety of shares accounts. Share/Savings, Christmas Club, and Share Certificates.

The Regular Share/Savings Account requires a minimum deposit of $5.25 to open the account. The $5.00 balance needs to be maintained within this account throughout the duration of your membership. The $0.25 is a joining fee that goes to the Credit Union. Dividends on share accounts are paid on the average daily balance method on a quarterly basis on balances over $100.00. (See rates for a list of current dividend rates paid the previous quarter.) Share Accounts with a balance below $100.00 must have activity at least once a year or a $5.00 inactive fee will be charged on a semi-annual basis. (Accounts for minor children not included).

The Christmas Club Account is to be used to help you prepare for the holiday season. Dividends are paid by the average daily balance method on accounts over $100.00. Dividends will be posted and Christmas Club Checks mailed on October 1st or the first business day thereafter.

Share Certificate Accounts require a $500.00 minimum balance. We offer 6, 12 and 24 Month terms on Share Certificate accounts. Dividends are paid by the daily balance method on the principal amount on a monthly basis. Dividends are deposited into the members share account and can be added to the certificate at renewal. There is no grace period on Share Certificate accounts. The amount of penalty for early withdrawal for an account is 90 days dividends, or all accrued dividends since date of issuance if less than 90 days. The Credit Union has the discretion to waive the penalty under special circumstances stated in the Rate and Fee Schedule.

Direct Deposit – All members are eligible to set up direct deposit to their savings account via ACH payment. TVA employees are eligible to automatically deposit your payroll (or any portion of your payroll) directly to your account with the Credit Union. The funds can be deposited into your Shares account or distributed between your various sub-accounts. You can even have your loan payments automatically deducted from your Shares account.

Notary Public – As a member of the Credit Union, you can have official documents notarized by our on-staff Notary Public officers at no charge.

Cancer Insurance – Cancer Insurance Policies are available through Life Investors, Central States of Omaha and Colonial Supplemental Insurance. As a member of the Credit Union you are eligible to enroll in the CSO and Colonial Cancer Insurance programs and have premiums deducted directly from your Shares account on a monthly basis. Contact the Credit Union staff for information about your existing policies or for enrollment information.


Discount Theme Park Ticket Sales – The Credit Union carries discount tickets to various theme and water parks April-September.

Loan Skip-A-Payment Program – The credit union offers members with loans a skip-a-payment program that allows them to skip their regular monthly loan payment 1 time every 12 months for a $10.00 per loan fee. To qualify for skip-a-payment, the member’s loans must be current, have made at least three regular monthly payments on a new loan, can not have skipped that loan within the last 12 months, and can only skip each loan a maximum of three times during the life of the loan. Interest will continue to acrue at the current rate and the loan term will be extended for each skipped payment.

Loan Protection Insurance – Credit Life and Credit Disability Insurance policies are available on all loans through CUNA Mutual Group. Premiums for Credit Life and Disability policies are added to the loan at origination.

All Shares accounts are insured up to $250,000.00 by the NCUSIF (National Credit Union Share Insurance Fund), an agency of the United States government.

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