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We are a full service not-for-profit financial institution owned and operated by people like you… our member. We offer a full array of financial products and services to help you manage your day-to day financial needs. As your credit union we’re more than just a place to get an auto loan, we can help you save for retirement, buy a new home or fix up your current one. We offer totally free checking* and access to numerous e-services. And because we belong to you we usually have better rates and lower service fees. In order to take advantage of our services, you must first become a member. In order to do so you must open a savings account that has a minimum opening balance of $25 along with a onetime membership fee of $5.

* The Credit Union provides no legal advice to members, and provides the foregoing information from a reliable resource to give our members a basis understanding of these services. You should consult with your tax or legal adviser regarding any particular and the current status of applicable federal and state laws.

Savings Accounts

Share Savings Account

  • $25 minimum required balance for membership (plus $5 membership fee to open)

Special Savings Account

  • $0.01 balance

Money Market Accounts

  • Minimum starting balance $1,000

Share Certificates

If you want to make more with your money than the dividend rates on a savings account, but you are not interested in the risks of investment, a share certificate may be the savings solution you’re searching for. All share certificates have a fixed “term,” which is the number of months or years it will take to reach maturity. The longer the term, the higher the dividend rate. During that term, you typically cannot take your money out — at least not without a paying significantly for the privilege — so when you put your money into a share certificate, you will want to be sure that the term is a duration of time you can live without the money.

  • Minimum starting balance $500

Individual Retirement Accounts

  • Traditional
  • Roth
  • Coverdell
  • Minimum starting balance $500
  • Read More about IRAs

Coosa Valley Kids (Kids 12 and under)

At Coosa Valley Credit Union, we want children in our communities to learn to be financially savvy. In an effort to help all our kids learn more money smarts, we offer Coosa Valley Kids! Coosa Valley Kids is a club for kids age 12 and under, and comes with these great benefits:

  • A Savings Tracker - a fun passbook to help kids track their money. For each deposit a child makes that is $10 or higher, he or she will receive a sticker on their tracker AND a surprise toy. After 10 deposits, Coosa Valley Kids members will receive a $5 bonus deposit as a reward, along with a new Savings Tracker.*
  • A Coosa Valley Kids t-shirt
  • A savings bank to help you and your child save along the way
  • Getting started tips for parents on how to begin teaching your child about money

*Child must make the deposits in person, no transfers from another account. Partially field Savings Trackers will not be replaced. 

Additional Available Services

Checking Accounts

Free Basic Checking

  • No monthly service
  • No minimum balance
  • No per check fee
  • Must have no Chex Record and a 575 Credit Score or Above

Checking Plus

  • Dividend earning
  • No monthly fee with average daily balance of $500
  • No per check fee
  • Must have no Chex Record and a 575 Credit Score or Above

Next Step Checking

  • For those who may not qualify for our other checking accounts.
  • $10 monthly service fee
  • Other restrictions apply

Business Accounts

  • Seasonal loans, lines of credit, business real estate, equipment financing...all are available from the leading professionals at Coosa Valley Credit Union. Please contact our Member Business Team for more information.
  • Secured and Unsecured Lines of Credit - These are typically designed for assisting with cash flow needs.
  • Business Real Estate Loans - We do both purchases and refinances.
  • Business Visa Credit Cards - Convenient Purchasing
  • Business Vehicles
  • Business Equipment Loans

Additional Services