The Tobacco Valley Teachers Federal Credit Union is a not-for-profit, member owned financial co-operative. This means our credit union represents a pool of money saved by the members, under the control of the members, existing for the use of the members. Any profit made by the credit union is returned to its members through higher savings rates and lower loan rates. We are overseen by a dedicated group of educational volunteers, our Board of Directors, Credit Committee, and Supervisory Committee.