Make-A-Payment1

Ways to Make Your Payment

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How To Pay

Your loan or credit card payment should be simple. That’s why we offer several ways to make a payment. Whether it’s online, in-branch, or by mail, choose what works best for you!

Check out our easy ways to make a payment below!

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Your Payment Options

You have several ways to make payments through Digital Banking. Log in to pay directly from your account with us or another institution.

Dollar Bills

Pay From Your KTVAECU Account

  1. Log in to Digital Banking
  2. Go to Move Money and select Make a Transfer
  3. Choose Pay My Loan from my KTVAECU Account
  4. Pick the account you want to pay your loan
  5. Enter the amount and Submit
Money Bag

Pay From Another Financial Institution

  1. Log in to Digital Banking
  2. Tap Move Money and select Account-to-Account2
  3. Enter the transfer amount and choose your From and To accounts
  4. Select Add External Account and follow the prompts to link your institution
  5. Choose the transfer date and frequency, then review and tap Transfer
Check

Pay Through the Payment Portal*

  1. Log in to Digital Banking
  2. Select Move Money
  3. Choose Make a Payment or access the payment portal
  4. Enter your SSN or Tax ID and select your loan
  5. Enter payment information and select Pay

*A $5.00 convenience fee will be applied to payments from another institution.

More Ways to Pay

Mobile Phone

Use Mobile Deposit

Deposit a check to pay with Digital Banking.

  1. Log in to Digital Banking
  2. Choose Deposit
  3. Select your loan
  4. Upload photos of the front and back of your check
  5. Enter the amount and Submit
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Pay by Phone

Call (865) 544-5400 to make a payment over the phone.

*$15.00 convenience fee applied to all payments made by phone.
*$5.00 fee is applied if using the automated system.

Document

Funds Transfer Request/ACH Origination Form

Use this form to set up an ACH recurring transfers or a one-time transfer between your KTVAECU account and an account at another financial institution.

Check

Mail-A-Payment

Send a check by mail with your account number or a payment coupon. Mail to:

Knoxville TVA Employees Credit Union
Attn: Loan Payoff
PO Box 36027
Knoxville, TN 37930

Branch

Pay In Branch

Visit a branch to make your payment in person. We’re ready to help.

Skip-A-Payment3

Skip-A-Payment gives eligible Members the option to skip a monthly payment. If you meet these requirements, you’re eligible for Skip-A-Payment:

  • Accounts must be in good standing with no missed payments
  • At least three payments have been made on the loan
  • $35.00 fee applies per skipped payment
Learn More

Protection for the Unexpected

When the unexpected happens, you need room in your budget to cover expenses and prepare for the future. Payment Protection4 with TruStage™ gives you and your family an added layer of security in the case of financially-stressful events.

  • What happens:

    What happens:

  • It cancels this:

    It cancels this:

  • You may be eligible if:

    You may be eligible if:

Death

  • What happens:

    Protected borrower passes away

  • It cancels this:

    Your payments or loan balance

  • You may be eligible if:

    You have an eligible loan

Disability

  • What happens:

    A covered disability occurs due to injury or illness

  • It cancels this:

    Your loan payments

  • You may be eligible if:

    You are a permanent, current employee

Disability

  • What happens:

    A covered job loss occurs

  • It cancels this:

    Your loan payments

  • You may be eligible if:

    You are a permanent, current employee

Add Payment Protection anytime while your loan is active. For more information or to add Payment Protection, call us at (865) 544-5400

If you added payment protection onto your loan and need to file a claim, call 1 (844) 707-4964 to begin the claims process.
A TruStage™ Claims Specialist will guide you through the process to quickly and easily file your claim.

 

Payment FAQs

Not finding an answer to your question? Contact Us

You have several options to make your payments. Payments are free of charge if you transfer funds from an account you have with us, mail a check, pay in person at a branch, or deposit a check through the mobile directly to your loan. Payments made from a different financial institution incur a $15.00 convenience fee if paid over the phone, or $5.00 if paid online through our payment portal.

Learn more about how to make your payment on our Make-A-Payment page!

Make a payment from your KTVAECU account or deposit a check through digital banking for free.

To find your loan account number in digital banking, select the account, scroll down past transaction activity, and select the eye icon to view the number listed next to Account Number. Loans have an additional identifying Loan ID in this section as well.

Provide your account number paired with the Loan ID (Example: 12345678-0001) and routing number for ACH loan payments. Be sure to specify ‘loan’ as the account type.

Processing time varies by payment method. Online payments will typically be processed immediately. Please allow one to two business days for check deposits to clear.

Please send Real Estate Loan payments, error resolutions, and information requests to:

KTVAECU Real Estate Lending Payments
P.O. Box 36027
Knoxville, TN 37930

Use the Payment Portal

Please send to:

Knoxville TVA Employees Credit Union
Loan Payoff
PO Box 36027
Knoxville, TN 37930

Include account number in the memo.

Print payment coupon

Log in to KTVAECU Digital Banking, choose Move Money, then Skip Payment. Your eligible loans appear automatically. Real estate loans, business loans, line-of-credit loans, and credit cards are not eligible for Skip-A-Payment.

Personal and auto loans have a 10-day grace period before a late fee is assessed. Credit cards do not have a grace period.

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Disclosures

  1. Fee for loan payments made online through Make-A-Payment is $5.00 per payment. Effective October 6, 2026, $5.00 per payment fee is waived when payments are made using Make-A-Payment online/mobile link for KTVAECU Visa® Platinum and KTVAECU Business Visa Credit Cards. Some restrictions may apply. Ask for details.

  2. Some restrictions may apply. Ask for details. Knoxville TVA Employees Credit Union utilizes trusted third-party service providers to confirm information and transfer funds via the Account-2-Account service. Visit tvacreditunion.com/privacy-policy for details on how we use and protect your information.

  3. Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.

  4. Debt Protection available through third-party partner TruStage™. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply. TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER’S CHOICE credit life and credit disability insurance underwritten by CMFG Life Insurance Company.