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    Rocky Top Finance

    5.0 (1 review)
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    2 years ago

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    Knoxville TVA Employees Credit Union

    Knoxville TVA Employees Credit Union

    (5 reviews)

    Overall experience is good except that the online virtual chat assistant doesn't work. It seems to…read morejust keep asking you who you want to connect with. When you answer, it just keeps asking you the same thing on a loop. So, you'll have to call or physically go in with any questions you have.

    Overall I've had a pleasant experience with TVA. All the branches I've been to staff has been kind…read moreand courteous. Deposit accounts aside (which are fairly similar to other offerings in the area), y'all helped me build my credit by taking a chance with me. Following bankruptcy TVA in Alcoa granted me a secured credit card and share loan to improve my ability to borrow. I steadily went from secured lending to an unsecured card with plenty of purchasing power. In my times of great hardship TVA has been there for me. I have had two car accidents following my first car loan with them. Caroline Rule extended credit for another car prior to the insurance payoff on both occasions so that I could get on the road again. Just yesterday I was helped out again. My wife and I have been seriously stressing out because of her high interest car loan with a predatory lender. Compounding these woes were the high rate insurance was charging us. I am an independent insurance agent by trade, and even I could not get her a lower rate (It's hard to insure anyone at a fair cost in her situation and even though I work with over 20 carriers only 3 would take on her class of risk). So I went to TVA and spoke with Caroline Rule again. She was able to get our monthly payments down to almost half of what they were because of the much lower interest rate TVA charges. As a benefit of adding my name to the title, I was able to add her and the car to my car insurance policy saving us 75% on insurance alone. Needless to say, today I am elated, grateful and so relieved. Just one negative experience in my four years with them: There's a man, either an assistant manager or loan officer (not sure), who did my motorcycle loan application. During the application he connected to the call center to get the application approved Normally they would ask a manager to sign off on it and be done with it. While doing this his behavior and tone gave me a judgmental feeling. Also while asking for a credit line increase later he did the same thing.. and was very rude about it. He also pressured me into buying a loan product (income debt protection) which I understood to be $15 flat, but instead it was $15 monthly. This experience, however, will not sway me from TVA as in general they have been so good to me. Today as far as credit products I have two car loans, a motorcycle loan, a credit card, and a business credit card. I have both personal and business deposit accounts (regular shares and checking). Also I use a separate share under a POA to manage a family member's finances while they are unable to do so. There's even a jump start savings share for each of my two children. I am beyond satisfied and grateful for my relationship with TVA. I encourage each of you who are undecided to sign up for membership. You will not regret it.

    Keith Edmonds - AnnieMac Home Mortgage

    Keith Edmonds - AnnieMac Home Mortgage

    (4 reviews)

    We were so lucky to find Keith to help us with a mortgage. We recently moved from Virginia. I work…read moreon commissions and my husband is self-employed. Most of the lenders we spoke didn't want to take their time to dig into what we can and what we cannot afford. We had to wait a few days even before they return our calls. God sends us the right people in the right time. Keith answered the phone right away, listened what we are looking for, told us that he will find out and called us back within 15 minutes after consulting with underwriters. He was guiding us all the way through the process by providing us the best available programs for first time home buyers and answering all our questions. He was always available via text or the phone. We completely trusted his professional recommendations and suggestions. We felt from the first moment that Keith is sincere to help his clients and represent them all the way. We really appreciate his business and will highly recommend Keith to anyone who is looking to buy or to refinance a house. We will always use his service in the future.

    We recently applied for a home mortgage with the help of Keith Edmonds. Throughout the home buying…read moreprocess, Keith consistently provided knowledgeable advice and planning. With the current state of the housing market, we were very happy to have a mortgage advisor who not only was extremely responsive, but could also help to thoroughly plan through various financial scenarios that arose. After our first conversation with Keith, it was clear he truly cared about his clients and wanted to put them in the best overall position possible. I would highly recommend Keith to anyone who needs a mortgage advisor!

    Rocky Top Finance - financialservices - Updated May 2026

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