Put simply, we're proud to serve our community by offering a complete line of lending, deposit, and other financial products, packaged with an emphasis on local decision-making and exceptional customer service. As a valued member of our financial family, your needs are our #1 priority.

From checking accounts to loans, savings and investment opportunities, we offer the latest in financial services, along with some of the most competitive rates and reasonable fees available.

Whether you're a young person just starting out, a newly married couple looking to the future, or an older adult with more complex financial needs, Volunteer Federal is here to help. Talk with any of our new account representatives or loan officers about your financial needs and we'll put our team to work for you.

Lending Services

Whether you are seeking credit for a new home, automobile, mobile home, business or personal need, Volunteer Federal offers a wide variety of mortgage, commercial, and consumer loans tailored to help you reach your goal. Our friendly and experienced professionals can help you select the right loan product at a rate you can afford. We will also answer any questions and discuss all the options available to you so that you can make an informed decision. And since all of our decisions are made locally, right here in Monroe County, you can be assured you are receiving all of the advantages of working with people you know and people you can trust.

Checking Account Services

Know the security that comes from banking at Volunteer Federal - your deposits are in a conservatively managed institution and are FDIC insured up to $250,000 - view FDIC Notice. At Volunteer Federal, we want to provide our customers with the best products available at a reasonable price. All of our deposit account holders can enroll in online banking and bill pay, at no extra cost. As an added benefit, our account holders can order their checks directly from Volunteer Federal (view our latest check styles). And for those of you who have just decided to bank with us, our switch kit can assist you in making a smoother transition to Volunteer Federal.

The following information provides a general outline of account options designed to ensure you have the right checking account to meet your particular money management needs. More detailed information on each of these options is available upon request - we have a host of new accounts professionals who will be happy to assist you.

Totally Free Checking Account

• $100 minimum opening balance
• No monthly service charge
• Unlimited check writing
• Monthly statements
• No interest earned

Volunteer NOW Checking Account

• $200 minimum opening balance
• $6 monthly service charge if minimum daily balance falls below $500
• Unlimited check writing
• Monthly statements
• Interest earned (call for current rate)

Volunteer Return Checking Account

• $200 minimum opening balance
• $7.50 monthly service charge if minimum daily balance falls below $1,000
• Unlimited check writing
• Image statements
• Interest earned (call for current rate)

Golden Volunteer Checking Account

• For our friends 55+ years of age
• $100 minimum opening balance
• No monthly service charge
• Unlimited check writing
• Free box of personalized checks at account opening
• Image statements
• No interest earned

CD Checking Account

• $7,500 minimum opening balance
• $10 monthly service charge if minimum daily balance falls below $7,500
• Unlimited check writing
• Image statements
• Interest earned (call for current rate)

Savings and Investment Services

As a thrift institution, Volunteer Federal is all about helping you save your money. From general savings and U.S. Savings Bonds to Christmas Clubs, IRAs, Certificates of Deposit and more... we feature a wide range of savings choices. Whatever your financial plans or lifestyle, we'll help you explore the options - simply and clearly - so that you can begin now to develop a program that's right for you. Because the sooner you begin, the sooner your hard earned dollars can go to work for you. Call us today for the most current rates on our savings account products.

Savings Statement Account

• $50 minimum opening balance
• $6 quarterly service charge if minimum daily balance falls below $50
• Quarterly statements (monthly if account activity occurs in any given month)
• ATM Card
• Interest earned (call for current rate)

TNUTMA Savings Account (for Minors)

• $25 minimum opening balance
• No service charge
• Monthly statements
• Interest earned (call for current rate)

Christmas Club Savings Account

• $5 minimum opening balance
• No service charge
• Checks issued on October 31st
• Interest earned (call for current rate)

Health Savings Account

• No minimum opening balance
• No service charge
• Accountholder must be enrolled in a high deductible health plan
• Interest earned (call for current rate)

Certificates of Deposit (Maturity Date Options)

• 91 Day
• 6 Month
• 1 Year
• 2 Year
• 3 Year
• 4 Year
• 5 Year
• 7 Year

Individual Retirement Accounts

Traditional IRA

• $500 minimum opening balance
• Interest earned (call for current rate)

Roth IRA

• $500 minimum opening balance
• Interest earned (call for current rate)

Visit volfed.mobi our mobile website optimized for iPhone, Android & Blackberry

Online Banking and Bill Pay

Online banking allows customers to conduct financial transactions on a secure website set up for Volunteer Federal. Enjoy the convenience of banking from your own computer, with enhanced security features designed to protect you and keep your experience hassle-free. It's fast, free, and easy, and your account information can be privately available to you, anytime. View balances and track account activity, transfer funds, and use bill pay to save time and postage. Enroll now...

Other Services

Volunteer Federal also offers other financial services as a convenience to its customers. If you need additional information on any of these services, please call any of our branches. Our customer service representatives will be more than happy to assist you.

• ACH Receiving
• ACH Origination (Direct Deposit Payroll Only)
• Safety Deposit (Lockbox) Service
• Check Printing
• Coin Machine
• Night Depository
• Wire Transfer
• Drive-Thru Service
• ATM/Debit Card
• Utility Bill Payment Acceptance