At Scenic Community Credit Union, the health and wellbeing of our members and staff is our top priority as we monitor the situation surrounding the novel coronavirus, or COVID-19. At every SCCU branch, we are adhering to best practices with regards to cleanliness. Members will be notified should anything change.

Economic Impact Payments - March 2021

March 19, 2021
If you have not received your 2021 stimulus money yet, a second round of direct deposits is scheduled for next Wednesday, March 24, 2021. We expect those direct deposits to be in your accounts by the morning of March 24, but please know that there are many factors beyond our control that may impact the timing. If you would like to be alerted whenever your deposit goes through, please follow the instructions for setting up an alert below, or you can view your deposit status at

Also, please be aware that the volume of deposits going in may affect Online Banking and app functionality. If you are unable to login early next week, please wait a few hours and then try again. We will be monitoring for any slowdowns to Online Banking and the app, and will be working to prevent and fix any issues that arise as soon as possible.

Finally, please note that this message pertains to those who will receive their stimulus money via direct deposit. For those who are receiving a check, you can view the status of your stimulus money at

  1. On your Online Banking or app dashboard, click on the account into which your money will be deposited.
  2. Click Alert Preferences.
  3. Under the Transaction alerts tab, click Add alert.
  4. Fill out the form fields and choose how you want to be notified. When a transaction goes through matching the criteria you specify, we'll let you know automatically.

Small Business Owners
The PPP Forgiveness process begins Monday, August 10, 2020. Business owners have 10 months from the time they receive their funds to apply for forgiveness.
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Click below to visit the IRS website and see if you are getting a stimulus check, confirm your payment information, and more.

Masks Recommended in All Branches

Updated May 6, 2021

SCCU lobbies have reopened to serve you. As recommended by the Hamilton County Health Department, masks are encouraged in all SCCU branches. Disposable masks will be available. Since reopening, we have also been following the Tennessee Pledge guidelines for businesses in order to keep our members and staff as safe as possible.

A Heartfelt Thank You to Our Members

Members, there have been a lot of changes in the past few months due to the pandemic. In order to stay safe, you have been relying on drive thru lanes, appointments, and technology to manage your money. We know that has been frustrating and challenging for many of you, and we want to say thank you for the patience you have shown in adjusting to this temporary way of doing business.

What You'll See in Our Branches

As stated above, we are taking steps to make sure you will be safe should you need to come into a branch, although we still strongly recommend using drive thru lanes and remote options when possible. We have implemented the Tennessee Pledge guidelines in all lobbies and have hand sanitizer and masks available. Note that masks are still encouraged in all branches as recommended by the Hamilton County Health Department. You will also notice plastic “sneeze guards” set up in our offices and teller lines to protect both you and our staff.

Again, thank you for your patience and grace in the midst of change. We are proud to be part of this resilient community.

SCCU Remote Options

Online Banking
Sign in here.  If you aren't signed up, enroll here or give us a call at (423) 875-6955.
Mobile App
Download for Apple or Android. Keep in mind you can deposit checks via the mobile app.
Loan Pay Express (LPX)
Pay your loan. Members can use LPX to pay your SCCU loan from any institution.
Touch Tone Teller
(423) 875-4031. Call for automated account information and to transfer money between SCCU accounts.
CO-OP Shared Branches and ATMs
Find an ATM or Shared Branch. SCCU members can do transactions on their SCCU accounts at any CO-OP Shared Branch or ATM.
Night Drop and Drive Thru
Find your closest branch. All of our branches have overnight deposit drops. Hixson, Soddy, and Ooltewah have drive thru windows.
Call (423) 875-6955 ext. 3. Current members may also sign into Online Banking to apply for a loan. Nonmembers may fill out the online membership application.
Call (423) 875-6955 ext. 3 or download the Skip-a-Loan-Payment form.
Card Services
Call (423) 875-6955 ext. 3. 
Call (423) 875-6955.
Membership Application
Apply online, visit a drive thru, or call (423) 875-6955 ext. 4.
If you need help or have questions, call us at (423) 875-6955.

Emergency Loans and Skip-Payment Options

We understand that many of our members may need additional assistance during this time due to lost or reduced income.

Emergency Options

If you need to discuss your SCCU loan or ask about our emergency loan options, call our Pandemic Response Team at (423) 875-6955 and choose Option 3, or fill out our contact form.

SCCU members also have access to free financial counseling via our partners at GreenPath. Give them a call at 877-337-3399, or learn more about their services.

Apply to Skip a Payment

  1. Download and fill out the form below. Be sure and read the Skip Pay agreement and terms carefully before you submit the form. 
  2. Submit your form via one of the methods listed.  
Please Note: Submitting a Skip Pay form does not guarantee approval to skip a payment. You will be notified and your fees returned in the event you are not approved for Skip Pay. If loan is joint BOTH owners must sign the Skip Pay Application.

Submission Options
Scenic Community Credit Union
ATTN: Lending
PO Box 1058
Hixson, TN 37343

Keep in Mind...
Skipping a loan payment really means you defer to make that payment until the end of the loan -- this means extending the life of your loan. And while a skipped payment frees up cash, don't forget that interest will continue to accrue on your loan balance. If you are unsure about skipping a payment, download and read the form above, or ask a loan officer for more details.

*Restrictions apply. Not all loans are eligible for Skip Pay. Submitting a Skip Pay form does not guarantee approval. Download above Skip Pay form or ask a loan officer for more details.

Resources for Small Business Owners

The PPP Forgiveness process begins Monday, August 10. Business owners have 10 months from the time they received their funds to apply for forgiveness, and SCCU recommends waiting to apply. Even though the forgiveness applications can begin be submitted Monday, new guidance is coming all the time. Congress is contemplating several measures that could benefit business owners, including automatic forgiveness and no paperwork for loans under $150,000.

Other Resources 

The City of Chattanooga
Chattanooga has set up a resource site for small business owners on matters related to COVID-19.

Be Aware of Scams

As the COVID-19 situation in the US continues to develop, be aware that scammers are taking advantage of the virus by sending emails, texts, and links that appear to be from the Centers for Disease Control and Prevention (CDC) or the World Health Organization (WHO).

What to Watch For
  • Emails appearing to be from the CDC or WHO that contain attachments or links. Do NOT open attachments or click links from unknown sources.
  • Texts or phone calls appearing to be from the CDC or WHO. Those organizations will not send you links or ask you for your personal or financial information.
  • Donation links. Links for monetary donations will not be emailed to you from the CDC or WHO. Do not click links from unknown sources.

Steps to Protect Yourself
  • Verify email addresses. If it looks suspicious, delete.
  • Check the link before you click. Be especially suspicious of any emails or texts you receive that include links to donation sites as this is a common method of collecting your account and personal information.
  • Be careful when providing personal information. The WHO or CDC will not ask you for your personal info.
  • Don’t rush. Scammers may try to make you feel rushed, but take your time.
  • If you gave out sensitive information, don’t panic. Immediately change any credentials you may have given out. If you give out debit or credit card information to someone suspicious, give us a call at (423) 875-6955.
  • If you see a scam, report it. Report a scam to the WHO or the BBB.

Your Funds are Federally Insured by NCUA

Don't worry - the funds you keep at Scenic Community Credit Union are safe and secure. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Watch the video below to learn more about the NCUA:

COVID-19 Info

See below for reputable COVID-19 resources.
Best Practices to Prevent the Spread of Germs 
  • Wash your hands often with soap and water for at least 20 seconds. If soap and water are not available, use an alcohol-based hand sanitizer. 
  • Avoid touching your eyes, nose and mouth with unwashed hands. 
  • Avoid close contact with people who are sick. 
  • Stay home when you are sick if possible. 
  • Cough or sneeze into your elbow or use a tissue to cover it, then throw the tissue in the trash. 
  • Clean and disinfect frequently touched objects and surfaces.
COVID-19 Articles