CFECU Presents Gift for $10,000

Chattanooga Federal Delivers a Triple Christmas Surprise for ATCM

The Credit Union’s generous gift unlocks an additional $25,000 for the ministry

December 1, 2021, Chattanooga, TN – When Sarah Gray, with Chattanooga Federal Employees Credit Union, called Adult & Teen Challenge MidSouth (ATCM) to tell them of a $10,000 gift, she had no idea just what the gift would mean to the ministry and the men and women throughout the region in need of addiction recovery. The gift was the missing amount for a matching grant opportunity from the Weldon F. Osborne Foundation for an additional $25,000.

“When our card processing partner notified us that we won a $10,000 gift to pass on to a nonprofit, we began the process of considering local nonprofits,” says Mark Fraker, Chief Executive Officer, Chattanooga Federal. He adds, “Even after much discussion with our management team, I kept coming back to ATCM – and now I know why.”

Dr. David McNabb, president of ATCM, explains that what Mark and Sarah didn’t know was that the faith-based recovery ministry received a matching grant for gifts from new supporters up to $25,000, but had only received $15,000 in qualifying gifts. “Their gift, because they were a new supporter, not only received a $10,000 match, it allowed us to apply for the full $25,000,” says McNabb.

McNabb goes on to explain that the gift from Chattanooga Federal plus the match equates to 200 days, or nearly 7 months, in ATCM’s recovery program for a man or women held captive in addiction. “Our cost is $100 per day, much less than most residential recovery programs, but the impact is huge for men and women who come with literally nothing and no way to pay for the recovery they so desperately need,” he adds.

According to their records, the ministry serves the most impoverished from a 14-county area including and surrounding Chattanooga. 43% come from homelessness and another 37% come from the judicial system with nonviolent, drug-related crimes. All are in crisis.

“This gifts means 200 nights in a warm bed, 600 delicious meals, 200 days with a counselor who shows love and respect to our residents, and 200 days in God’s life-changing Word. The impact is life transformation,” says McNabb.

“You can imagine our surprise when we learned of the impact of this gift,” says Fraker, adding that he knows now why he felt so strongly that the gift should go to ATCM. “It was a Christmas miracle, in the truest sense,” he adds.

Chattanooga Federal Employees Credit Union is a not-for-profit, member-owned financial institution serving Federal employees, retirees and their family members in the Chattanooga area. CFECU was chartered January 13, 1925 and is the oldest established credit union in the region. For more information, call (423) 892-3738, or visit

Adult & Teen Challenge MidSouth (ATCM) is a residential, faith-based nonprofit headquartered in Chattanooga, TN, serving adults 18-50 struggling with addiction. Since its beginning by founder David Wilkerson on the streets of New York in 1958, the mission is to provide freedom from addiction and other life-controlling issues through Christ-centered solutions. The result is radical life-transformation. A 2019 study showed 78% of program graduates were maintaining freedom from addiction. For more information on Adult & Teen Challenge MidSouth, visit or call 423.756.5558.