U. T. Credit Union Knoxville TN | Best Auto Loans & Business Banking

Introduction

Welcome to U. T. Federal Credit Union - White Avenue, your trusted financial partner located at 2100 White Ave, Knoxville, TN 37916. Since our establishment in 1969, we have been dedicated to serving the financial needs of our community, currently boasting a membership of over 26,000 individuals. Our commitment to providing personalized services and fostering strong relationships is at the heart of everything we do. As a member-owned institution, we take pride in our robust financial health, with total assets amounting to an impressive $521,900,357. Our members enjoy a secure environment for their savings, as evidenced by our total deposits of $23,160,769 and a solid net worth of $49,054,764. With a focus on empowering our members through various loan products over 13,029 loans and leases in total we are here to help you achieve your financial goals. Under the leadership of CEO Debbie Jones and Board President Mike McNeil, our team of 93 employees is committed to delivering exceptional service. We understand that banking is about more than just transactions; it's about community impact and trust. That's why we offer a wide range of services including personal banking accounts, auto loans, mortgages, business banking solutions, and convenient online banking options. While members can visit us at our branch location for assistance or inquiries, please send any official correspondence to our mailing address: P.O. Box 51848, Knoxville, TN 37950. We invite you to experience the difference that comes with being part of the U. T. family. Whether you're looking for financial guidance or need assistance with your accounts, don't hesitate to reach out! Call us today at 865-971-1971 or explore our offerings on our website utfcu.org. Let us help you navigate your financial journey with confidence!

Branch History & Mission

Welcome to the heart of Knoxville, where U. T. has been serving our community since 1969. Our branch, located at 2100 White Ave, Knoxville, TN 37916, stands as a testament to our commitment to providing exceptional financial services and building lasting relationships with our members. Over the years, we have grown significantly, now proudly supporting over 26,000 members and managing total assets exceeding $521 million. From our humble beginnings, U. T. has evolved into a trusted financial partner for many in the region. Our mission is simple yet profound: to empower our members by offering accessible financial solutions while fostering community support and growth. We strive to meet the diverse needs of our members through a wide range of services including personal banking, auto loans, mortgages, business banking, and more. At U. T., we believe that banking should be convenient and efficient. That's why we offer both traditional and modern banking solutions. Members can enjoy easy access to their accounts through online and mobile banking options. Plus, with our ATM availability and drive-thru services, managing your finances has never been easier. While you can visit us at our main branch for all your banking needs, any official correspondence should be sent to our mailing address: P.O. Box 51848, Knoxville, TN 37950. Our commitment goes beyond just numbers; it's about people our members and the communities we serve. We actively participate in local outreach efforts and foster partnerships that uplift those around us. Together with our dedicated team led by CEO Debbie Jones and Board President Mike McNeil, we focus on creating a welcoming environment where everyone feels valued. As we look ahead to the future, we invite you to join us on this journey. Experience the benefits of being part of a credit union that genuinely cares about your financial well-being and community involvement. Reach out today at 865-971-1971 or visit us online at utfcu.org to learn more about how U. T. can support you in achieving your financial goals!

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is fully ADA compliant and offers easy access with ramps and designated parking spaces. When you visit, you can rest assured that your comfort and convenience are top priorities.

Convenient Location

Our branch is nestled in the heart of Knoxville, close to local landmarks that make us easy to find. Just a short drive from the University of Tennessee campus, we're also near several popular shops and restaurants, making it simple to combine your banking with errands or a meal out.

Get In Touch!

Ready to experience exceptional service? Visit us at U. T., call us at (865) 971-1971, or check out our website at utfcu.org. We look forward to helping you achieve your financial goals!

Operating Hours

At U. T., we want to make banking as accessible as possible. Our drive-thru service operates Monday through Thursday from 8:30 AM to 5:00 PM and extends until 5:30 PM on Fridays. If you prefer to come inside, our lobby hours are from 9:00 AM to 5:00 PM during the same days. Whether you need assistance with personal loans, checking accounts, or online banking, our friendly staff is ready to help!

Services Offered

As part of our commitment to meet your financial needs, we offer a range of services including auto loans, mortgage options, credit cards with rewards, and business banking solutions. Plus, enjoy the ease of ATM access for withdrawals and balance checks anytime you need it. While members can visit us at 2100 White Ave for all banking needs, official correspondence should be sent to P.O. Box 51848 in Knoxville.

Member Eligibility

Becoming a member of U. T. means joining a friendly community that genuinely cares about your financial well-being. If you live, work, or attend school in the Knoxville area, you're already on the right track! We welcome individuals who are part of specific groups related to the University of Tennessee, as well as their families. This inclusive approach ensures that many people can enjoy the benefits of membership, from personalized service to competitive rates on loans and savings accounts. For more details about who qualifies, feel free to visit our eligibility page at . Opening an account with us is designed to be simple and straightforward. Just head over to our online application at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3y8lw2pxmk6xw4gqaehir9mpkq4vb6_hezj2kqd93b_ztytq_l-4pbqwxa593jfnpzbvvnzjcw8txcuv2nexfycsetf0kvacfbqdt6ij3gybcw_8dpjmld6uo_mhy52tq, and you'll be guided through each step. If you have any questions or need assistance, don't hesitate to give us a call at (865) 971-1971. We're here to help you start your journey with U. T., where your financial goals are our priority!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $111 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $24 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $88,324,418, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services designed to simplify transactions. Imagine running your store and being able to accept payments easily whether it's credit cards, mobile payments, or online transactions. Our services help you keep your business running smoothly while providing customers with the convenience they expect. If you're located near us at 2100 White Ave Knoxville Tn 37916, Knoxville, TN 37916, stop by or give us a call at (865) 971-1971. Let's work together to fuel your business's success!

Comprehensive List Of Services

Accessibility at Your Fingertips

We also provide basic drive-thru banking for quick transactions such as deposits and withdrawals. Our ATM access allows for easy withdrawals and balance checks without stepping inside the branch. All these services aim to make banking convenient and accessible for you. We invite you to visit us at 2100 White Ave Knoxville Tn 37916 or call us at (865) 971-1971 if you have any questions about how we can serve you better. At U. T., we're here to support your financial journey every step of the way! For more information on opening an account or exploring our services further, don't hesitate to check out our website at Ut Federal Credit Union - White Avenue. Let's work together towards achieving your financial goals!

Business Banking

If you're a business owner, we know how important it is to keep your operations running smoothly. Our business banking services, including merchant services and business loans, are designed with entrepreneurs like you in mind. We aim to support your growth and success by providing tailored solutions that fit your unique business needs.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime, anywhere is crucial. That's why we offer robust online and mobile banking platforms. You can check balances, transfer funds, pay bills, and even apply for loans right from your smartphone or computer. With features like ATM and cash withdrawal services, accessing your money is easier than ever.

Personal Banking

Our personal banking services are tailored to help you achieve your financial goals. We offer checking and savings accounts that come with convenient features to help you manage your money effectively. Need a car? Our auto loans and vehicle financing options make it easy for you to drive away in the vehicle of your dreams without straining your budget. If you're considering buying a home, our mortgage loans and refinancing options can assist you in making informed decisions about homeownership. For those times when unexpected expenses arise, our personal loans and debt consolidation services provide an excellent way to regain control over your finances. And don't forget about our credit cards with rewards, which not only offer convenience but also give you something back every time you use them.

Digital & Online Banking

Convenient Online Banking Services

With our online banking platform, available at https://www.utfcu.org/, you can easily check your account balance, pay bills, and transfer funds all from the comfort of your home or on the go. Our 24/7 online banking services ensure that you have access to your financial information whenever you need it.

Security You Can Trust

We prioritize your safety. Our systems are equipped with top-notch security features to protect your personal information and transactions. You can bank with peace of mind knowing that we're working hard to keep your data secure. With these digital tools at your fingertips, managing your finances has never been simpler or more accessible. Join us at U. T. today and experience the benefits of modern banking!

User-Friendly Features

Our mobile application makes banking even easier. You can make payments using mobile payments, send money directly to friends or family with person-to-person transfers, and view e-statements for quick and easy record-keeping. Plus, with electronic signature authorization, signing documents is a breeze no more paperwork cluttering your space!

Financial Strength

Commitment to Growth

With $47,117,224 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $1,257 in used auto loans and $434,489,521 in total loans and leases available to support your financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts stand at 49,200, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments) amount to $226,287, reflecting our ability to support member needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, U. T. is your trusted partner. Visit us at 2100 White Ave Knoxville Tn 37916 or call (865) 971-1971 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secure with us! Members' savings are backed by $139,237,869 in share certificates and $56,529,559 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,682,238 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 91 full-time employees and 2 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $49,054,764, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $939 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,108,000 in used vehicle loans and $168,255,706 in new vehicle loans already helping members get on the road. We cater to both new and used vehicles, making it easier for you to drive away in a car that suits your needs and budget.

Business Financing

For business owners, our outstanding commercial loans totaling $88,324,418 provide the capital needed to grow and expand. We know how crucial it is for businesses to have access to funds when they need them. That's why we work closely with our members to create tailored financing solutions that fit your business model.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,508,502, make buying or refinancing simple. Whether you're looking for your first home or want to refinance an existing loan, our competitive rates and personalized service are here for you.

Refinancing Options

If you're considering refinancing any of your current loans, U. T. provides options that may lower your monthly payments or help you pay off debt faster. Speak with one of our knowledgeable representatives today about eligibility and how we can help streamline your finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan offerings or to discuss which option is best for you, please feel free to reach out at (865) 971-1971 or visit us at 2100 White Ave Knoxville Tn 37916 in Knoxville, TN. Your journey toward financial wellness starts here!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $5,227,108 in loans helping members manage their finances effectively. Enjoy the convenience of credit when you need it most without the stress of secured debt.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to accuracy ensures that all offers are fair and transparent. Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what users see. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of using a reliable comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

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