U. T. Credit Union Knoxville TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to U. T., your trusted financial partner located at 1924 Alcoa Hwy, Knoxville, TN 37920. Since our establishment in 1969, we have proudly served our community by providing a wide range of banking services tailored to meet the needs of our members. With a total membership of 26,085 and assets exceeding $521,900,357, we are dedicated to ensuring your financial wellbeing. At U. T., we believe in building strong relationships with our members. Our team, led by CEO Debbie Jones and Board President Mike McNeil, is committed to offering personalized service and expert guidance. Whether you're looking for checking and savings accounts, auto loans, or personal loans, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 1924 Alcoa Highway, Knoxville, TN 37920. If you have any questions or need assistance, don't hesitate to reach out by calling us at 865-544-6691. We're proud to offer a robust suite of services including online and mobile banking, ATM access, and business banking solutions. Our goal is to empower you on your financial journey while actively contributing to the community we serve. Join us today and discover how U. T. can help you achieve your financial goals! Visit our website at utfcu.org or drop by during lobby hours from 7:00 AM to 4:00 PM on weekdays. We look forward to welcoming you into the U. T. family!

Branch History & Mission

Commitment to Innovation

As times change, so do we. U. T. embraces digital advancements to enhance member experiences through online and mobile banking options. Whether you're applying for a loan or managing your accounts from home, we've made it easier than ever. We also take pride in being ADA compliant and focusing on customer-centric initiatives that ensure all members feel welcome and valued.

Community Engagement

Our dedication goes beyond finance; we actively engage with local organizations and initiatives that uplift our community. Through partnerships and outreach efforts, U. T. aims to be a force for good in Knoxville supporting local events, educational programs, and charitable causes.

Join Us Today!

At U. T., every member counts, and every transaction matters. We invite you to join us on this journey towards financial empowerment and community growth. Experience firsthand what it means to be part of a credit union that truly cares about your financial future. For more information or to become a member today, visit us at U.T.'s website or give us a call at (865) 544-6691!

Our Journey

U. T. started as a small credit union with a vision to serve those who needed it most. Over the years, we have expanded our services and embraced new technology, ensuring that we meet the diverse needs of our members. From personal banking solutions like checking and savings accounts to auto loans and business financing, our offerings reflect our commitment to supporting financial well-being. Our headquarters is located in Knoxville, TN, where we maintain strong ties within the community. Each milestone we achieve is not just a testament to our growth but also a reflection of the trust placed in us by our members. We've dedicated ourselves to creating an inclusive environment that welcomes everyone.

Our Mission

At U. T., we believe in empowering our members through accessible financial services and educational resources. Our mission is rooted in providing support that extends beyond transactions; we strive to make a meaningful impact in the lives of our members and the broader Knoxville community. While members can visit us at 1924 Alcoa Hwy Knoxville Tn 37920, official correspondence should be sent to 1924 Alcoa Highway, Knoxville, TN 37920. We prioritize convenience with operating hours from Monday to Friday, 7:00 AM to 4:00 PM, and offer ATM availability for easy access to your funds.

Branch Location & Accessibility

Welcome to U. T., your friendly neighborhood credit union located at 1924 Alcoa Hwy in Knoxville, TN! We take pride in our convenient location, making it easy for you to access all the banking services you need. Just a stone's throw from popular spots like the Knoxville Zoo and the scenic Ijams Nature Center, our branch is nestled in a vibrant area that's easy to reach. At U. T., we understand that accessibility matters. Our branch is designed with features to ensure everyone can visit us comfortably, including ADA-compliant entrances and ample parking space. While you're here, feel free to utilize our ATM services for quick cash withdrawals or balance inquiries. We're open Monday through Friday from 7:00 AM to 4:00 PM, so you can stop by before or after your daily activities. If you have any questions or need assistance, don't hesitate to call us at 865-544-6691. While members can visit us at 1924 Alcoa Hwy, official correspondence should be sent to our mailing address at 1924 Alcoa Highway, Knoxville, TN 37920. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we have a variety of services tailored just for you. Our friendly team is always ready to help you find the best financial solutions that fit your needs. So why wait? Come visit us today at U. T., where community and convenience meet!

Member Eligibility

At U. T., we believe that joining our community is like becoming part of a big, supportive family. Membership is open to anyone who works, lives, worships, or attends school in the Knoxville area. This means that if you're part of our vibrant local community, you're already eligible! Being a member at U. T. comes with fantastic benefits, including access to personalized banking services and competitive loan rates that can help you achieve your financial goals. Getting started is simple! Just visit us at 1924 Alcoa Hwy Knoxville Tn 37920 or give us a call at (865) 544-6691 for more information. For those who want to dive deeper into the eligibility criteria and ensure they meet all requirements, check out the details at this link. When you're ready to open an account, you can start the process online through our easy application page here. We can't wait for you to join us!

Business Banking & Commercial Services

Member and Non-Member 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 That Matter

Imagine having a partner that understands your day-to-day needs. Our merchant services are designed for businesses just like yours. From credit card processing to online payment solutions, we provide tools that make transactions smooth and efficient. This means less time worrying about payments and more time focusing on what you do best running your business. Located conveniently at 1924 Alcoa Hwy Knoxville Tn 37920 in Knoxville, TN, we invite you to explore how our business banking services can help you thrive. Contact us at (865) 544-6691 to learn more!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Are you dreaming of that new car? Our auto loans and vehicle financing options can help turn that dream into reality. We provide competitive rates that can fit almost any budget. Whether you're buying a new or used car, our friendly team is here to guide you through the process, ensuring you find the best loan for your needs.

Business Banking Services

At U. T., we also cater to businesses with specialized services such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have tailored solutions designed to support local businesses and foster growth within the community.

Convenient Banking Features

With online and mobile banking, managing your accounts is at your fingertips. From checking balances to transferring funds or making payments, everything can be done from the comfort of your home or wherever life takes you! Plus, our ATM services ensure that cash is always within reach without any hassle. We invite you to visit us at 1924 Alcoa Hwy Knoxville Tn 37920 in Knoxville, TN, or give us a call at (865) 544-6691 for more information about how we can serve you better. At Ut Federal Credit Union - Hospital Branch, we are committed to providing exceptional service and support every day!

Credit Cards with Rewards

Our credit cards with rewards let you earn points on everyday purchases. Use them for groceries, gas, or shopping every swipe brings you closer to exciting rewards! Plus, managing your credit has never been simpler thanks to our online account access.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance their current mortgage, our mortgage loans come with flexible terms and personalized service. Buying a home is one of the most significant decisions you'll make, and we're here to assist you every step of the way making sure you feel confident in your choice.

Personal Banking Solutions

We understand that managing money can sometimes feel overwhelming. That's why we offer various personal banking options like checking and savings accounts designed to help you save while earning interest. Imagine easily accessing your funds online or through our mobile app whenever you need them! With features like e-statements and mobile payments, tracking your finances has never been easier.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans offer quick solutions with reasonable rates. We believe in helping our members regain control over their finances, allowing them to focus on what matters most.

Digital & Online Banking

Accessibility Anytime

We believe that banking should fit into your life seamlessly. That's why we've designed our services to be accessible whenever you need them. With just a few taps on your phone or clicks on your computer, you have real-time access to manage your accounts effectively. At U. T., we are committed to making your banking experience as straightforward and enjoyable as possible. Explore all these features today by visiting https://www.utfcu.org/!

Secure and Convenient Features

Security is a top priority for us. Our Electronic Signature Authorization allows you to sign documents safely online, eliminating the need for paper forms and in-person visits. This means you can complete important transactions from the comfort of your home. On the go? Our Mobile Application offers all the features of online banking right at your fingertips. You can even make Mobile Payments, allowing you to pay for purchases quickly and securely using your smartphone. Plus, with our Person-to-Person Transfers, sending money to friends and family is simple and instant.

Financial Strength

At U. T., financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial standing, which reflects our commitment to serving you effectively. 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. Members' savings are secured through $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. 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 supports your financial goals across various sectors with $1,257 in used auto loans and $434,489,521 in total loans and leases. Our operational efficiency is evident with a net income of $1,682,238, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our net shares (funds available for lending and investments) stand at $226,287, indicating that we have the resources needed to help you achieve your financial objectives. Additionally, with a total of 49,200 share accounts, it's clear that more members trust us with their finances every day. 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 1924 Alcoa Hwy Knoxville Tn 37920 or call (865) 544-6691 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you're interested in purchasing a brand-new vehicle or a reliable used car, we have financing solutions that fit your budget.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $88,324,418 provide the capital needed to expand operations or invest in new ventures. We are dedicated to supporting local businesses with financial products that enhance their potential for success.

Credit Lines and Personal Loans

We also provide flexible terms on unsecured credit card loans, with a total of $5,227,108 in loans helping members manage their finances effectively. If you need extra cash for unexpected expenses or want to consolidate debt into one manageable payment plan, our personal loan options are tailored to meet your needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $25,508,502, allowing you to invest in your dream home without hassle. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans be it auto loans or mortgages we can help identify the best options available for you. Our expert team will work with you to ensure you take advantage of favorable rates and terms. To learn more about our loan offerings or start your application today, visit U T Federal Credit Union or call us at 865-544-6691. Remember that all performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Your journey towards achieving your financial goals starts here at U. T., where we're committed to serving our community with quality lending solutions that make a difference!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the rates they see reflect actual offers. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach guarantees that users are not swayed by marketing tactics. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Knowing current rates allows borrowers to act promptly when they find an offer that meets their needs. 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!" This testimonial highlights the real benefits that come from using LendMesh as a 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.

Ensuring Accurate Loan 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 sourcing ensures that users receive fair and transparent offers when comparing loans. Each financial institution listed has been thoroughly vetted for accuracy, giving users confidence in the information presented.

U T