U. T. FEDERAL CREDIT UNION

At U. T., our mission is simple yet powerful: to empower our members through quality financial services while fostering a sense of community. We believe in treating each member as a person, not just a number. Our services range from personal banking options like checking and savings accounts to auto loans and mortgages. We also offer business banking solutions tailored to help local businesses thrive. We take pride in being more than just a credit union; we aim to make a difference in our community. Through various outreach programs and partnerships, we strive to support local initiatives that uplift those around us. Our dedicated team is always looking for ways to enhance member experiences through modern conveniences like online banking and mobile payments while ensuring compliance with ADA standards. While members can visit us at 707 E Emory Rd for all their banking needs, official correspondence should be sent to the same address for convenience. If you have any questions or need assistance, please don't hesitate to reach out at 865-971-1971. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of membership at U. T., where your financial health is our top priority. Together, let's build a brighter tomorrow for you and our community!

We take pride in making banking accessible for everyone. Our branch features ADA-compliant entrances and ramps, ensuring that all members can easily access our services. For those who prefer to bank without leaving their car, we offer a drive-thru service for quick deposits and withdrawals.

At U. T., we offer a variety of services tailored to meet your financial needs ranging from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our ATM availability ensures that you can access cash whenever you need it. Additionally, online and mobile banking options make managing your finances even easier. We invite you to visit us at the Emory Rd Branch today! If you have any questions or need assistance before stopping by, feel free to call us at 865-971-1971. We look forward to serving you!

Located near popular landmarks and easily accessible from main roads, our branch is designed for your convenience. Whether you're stopping by after work or running errands on the weekend, we're here to help. Plus, with ample parking available right outside, visiting us is hassle-free.

Our operating hours are designed with your busy schedule in mind. Join us Monday through Thursday from 9:00 AM to 5:00 PM, Fridays from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 12:00 PM. Whether you need personal banking services or assistance with loans and credit cards, our friendly staff is ready to assist you during these hours.

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.

Imagine having a reliable partner for your payment processing needs. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Whether you're a small retailer or a larger enterprise, our solutions ensure that payments are processed smoothly and securely. Visit us at 707 E Emory Rd Knoxville Tn 37938 or call us at (865) 971-1971 to learn more about how our business banking and commercial services can support your journey to success!

Need cash in a hurry? Our ATM & Cash Withdrawal Services are available around the clock for your convenience. You can also take advantage of our basic drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. With all these services offered at U. T., we aim to meet the diverse needs of our members while ensuring ease of access and overall convenience throughout your banking experience. If you're interested in learning more about how we can support your financial journey, don't hesitate to reach out! Call us at 865-971-1971, or visit us online at utfcu.org. We look forward to serving you!

For small business owners, we offer robust Business Banking solutions including merchant services and business loans designed to help you grow and succeed. Whether you're starting out or expanding your existing enterprise, our team is ready to assist.

At U. T., we believe that credit should work for you. Our Credit Cards with Rewards allow you to earn points on purchases, making every dollar spent count towards something special.

In today's fast-paced world, convenience is key. That's why we've invested in top-notch Online & Mobile Banking features that let you manage your accounts anytime, anywhere. From checking balances and transferring funds to paying bills and accessing statements, everything is just a few clicks away.

Purchasing a home is one of the biggest decisions you'll ever make. Our Mortgage Loans & Refinancing services simplify the process, guiding you through each step while offering rates that won't break the bank. For those looking to consolidate debt or cover unexpected expenses, our Personal Loans & Debt Consolidation options are here to help you regain control over your finances.

Whether you're opening your first checking account or looking to save for future goals, our Personal Banking services are tailored just for you. We offer checking and savings accounts that fit your lifestyle, making it easy to manage your money. If you're dreaming of a new car or need funds for repairs, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, ensuring you can hit the road with confidence.

With mobile payments enabled, making purchases or sending money is as easy as tapping your phone. It's not just about convenience; it's about giving you the tools to manage your money effectively and efficiently. Whether it's day or night, our services are here to support you every step of the way. In summary, our digital banking options at U. T. combine accessibility and ease-of-use with top-notch security features, ensuring that managing your finances is as stress-free as possible. Explore all that we have to offer and take control of your financial journey today!

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. If you're on the go, our mobile application makes banking even simpler. You can easily manage your accounts right from your smartphone. Plus, with features like person-to-person transfers, sending money to friends or family is a breeze. Security is always a priority at U. T.. We utilize electronic signature authorization for added protection when signing documents online. This ensures that your transactions are safe and secure. Additionally, you can opt for e-statements to keep track of your finances without the clutter of paper statements another step towards making banking more environmentally friendly.

Our commitment to our members is reflected in our impressive $47,117,224 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,257 in used auto loans and $434,489,521 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Total Share Accounts stand at 49,200, showcasing 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 the strength of your credit union. In conclusion, 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 707 E Emory Rd Knoxville Tn 37938 or call (865) 971-1971 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.*

Our operational efficiency is highlighted by 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.

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. We believe in prioritizing our members over traditional banking practices. 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 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.

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 provide flexible terms that can accommodate different budgets, making it easier for you to drive away with the vehicle you want.

For business owners, our outstanding commercial loans totaling $88,324,418 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are committed to supporting your entrepreneurial journey. At U. T., we prioritize understanding your individual needs and providing solutions that work for you. If you're interested in any of our loan products or would like more information about refinancing options, please feel free to reach out at (865) 971-1971 or visit us at our branch located at 707 E Emory Rd Knoxville Tn 37938 in Knoxville, TN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial objectives!

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $25,508,502, make buying or refinancing simple. We know that purchasing a home is a significant step, and our dedicated team is here to guide you through the process. We also offer refinancing options for current homeowners looking to lower their monthly payments or access equity.

For those managing everyday expenses or planning larger purchases, 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. These cards come with competitive rates and rewards that can benefit your spending habits.

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