Upper Cumberland Credit Union Cookeville TN | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Upper Cumberland, your trusted financial partner located at 1515 Interstate Dr, Cookeville, TN 38501. Since our establishment in 1935, we have proudly served the community with a strong commitment to providing exceptional banking services tailored to meet the needs of our 8,595 members. As a member-focused credit union, we believe in building relationships that enhance your financial well-being. At Upper Cumberland, we understand the importance of security and accessibility. With total assets of $121,582,822 and total deposits amounting to $16,276,342, our solid financial foundation allows us to offer competitive loans and valuable services. Whether you're looking for auto loans, mortgages, or personal banking solutions, we've got you covered with a total of 7,731 loans and leases. Our team is dedicated to ensuring you receive personalized attention and support. Under the leadership of CEO Amy Beasley and Board President Tony Brock, we strive for excellence in all that we do. Our friendly staff of 41 employees is always ready to assist you, whether it's through our convenient drive-thru service or online banking options available on our website www.ucfcu.org. While members can visit us at our branch for their banking needs, official correspondence should be sent to PO Box 529, Crossville, TN 38557. We encourage you to reach out at 931-484-9433 if you have any questions or need assistance. Join us as we continue to make a positive impact on our community through responsible lending and member-oriented services. Visit us today and discover how Upper Cumberland can help you achieve your financial goals!

Branch History & Mission

At Upper Cumberland, we take pride in our rich history and unwavering mission to serve our community. Established in 1935, our Cookeville branch has grown alongside the families and businesses we support, evolving from a small credit union into a trusted financial partner for over 8,595 members today. Located at 1515 Interstate Dr, Cookeville, TN 38501, our branch is easily accessible for those in the area and just a stone's throw away from local landmarks that embody the spirit of our vibrant community. Throughout the years, Upper Cumberland has achieved significant milestones that reflect our commitment to excellent service and community engagement. As we navigate through changing times, we've embraced advancements in technology while maintaining our dedication to personal service. Our total assets now stand at an impressive $121,582,822, which allows us to offer competitive rates on loans and savings accounts tailored to meet the diverse needs of our members. Our mission is simple yet impactful: to provide outstanding financial services while fostering community growth and support. We believe that when our members thrive, so does the entire community. That's why we offer various products ranging from checking and savings accounts to auto loans and mortgages. We also prioritize accessibility with features like online banking, mobile payments, and a drive-thru service for quick transactions. While members can visit us at 1515 Interstate Dr, official correspondence should be sent to PO Box 529, Crossville, TN 38557 if you need to reach us by mail. Our friendly staff is here to assist you during lobby hours from Monday to Thursday between 8:00 AM and 4:30 PM and on Fridays until 5:00 PM. We even open on Saturdays until noon for your convenience. Upper Cumberland isn't just about numbers; it's about people. We actively engage in partnerships with local organizations to uplift those in need within our community. Through outreach programs and events, we strive to make a difference beyond banking. As we look toward the future, we invite you to join us on this journey. Experience the benefits of being part of Upper Cumberland today! Whether you're looking for a reliable place for your finances or wanting to get involved in community initiatives, we're here for you every step of the way. Call us at 931-484-9433 or visit our website at www.ucfcu.org to learn more about becoming a member today!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Our branch is nestled near popular local spots, making it simple to combine your banking with errands or leisure activities. With ample parking available right at the entrance, you can come in without any hassle. Plus, our location is fully ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

We understand that life can be busy, which is why we offer flexible operating hours. Our lobby is open Monday through Thursday from 8:00 AM until 4:30 PM, Friday until 5:00 PM, and Saturday until noon. This schedule provides plenty of opportunities for you to stop by and get assistance when it works best for you.

Services Offered

At Upper Cumberland, we offer a wide range of services tailored to meet your financial needs from personal checking and savings accounts to auto loans and mortgage options. Need quick cash? Our ATM is available for withdrawals and balance checks anytime. For those who prefer a drive-thru experience, we also provide basic drive-thru banking for deposits and withdrawals. While members can visit us at 1515 Interstate Dr, official correspondence should be sent to PO Box 529 in Crossville if necessary. If you have any questions or would like more information about our services, feel free to give us a call at 931-484-9433. We look forward to welcoming you soon!

Member Eligibility

At Upper Cumberland, we believe that becoming a member is like joining a family where everyone supports each other. If you live, work, or worship in our community, you're already eligible to join us! We welcome individuals from all walks of life, making it easy for you to access our services and enjoy the benefits of membership. Whether you're looking for a checking account, savings options, or loans tailored to your needs, our friendly team is here to help you every step of the way. For more specific details about eligibility, check out our website at http://www.ucfcu.org/learn/membership-information. Once you're ready to open an account, simply visit us online at https://secure.ucfcu.org/enroll or give us a call at (931) 484-9433. Your journey towards better banking starts here at Upper Cumberland, located at 1515 Interstate Dr Cookeville Tn 38501!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having the ability to accept payments easily from your customers, no matter where they are. Our merchant services provide you with the tools you need to manage transactions smoothly. From credit card processing to online payment solutions, we help simplify your payment processes so you can focus on what matters most growing your business. Located conveniently at 1515 Interstate Dr Cookeville Tn 38501 in Cookeville, TN, our dedicated team is ready to assist you. Contact us today at (931) 484-9433 to discover how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our local entrepreneurs, Upper Cumberland offers robust business banking services. From merchant services that streamline transactions for your customers to business loans that can fund growth initiatives, we've got you covered. Our goal is to empower local businesses in Cookeville by providing accessible financial solutions.

Convenient Access Points

To enhance your banking experience further, we provide several convenient access points. Our ATM services allow for easy cash withdrawals and balance checks whenever needed. If you prefer face-to-face interactions but are short on time, our drive-thru banking makes transactions quick and hassle-free.

Final Thoughts

At Upper Cumberland, we're more than just a credit union; we're part of the community, focused on helping you achieve your financial goals. Whether you're at home or out running errands, our digital banking features ensure you have control over your finances anytime, anywhere. Ready to take the next step? Call us at 931-484-9433 or visit us today at 1515 Interstate Dr, Cookeville, TN 38501! Let's work together to build a brighter financial future!

Personal Banking Solutions

Starting with our personal banking options, we offer checking and savings accounts tailored to meet your day-to-day needs. Imagine having access to your funds anytime through our user-friendly online and mobile banking platforms. You can manage your accounts on-the-go, check balances, and even make deposits from the comfort of your home. When it comes time to purchase a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture driving away in the car of your dreams without the stress of high payments. We also offer mortgage loans and refinancing services for those looking to buy their first home or lower their current mortgage rates. If you're facing unexpected expenses or need some extra cash, our personal loans and debt consolidation options can help ease your financial burden. With straightforward application processes, getting approved is simpler than ever. Plus, don't forget about our credit cards with rewards that can benefit you every time you shop.

Digital & Online Banking

At Upper Cumberland, we understand that banking should fit into your busy life, not the other way around. That's why we offer a range of digital and online banking services designed to make managing your finances convenient, secure, and accessible anytime you need. With our 24/7 online banking services available at https://www.ucfcu.org/, you can check your account balance, transfer funds, and pay bills all from the comfort of your home or on the go. Our user-friendly interface makes it easy to navigate, ensuring you have real-time access to your financial information whenever you need it. We are proud to offer E-Statements so you can say goodbye to paper clutter. By opting for electronic statements, you'll receive your account information securely and instantly, making it easier than ever to keep track of your finances. Plus, with our mobile application, banking is literally at your fingertips. Whether you're out shopping or relaxing at home, you can manage your accounts with just a few taps on your phone. Need to send money quickly? Our person-to-person transfers feature allows you to send cash to friends and family in just moments. Whether it's splitting a bill or sending a gift, this service provides an easy solution without the hassle of checks or cash. For those who prefer using their mobile devices for payments, our mobile payments feature lets you make purchases directly from your phone. It's a secure way to pay that keeps your information safe while offering convenience. At Upper Cumberland, we prioritize security in all our online services. While we don't currently support electronic signature authorization, our robust security measures help ensure that your personal information remains protected as you enjoy the benefits of digital banking. Experience the ease and accessibility of modern banking at Upper Cumberland today! Visit us online at https://www.ucfcu.org/ to explore all the digital services we have tailored for you.

Financial Strength

At Upper Cumberland, 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 understand that in today's world, you want to be sure that your financial institution is strong and reliable. That's why we are proud to share our financial standing with you. With a net worth of $11,565,030, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $971 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 $2,987,815 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members' interests over traditional banking practices; therefore, it's important to note that we have $0 in non-member deposits. This means our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Moreover, with $10,389,901 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, as demonstrated by the $4,599 in used auto loans and $71,409,489 in total loans and leases. This means we're here to support your financial goals across various sectors. Our operational efficiency is reflected in our $615,858, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 36 full-time employees and 5 part-time employees who are dedicated to providing you with excellent service. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 16,620, showcasing a strong member base that trusts us with their 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. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Upper Cumberland is your trusted partner. Visit us at 1515 Interstate Dr Cookeville Tn 38501 or call (931) 484-9433 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $31,263,414 in used vehicle loans and $7,183,612 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our team is ready to assist you through every step of the process.

Credit Lines

If you're looking for more flexibility in your borrowing options, our total credit lines amounting to $10,000,000 can give you the peace of mind that comes from having access to additional funds whenever necessary. These lines are perfect for individuals who want to ensure they're covered for any situation that may come up.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,100,740, designed to help you secure the home you've always wanted. Our mortgage specialists can guide you through eligibility requirements and find the best financing solution for your situation.

Refinancing Options

If you currently have a loan and are considering refinancing for better terms or lower rates, we can assist with that too. We strive to make the refinancing process straightforward so that you can save money while enjoying the benefits of improved loan conditions. For more information on eligibility and how our loan products can meet your needs, feel free to reach out at (931) 484-9433 or visit us at our branch located at 1515 Interstate Dr Cookeville Tn 38501 in Cookeville, TN. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial aspirations!

Unsecured Credit Card Loans

We also recognize that managing day-to-day expenses can be challenging. That's why we provide flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option allows you to have access to funds when unexpected costs arise without the worry of collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results so you can focus on what matters most finding the best loan for your situation. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can easily navigate their options and make informed decisions. 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!" 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.*

How LendMesh Ensures 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 ensures that users receive fair and transparent offers tailored to their needs. By relying on verified data, LendMesh guarantees that the information presented is both accurate and trustworthy.