Upper Cumberland Credit Union Crossville TN | Best Auto Loans & Personal Banking

Introduction

Welcome to Upper Cumberland, your trusted financial partner located at 627 Livingston Rd, Crossville, TN 38555. Established in 1935, we have dedicated ourselves to serving our community with integrity and reliability for nearly a century. With a proud membership of over 8,595 individuals, we are more than just a credit union; we are a family committed to helping you achieve your financial goals. At Upper Cumberland, we understand that every member has unique needs. That's why we offer a wide range of services from personal banking such as checking and savings accounts to auto loans, mortgage financing, and business banking solutions. We believe that everyone deserves access to financial resources that empower them. Our solid foundation is reflected in our impressive financial standing, boasting total assets of $121,582,822 and total deposits reaching $16,276,342. With a net worth of $11,565,030 and cash in hand amounting to $2,611,665, you can trust that your funds are in safe hands. We also pride ourselves on our ability to support our members through various loan options, offering a total of 7,731 loans and leases tailored to fit your lifestyle. Leadership plays a crucial role in our success. Under the guidance of our CEO Amy Beasley and Board President Tony Brock, our team of 41 employees is dedicated to ensuring you receive the highest level of service possible. We invite you to reach out with any questions or concerns; our friendly staff is here to assist you! While members can visit us at 627 Livingston Rd, official correspondence should be sent to our mailing address: PO Box 529, Crossville, TN 38557. We encourage you to explore all that Upper Cumberland has to offer by visiting our website at www.ucfcu.org. Whether you're looking to open an account or need assistance with loans or deposits, we're just a phone call away at 931-484-9433. Join us today and experience the difference of being part of the Upper Cumberland family!

Branch History & Mission

Community Commitment

Upper Cumberland is more than just a financial institution; we are an active part of the Crossville community. We participate in various outreach programs and partnerships that enhance the lives of those around us. From sponsoring local events to providing educational workshops on financial literacy, we believe in investing back into the community that has supported us throughout the years. Our operating hours make it easy for you to visit us: Drive-Thru service is available Monday through Thursday from 8:00 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:00 AM until noon. Whether you prefer face-to-face interactions or digital solutions, we have you covered with ATM availability and drive-thru banking options.

Join Us

As we look toward the future, we invite you to be a part of our journey. Experience firsthand the personal touch and community focus that sets Upper Cumberland apart. If you're interested in becoming a member or learning more about our services, please visit us at ucfcu.org or give us a call at 931-484-9433. Let's work together towards a brighter financial future!

Our Mission

At Upper Cumberland, our mission goes beyond just banking; we are here to empower individuals and families through financial education and support. We aim to help our members achieve their financial goals by providing accessible services such as personal banking, auto loans, mortgage options, and business banking solutions. Our commitment extends to ensuring that everyone in our community has access to the resources they need to thrive. We also take pride in offering modern conveniences like online banking and mobile payments for those who prefer managing their finances digitally. With ADA compliance at the forefront of our operations, we strive to ensure that all members can access our services comfortably and confidently.

Branch Location & Accessibility

Welcome to Upper Cumberland, your friendly neighborhood credit union! Conveniently located at 627 Livingston Rd in Crossville, TN, our branch is here to serve you with a range of financial services tailored to meet your needs. If you need to send official correspondence, please use our mailing address at PO Box 529, Crossville, TN 38557. Our branch is easy to find, nestled near popular landmarks that locals recognize, making it a familiar stop for all your banking needs. You'll appreciate the ample parking available right outside the entrance, which ensures that your visit is hassle-free. We are also committed to accessibility for everyone; our facility includes ADA-compliant features and ramps for ease of access. At Upper Cumberland, we understand that convenience is key when it comes to banking. That's why we offer drive-thru banking so you can manage your transactions without leaving your vehicle. Our operating hours are designed with your busy schedule in mind: we're open Monday through Thursday from 8:00 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 8:00 AM to 12:00 PM. Need cash? Our ATM is available on-site for quick and easy access to your funds anytime during business hours. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, our dedicated team is ready to help. We invite you to come by or give us a call at 931-484-9433. Discover how Upper Cumberland can support you on your financial journey today!

Member Eligibility

At Upper Cumberland, we believe that everyone deserves a chance to be part of a welcoming and supportive community. Becoming a member is easier than you might think! If you live, work, or worship in the area around 627 Livingston Rd Crossville Tn 38555, you're likely eligible to join us. We love serving individuals and families who are looking for a financial partner that truly cares about their needs. To explore the specific eligibility criteria, feel free to check out our website at http://www.ucfcu.org/learn/membership-information. Joining Upper Cumberland means gaining access to an array of financial services designed with your best interests in mind. From checking and savings accounts to auto loans and personal financing options, we strive to help you achieve your financial goals. Ready to take the next step? Opening an account is simple! You can start your journey by visiting us online at https://secure.ucfcu.org/enroll or giving us a call at (931) 484-9433. We can't wait to welcome you into our family!

Business Banking & Commercial Services

At Upper Cumberland, we understand that every business is unique and has its own set of challenges and opportunities. That's why we're dedicated to offering tailored solutions that support your business growth. Whether you're looking to expand your operations, invest in new equipment, or manage your cash flow, our commercial loan products can help turn your ambitions into reality. Imagine a local café looking to renovate its space. With the right financing, they can create a welcoming environment that attracts more customers. Our loans are designed to empower businesses like this every day. 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. In addition to loans, we offer comprehensive merchant services that simplify payment processing. From accepting credit cards to managing transactions online, we ensure you have the tools needed to serve your customers effectively. If you're ready to take the next step for your business, visit us at 627 Livingston Rd Crossville Tn 38555 in Crossville, TN, or call us at (931) 484-9433. Let's work together towards your success!

Comprehensive List Of Services

Accessing Cash Made Easy

We also prioritize ease of access when it comes to handling cash. Our ATM & cash withdrawal services allow you to withdraw money or check balances quickly without any hassle. Plus, with basic drive-thru banking available for deposits and simple transactions, getting in and out is quick and convenient. At Upper Cumberland, we're more than just a financial institution; we're part of the community. We invite you to explore all these services and more by visiting us at 627 Livingston Rd Crossville Tn 38555 or giving us a call at (931) 484-9433. Let us help you achieve your financial goals today! For more information about becoming a member or opening an account, visit us online at our website.

Business Banking Support

For our business members, we offer comprehensive business banking solutions, including merchant services and business loans. These services help local businesses thrive by providing the necessary financial support they need to grow and succeed.

Credit Cards with Rewards

Don't forget about the perks! With our credit cards featuring rewards, every purchase brings you closer to earning valuable benefits. Whether it's cashback on groceries or travel rewards for your next vacation, using our credit card can enhance your everyday spending experience.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Upper Cumberland, we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to paying bills with just a few taps on your phone, our digital banking options ensure that banking fits seamlessly into your life.

Home Financing Made Simple

If you're considering buying a home or refinancing your existing mortgage, our mortgage loans and refinancing services are designed with you in mind. We know that purchasing a home is one of the biggest decisions you'll make, so our team is here to guide you through every step of the process. Additionally, for those unexpected expenses or projects around the house, our personal loans and debt consolidation options provide flexible solutions to help ease financial stress.

Personal Banking Solutions

When it comes to personal banking, we understand that each member has unique needs. That's why we offer checking and savings accounts that help you manage your day-to-day finances effortlessly. Imagine having a reliable account where you can easily deposit your paycheck and access your funds whenever necessary. Alongside this, our auto loans and vehicle financing options make it simple for you to drive away in the car you want without breaking the bank.

Digital & Online Banking

Key Features

You can easily manage your finances at https://www.ucfcu.org/. Our online banking service is available 24/7, allowing you to check your balances, pay bills, and transfer funds from the comfort of your home or on the go. Plus, with our mobile application, all these features are just a tap away! For those who prefer paperless statements, e-statements are readily available. This means you can receive your financial documents securely in your inbox without worrying about clutter. And if you're looking to send money to friends or family quickly, our person-to-person transfer feature makes it simple and fast.

Security and Ease of Use

Your security is our top priority. While we currently do not offer electronic signature authorization, rest assured that we use robust measures to keep your data safe. You can enjoy peace of mind knowing that your information is protected while using our digital services. Additionally, if you're someone who likes to make payments on the go, you'll appreciate our mobile payments feature. It allows you to make transactions directly from your phone without needing cash or cards. In a world where technology makes everything easier, Upper Cumberland ensures that managing your finances is just as straightforward. From accessing accounts via our mobile app to utilizing e-statements for quicker communication, we strive to provide you with accessible tools for real-time account management. Join us at Upper Cumberland today and experience the simplicity of modern banking!

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 are proud to share our financial strength with you, demonstrating our commitment to safeguarding your funds and providing excellent services. 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. While we prioritize our members, it's also important to note that we have $0 in non-member deposits; this ensures that our resources are focused on benefiting you through better loan rates and exclusive perks. Our commitment to growth is reflected in our $10,389,901 in undivided earnings, which we reinvest in innovative banking tools, stronger lending options, and enhanced security measures. With $4,599 in used auto loans and $71,409,489 in total loans and leases, our lending capacity supports your financial goals across various sectors. We also take pride in having 36 full-time employees and 5 part-time employees who are dedicated to serving you with knowledge and care. Our operational efficiency is evident with a net income of $615,858, which enables us to continue offering competitive loan rates and solid financial products tailored for our members. The strength of Upper Cumberland is further highlighted by the fact that we manage a robust portfolio with total share accounts reaching 16,620. This shows a strong and growing member base that trusts us with their finances. 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 627 Livingston Rd Crossville Tn 38555 or call (931) 484-9433 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 $31,263,414 in used vehicle loans and $7,183,612 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, making it easy for you to drive away with the car you want.

Business Loans

For those who are business owners, although we currently do not have outstanding commercial loans available, our commitment is to serve the community's evolving needs. If you're interested in future opportunities for business financing or have specific requirements, don't hesitate to reach out. At Upper Cumberland, we also recognize that refinancing options may be available for our various loan products. For more information about eligibility and how our loan offerings can work for you, please visit our membership information page. For any questions or assistance regarding our loan products, feel free to call us at (931) 484-9433. 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're here to help you navigate your financial journey effectively!

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, providing the resources you need to secure your dream home. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with benefits that can ease your financial burden while allowing you the freedom to make purchases as needed.

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