Upper Cumberland Credit Union Crossville TN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Upper Cumberland, your trusted community credit union located at 9 Southbend Dr, Crossville, TN 38555. Established in 1935, we have proudly served our members for over eight decades, building a reputation for reliability and personalized service. With a total membership of 8,595 and assets exceeding $121 million, we are committed to providing financial solutions tailored to meet the diverse needs of our community. At Upper Cumberland, we believe in empowering our members through comprehensive banking services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment to your financial well-being is reflected in our total deposits of $16,276,342 and an impressive net worth of $11,565,030. Whether you're looking to finance a new vehicle or save for the future, we are here to help you achieve your goals. While members can visit us at our branch location, official correspondence should be sent to P.O. Box 529, Crossville, TN 38557. Our dedicated team of 41 employees, led by CEO Amy Beasley and Board President Tony Brock, is here to assist you with all your banking needs. You can reach us at (931) 484-9433 for any questions or assistance. Join us today and experience the friendly service that has made Upper Cumberland a cornerstone of the Crossville community. Visit our website at ucfcu.org to learn more about our services or stop by our branch during our convenient hours! We look forward to serving you.

Branch History & Mission

At Upper Cumberland, we take pride in our rich history and unwavering commitment to our community. Founded in 1935, our branch has grown from humble beginnings into a trusted financial partner for many families in Crossville, TN. Over the years, we've dedicated ourselves to not only providing exceptional financial services but also enhancing the lives of those we serve. Located at 9 Southbend Dr, Crossville, TN 38555, our branch has become a cornerstone of the community. Whether you're just starting your financial journey or looking for ways to expand your investments, we're here to help. With a total membership of 8,595 and assets amounting to an impressive $121,582,822, we have built a strong foundation that allows us to offer personalized banking solutions tailored to your needs. Our mission is clear: We strive to empower our members through accessible financial services while nurturing a spirit of community support. We believe that everyone deserves the opportunity to thrive financially. Our services include personal banking like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. We are committed to making banking easy and convenient with features such as online and mobile banking options. While members can visit us at 9 Southbend Dr for their banking needs, official correspondence should be sent to P.O. Box 529, Crossville, TN 38557 if you need assistance or have inquiries outside of regular hours. Throughout our history, we've embraced technological advancements while ensuring accessibility for all. Our branch is ADA compliant and offers ATM access along with drive-thru services for added convenience. We understand that life can be busy; that's why we keep our operating hours flexible open Monday through Friday with special hours on Wednesday. Our commitment extends beyond banking as we actively engage in community outreach efforts. From local partnerships to support programs that help families achieve financial stability, we're dedicated to making a positive impact right here in Crossville. Join us at Upper Cumberland today! Experience firsthand how we can support your financial goals while contributing positively to the community. Discover more about becoming a member by visiting our website or give us a call at 931-484-9433. Together, let's build a brighter future!

Branch Location & Accessibility

Contact Us Today!

If you have any questions or need assistance, don't hesitate to reach out! You can call us at (931) 484-9433. We're here to help you achieve your financial goals with a personal touch. Visit us today at Upper Cumberland's South Branch where community meets convenience!

Nearby Landmarks and Accessibility Features

Located near popular spots in Crossville, like the beautiful Cumberland County Playhouse and the scenic Stonehaus Winery, you'll find it easy to combine your banking errands with a visit to these local treasures. We prioritize accessibility for all members, featuring ADA-compliant entrances and ramps. Additionally, ample parking is available right outside our doors, making it convenient for everyone to visit us.

Operating Hours and Services Offered

At Upper Cumberland, we understand that your time is valuable. Our lobby hours are designed to fit into your busy schedule: we are open Monday, Tuesday, and Thursday from 8:00 AM to 4:30 PM; Wednesday from 8:00 AM to 12:00 PM; and Friday from 8:00 AM to 5:00 PM. Our drive-thru service allows for quick transactions without leaving your car. We offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Plus, enjoy the convenience of online and mobile banking so you can manage your finances anytime, anywhere!

Member Eligibility

Becoming a member of Upper Cumberland is like joining a family where your financial well-being is the top priority. At our branch located at 9 Southbend Dr Crossville Tn 38555, we welcome anyone who lives, works, worships, or goes to school in our community. It's our way of creating a supportive network that fosters personal and financial growth. Membership is open to all individuals within these criteria, making it easy for you to join us and take advantage of the many benefits we offer, including competitive rates on loans and savings accounts, personalized service, and community-focused initiatives. To learn more about the specific eligibility details and see if you qualify, feel free to check out our resource at http://www.ucfcu.org/learn/membership-information. If you're ready to open an account, the process is straightforward! You can get started online by visiting https://secure.ucfcu.org/enroll, or simply give us a call at (931) 484-9433 if you have any questions. We're excited to welcome you into the Upper Cumberland community!

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. Additionally, 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

In today's fast-paced world, having the right tools is crucial for success. Our merchant services allow businesses to accept payments easily and efficiently, whether through card transactions or mobile payments. Imagine serving customers without the hassle of complicated payment systems our services streamline transactions so you can focus on what matters most: growing your business. Visit us at 9 Southbend Dr Crossville Tn 38555 in Crossville, TN or call us at (931) 484-9433 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, Upper Cumberland has you covered too! We provide essential merchant services and business loans to help your business thrive. Our team understands the challenges of running a business and is here to support you every step of the way.

Credit Cards and Rewards

With our credit cards with rewards, you can earn points on everyday purchases that can be redeemed for exciting rewards. Whether it's cash back or travel perks, we want to ensure that your spending is rewarding.

Digital Banking Convenience

In today's fast-paced world, having access to your finances on the go is crucial. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, and pay bills from anywhere with just a few taps on your smartphone. Our ATM and cash withdrawal services also ensure that you have access to your money whenever you need it.

Drive-Thru & ATM Services

For those who prefer in-person service without leaving their car, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions with ease. Plus, our ATMs provide essential services like withdrawals and balance checks at your convenience. At Upper Cumberland in Crossville, TN, we aim to make banking as straightforward as possible while providing personalized service tailored to your needs. If you're ready to explore these offerings further or have any questions, don't hesitate to call us at 931-484-9433 or visit us online at ucfcu.org. We're excited to partner with you on your financial journey!

Personal Banking Solutions

Managing your finances should be easy and accessible. At Upper Cumberland, we offer a variety of personal banking options tailored for everyone. Open a checking or savings account with us to manage your day-to-day expenses effectively. If you're thinking about purchasing a new car or refinancing an existing loan, our auto loans and vehicle financing can help make those dreams a reality. For larger purchases like homes, we provide competitive mortgage loans and refinancing options that fit your budget. Additionally, our personal loans and debt consolidation services can simplify your finances by giving you a clear path to paying off debts.

Digital & Online Banking

Key Features

Our digital banking services include e-statements, which provide a safe and environmentally friendly way to keep track of your financial activities. Gone are the days of waiting for paper statements in the mail; you can view your e-statements whenever you want. If you're looking to send money quickly, our person-to-person transfer feature makes it easy to send funds directly to friends or family without any hassle. Security is a top priority for us, which is why our online banking system is equipped with robust safety measures. While we currently do not support electronic signature authorization for transactions, you can rest assured that your information is protected as you navigate our digital services. Want to make purchases easily? With our mobile payments feature, you can use your smartphone to pay for goods and services without needing cash or cards. It's a simple and secure way to manage everyday spending. Whether you're checking account balances or making payments late at night, our 24/7 online banking services ensure you're always connected to your finances. The ease of accessing your financial information in real-time empowers you to make informed decisions whenever they arise. Discover how Upper Cumberland can simplify your banking experience through innovative digital solutions today!

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, which reflects our commitment to providing reliable services and supporting 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. 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. 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 $10,389,901 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $45,599 in used auto loans and $71,409,489 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $615,858 in net income 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 36 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 16,620, showing 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 9 Southbend Dr Crossville TN 38555 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 vehicle or a reliable used option, our team is here to assist you every step of the way.

Credit Lines

Our total credit lines amount to $10,000,000, providing additional flexibility for personal or business-related expenses. This can be an excellent option if you're considering larger purchases or projects. In addition to these offerings, if you have any questions about eligibility or refinancing options available at Upper Cumberland, don't hesitate to reach out. You can contact us at 931-484-9433 or visit us at 9 Southbend Dr Crossville TN 38555. 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 dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,100,740, make buying or refinancing simple. We aim to support your dreams of owning a home while providing guidance on eligibility and refinancing options tailored to your situation.

Unsecured Credit Card Loans

For those looking for flexibility in managing everyday expenses, we also offer unsecured credit card loans. While currently totaling $0, we are dedicated to developing solutions that help our members handle their finances effectively.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh takes pride in its commitment to transparency and reliability. 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 rigorous sourcing ensures that users receive fair and transparent offers every time they compare loans.