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Overview / Commentary
2100 White Ave
Knoxville, TN 37916-2216

UT Federal Credit Union is headquartered in Knoxville and is the 19st largest credit union in the state of Tennessee. It is also the 874th largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 70 employees and 22,754 members. UT Federal Credit Union's savings rates are 2X the national average, and it has a A health rating.

Field of Membership Restrictions

If you live, work, worship, go to school, or conduct business in the 5 counties surrounding Knoxville, you're eligible. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 UT Federal Credit Union had $185,000 in non-current loans and owned real-estate with $18.04 million in equity and loan loss allowances on hand to cover it. This gives UT Federal Credit Union a Texas Ratio of 1.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for UT Federal Credit Union decreased slightly from 1.32% as of March 31, 2013 to 1.03% as of March 31, 2014, resulting in a positive change of 22.08%.This indicates that the balance sheet and financial strength for UT Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, UT Federal Credit Union has increased its total deposits by $9.87 million, resulting in 5.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UT Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UT Federal Credit Union has $220.23 million in assets with $18.04 million in equity, resulting in a capitalization level of 8.19%, which is average.

Institution Statistics

NCUA #19448
Year Chartered1969
Primary Regulator
Assets and Liabilities
Assets$220.23 million
Loans$149.41 million
Deposits$201.23 million
Equity Capital$17.38 million
Loan Loss Allowance$654,000
Unbacked Noncurrent Loans$185,000
Real Estate Owned$0
Historic Data - March 2013
Assets$210.15 million
Equity Capital$16.87 million
Loan Loss Allowance$684,000
Unbacked Noncurrent Loans$185,000
Real Estate Owned$114,000
Profit Margin - Quarterly
Return on Assets0.41%
Return on Equity5.2%
Interest Income$1.58 million

Always verify rates and promotions with the bank or credit union. We are not UT Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

UT Federal Credit Union Savings Account Rates

1.25%$10k-Health Savings
1.00%-$2,500Youth Shares
0.50%--Holiday Club
0.35%--Cumulative IRA
0.35%--Cumulative Roth IRA
0.05%--Regular Shares

UT Federal Credit Union Money Market Rates

0.20%$50k-Money Market

UT Federal Credit Union Checking Account Rates

0.05%--Deluxe Share Draft
0.05%--Generations Gold Share Draft

UT Federal Credit Union CD Rates

0.90%$50k-48 Month CD
0.80%$50k-36 Month CD
0.55%$50k-30 Month CD
0.50%$50k-24 Month CD
0.45%$50k-18 Month CD
0.40%$50k-12 Month CD
0.30%$50k-6 Month CD
0.25%$50k-3 Month CD

UT Federal Credit Union IRA Rates

0.90%$50k-48 Month IRA
0.80%$50k-36 Month IRA
0.55%$50k-30 Month IRA
0.50%$50k-24 Month IRA
0.45%$50k-18 Month IRA
0.40%$50k-12 Month IRA
0.35%$100$2k18 Month Educational IRA
0.30%$50k-6 Month IRA
0.25%$50k-3 Month IRA

UT Federal Credit Union Locations
Branch Office103 Hurt StMartin, TN 38237-2909
Branch Office1924 Alcoa HwyKnoxville, TN 37920-1511
Branch Office707 E Emory RdKnoxville, TN 37938-4614
Branch Office910 Madison AveMemphis, TN 38103
Branch OfficeUniversity Ctr Rm 128 1502 W. Cumberland AvenueKnoxville, TN 37996
Branch Office2100 White AveKnoxville, TN 37916-2216
Branch Office9700 Kingston PikeKnoxville, TN 37922