Upper Cumberland

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.85%	1-year CD	12 Month Term Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.65%	Savings	Wish Account Savings 1.15% - CIT Bank Spring Savings
1.26%	3-year CD	36 Month Term Share Certificate 1.85% - Synchrony Bank 36 Month CD

View all Upper Cumberland rates »

Overview / Commentary

www.ucfcu.org

931-484-9433

627 Livingston Rd
Crossville, TN 38555

Upper Cumberland is headquartered in Crossville and is the 45^th largest credit union in the state of Tennessee. It is also the 2,136^th largest credit union in the nation. It was established in 1935 and as of March of 2017, it had grown to 24 employees and 7,488 members at 3 locations. Upper Cumberland's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Bledsoe, Cumberland or Fentress, Putnam, or White Counties.
See current membership details

Reviews

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Health

B+

Data as of Q1 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Upper Cumberland has a relatively low asset base.

Health Grade Components

Overall
NCUA #	832
Year Chartered	1935
Employees	24
Primary Regulator

Profit Margin
Return on Assets - YTD	0.99%
Return on Equity - YTD	10.96%
Annual Interest Income	$669.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$60.8MM$55.8MM
Loans	Q1 2017vs Q1 2016	$42.5MM$39.0MM
Deposits	Q1 2017vs Q1 2016	$55.2MM$50.7MM
Equity Capital	Q1 2017vs Q1 2016	$5.4MM$4.8MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$86.00K$142.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$103.00K$88.00K
Real Estate Owned	Q1 2017vs Q1 2016	$140.00K$13.00K

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Upper Cumberland Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$100	$10k	Christmas Club
0.75%^*	$100k^*	-	IRA (Variable Rate)
OTHER TIERS: 0.05% → Up to $25k \| 0.15% → $25k - $50k \| 0.35% → $50k - $75k \| 0.50% → $75k - $100k
0.75%^*	$100k^*	-	Roth IRA (Variable Rate)
OTHER TIERS: 0.05% → Up to $25k \| 0.15% → $25k - $50k \| 0.35% → $50k - $75k \| 0.50% → $75k - $100k
0.65%^*	$50k^*	-	Regular Shares
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $10k \| 0.45% → $10k - $25k \| 0.55% → $25k - $50k
0.65%^*	$50k^*	-	Wish Account Savings
OTHER TIERS: 0.25% → $1k - $5k \| 0.35% → $5k - $10k \| 0.45% → $10k - $25k \| 0.55% → $25k - $50k

Upper Cumberland CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	-	-	36 Month Term Share Certificate
1.00%	-	-	24 Month Term Share Certificate
0.85%	-	-	12 Month Term Share Certificate
0.65%	-	-	6 Month Term Share Certificate
0.25%	-	-	3 Month Term Share Certificate

Upper Cumberland IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	36 Month Term IRA Certificate
0.90%	-	-	24 Month Term IRA Certificate
0.80%	-	-	12 Month Term IRA Certificate

Locations

Upper Cumberland Locations
Branch Office	6829 S York Hwy	Clarkrange, TN 38553
Branch Office	627 Livingston Rd	Crossville, TN 38555
Branch Office	9 Southbend Dr	Crossville, TN 38555