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Upper Cumberland Federal Credit Union


Overview / Commentary
www.ucfcu.org
931-484-9433
627 Livingston Rd
Crossville, TN 38555

Upper Cumberland Federal Credit Union is headquartered in Crossville and is the 42nd largest credit union in the state of Tennessee. It is also the 1,922nd largest credit union in the nation. It was established in 1935 and as of December of 2019, it had grown to 32 employees and 7,642 members at 4 locations. Upper Cumberland Federal Credit Union 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.
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Health
B+

Data as of Q4 2019

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 Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #832
Year Chartered1935
Employees32
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD10.11%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$74.7MM$70.8MM
LoansQ4 2019vs Q4 2018$52.2MM$48.3MM
DepositsQ4 2019vs Q4 2018$67.0MM$63.5MM
Equity CapitalQ4 2019vs Q4 2018$7.4MM$6.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$310.00K$200.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$187.00K$107.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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 Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$100$10kChristmas Club
0.30%*$50k*-Regular Shares
OTHER TIERS: 0.10% → $1k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k
0.30%*$50k*-Wish Account Savings
OTHER TIERS: 0.10% → $1k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k
0.30%*$100k*-IRA Accumulation Account
OTHER TIERS: 0.05% → $5 - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $75k | 0.25% → $75k - $100k

Upper Cumberland Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--36 Month Term Share Certificate
0.75%--24 Month Term Share Certificate
0.50%--12 Month Term Share Certificate
0.25%--6 Month Term Share Certificate

Upper Cumberland Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--36 Month Term IRA Certificate
0.75%--24 Month Term IRA Certificate
0.50%--12 Month Term IRA Certificate
Locations


Upper Cumberland Federal Credit Union Locations
Branch Office6829 S York HwyClarkrange, TN 38553
Branch Office627 Livingston RdCrossville, TN 38555
Branch Office9 Southbend DrCrossville, TN 38555
Branch Office228 E Broad St Ste 110Cookeville, TN 38501

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