Upper Cumberland

Overview / Commentary
627 Livingston Rd
Crossville, TN 38555

Upper Cumberland is headquartered in Crossville and is the 42nd largest credit union in the state of Tennessee. It is also the 1,935th largest credit union in the nation. It was established in 1935 and as of June of 2019, it had grown to 31 employees and 7,596 members at 4 locations. Upper Cumberland's savings rates are 44% 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


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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

NCUA #832
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD10.48%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$73.5MM$67.9MM
LoansQ2 2019vs Q2 2018$50.0MM$44.6MM
DepositsQ2 2019vs Q2 2018$66.2MM$61.3MM
Equity CapitalQ2 2019vs Q2 2018$7.1MM$6.3MM
Loan Loss AllowanceQ2 2019vs Q2 2018$284.00K$173.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$116.00K$173.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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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

1.25%$100$10kChristmas Club
0.85%*$100k*-IRA Accumulation Account
OTHER TIERS: 0.10% $5 - $25k | 0.20% $25k - $50k | 0.40% $50k - $75k | 0.60% $75k - $100k
0.75%*$50k*-Regular Shares
OTHER TIERS: 0.25% $1k - $5k | 0.35% $5k - $10k | 0.55% $10k - $25k | 0.65% $25k - $50k
0.75%*$50k*-Wish Account Savings
OTHER TIERS: 0.25% $1k - $5k | 0.35% $5k - $10k | 0.55% $10k - $25k | 0.65% $25k - $50k

Upper Cumberland CD Rates

1.76%--36 Month Term Share Certificate
1.51%--24 Month Term Share Certificate
1.10%--12 Month Term Share Certificate
0.75%--6 Month Term Share Certificate

Upper Cumberland IRA Rates

1.76%--36 Month Term IRA Certificate
1.51%--24 Month Term IRA Certificate
1.10%--12 Month Term IRA Certificate

Upper Cumberland 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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