Upper Cumberland

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.10%	1-year CD	1.37% - National Average
0.75%	Savings	0.26% - National Average
1.76%	3-year CD	1.87% - National Average

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 42^nd largest credit union in the state of Tennessee. It is also the 1,952^nd largest credit union in the nation. It was established in 1935 and as of December of 2018, it had grown to 29 employees and 7,499 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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Health

B+

Data as of Q4 2018

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	29
Primary Regulator

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	10.88%
Annual Interest Income	$3.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$70.8MM$63.7MM
Loans	Q4 2018vs Q4 2017	$48.3MM$43.1MM
Deposits	Q4 2018vs Q4 2017	$63.5MM$57.6MM
Equity Capital	Q4 2018vs Q4 2017	$6.7MM$6.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$200.00K$135.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$107.00K$188.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

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
1.25%	$100	$10k	Christmas 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
1.76%	-	-	36 Month Term IRA Certificate
1.51%	-	-	24 Month Term IRA Certificate
1.10%	-	-	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
Branch Office	228 E Broad St Ste 110	Cookeville, TN 38501

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