Overview / Commentary
931-484-9433
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 1,962nd largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 31 employees and 7,456 members at 4 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.
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Health
B+
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 Chartered1935
Employees31
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD10.57%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$70.5MM$61.9MM
LoansQ3 2018vs Q3 2017$46.4MM$43.1MM
DepositsQ3 2018vs Q3 2017$63.8MM$55.8MM
Equity CapitalQ3 2018vs Q3 2017$6.5MM$5.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$195.00K$104.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$244.00K$170.00K
Real Estate OwnedQ3 2018vs Q3 2017$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 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$100$10kChristmas Club
0.75%*$100k*-IRA Accumulation Account
OTHER TIERS: 0.05% $5 - $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%--36 Month Term Share Certificate
1.20%--24 Month Term Share Certificate
0.90%--12 Month Term Share Certificate
0.75%--6 Month Term Share Certificate

Upper Cumberland IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.56%--36 Month Term IRA Certificate
1.20%--24 Month Term IRA Certificate
0.90%--12 Month Term IRA Certificate
Locations


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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