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Ascend Credit Union

Overview
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Ascend Credit Union is a federal credit union based in Tullahoma, Tennessee. It has been opened since 1951, for 69 years.

With around $2,472,090,000 in assets, Ascend Credit Union is considered to be a very large credit union. It has 28 branches and 19 ATM locations.

About
Address Po Box 1210
Tullahoma, Tennessee 37388
Website http://www.ascendfcu.org
Phone (800) 342-3086
CEO Caren C. Gabriel
President of the Board Anthony Taylor
Services Offered
Map
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Score Card
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69 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
200,946 members
Membership type: Multiple common bond – primary military
Above average number of members
375:1
Credit union member to staff ratio
375 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$2,472,090,437
Total assets
Above average
28 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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28 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
Ascend Credit Union Branch Locations

Ascend Credit Union: Hendersonville
303 Sourth Parrish Pl
Hendersonville, Tennessee 37075
ATM Available
Ascend Credit Union: Charlotte
1901 Charlotte Avenue
Nashville, Tennessee 37203
ATM Available
Ascend Credit Union: La Vergne
231 Waldron Road
La Vergne, Tennessee 37086
ATM Available
Ascend Credit Union: Murfreesboro Main
2316 East Main Street
Murfreesboro, Tennessee 37130
ATM Available
Ascend Credit Union: Nashville West
6800 Charlotte Pike
Suite 104
Nashville, Tennessee 37209
No ATM
Ascend Credit Union: Nashville Elm Hill
2600 Elm Hill Pike
Nashville, Tennessee 37214
ATM Available
Ascend Credit Union: Administrative Office
520 Airpark Drive
Tullahoma, Tennessee 37388
No ATM
Ascend Credit Union: Columbia
981 W. James M. Campbell Boulevard
Columbia, Tennessee 38401
ATM Available
Ascend Credit Union: Franklin County
2459 Decherd Boulevard
Winchester, Tennessee 37398
ATM Available
Ascend Credit Union: Lewisburg
1372 Rock Crusher Road
Lewisburg, Tennessee 37091
ATM Available
Ascend Credit Union: Manchester
1929 Mcarthur Street
Manchester, Tennessee 37355
ATM Available
Ascend Credit Union: Murfreesboro-Church Street
750 S. Church Street
Murfreesboro, Tennessee 37130
ATM Available
Ascend Credit Union: Tullahoma
1611 North Jackson Street
Tullahoma, Tennessee 37388
ATM Available
Ascend Credit Union: Mufreesboro-Victory Station
4051 Franklin Road
Murfreesboro, Tennessee 37128
ATM Available
Ascend Credit Union: Mt. Juliet
300 Pleasant Grove Road
Mount Juliet, Tennessee 37122
ATM Available
Ascend Credit Union: Shelbyville
1900 North Main Street
Shelbyville, Tennessee 37160
ATM Available
Ascend Credit Union: Dickson
412 Thornton Drive
Dickson, Tennessee 37055
No ATM
Ascend Credit Union: Smyrna
769 Nissan Drive
Smyrna, Tennessee 37167
ATM Available
Ascend Credit Union: Genesco Park
1415 Murfreesboro Pike Suite 148
Nashville, Tennessee 37217
No ATM
Ascend Credit Union: Cool Spring
3150 Aspen Grove Drive
Franklin, Tennessee 37067
ATM Available
Ascend Credit Union: Mcminnville
1410 Sparta Street
MC Minnville, Tennessee 37110
ATM Available
Ascend Credit Union: Arnold Air Force Base
452 North Hap Arnold Drive
Arnold Afb, Tennessee 37389
ATM Available
Ascend Credit Union: Murfreesboro-Clark Boulevard
1250 W. Clark Boulevard
Murfreesboro, Tennessee 37129
ATM Available
Ascend Credit Union: Nashville Melrose
810 Gale Lane Suite 106
Nashville, Tennessee 37204
No ATM
Ascend Credit Union: Spring Hill
1002 Crossings Boulevard
Spring Hill, Tennessee 37174
No ATM
Ascend Credit Union: Cookeville
1265 Interstate Drive Suite 107
Cookeville, Tennessee 38501
No ATM
Ascend Credit Union: Nashville Hermitage
5502 Old Hickory Boulevard
Hermitage, Tennessee 37076
No ATM
Ascend Credit Union: Gallatin
Nashville Pk
Gallatin, Tennessee 37066
No ATM
Ascend Credit Union: Brentwood
782 Old Hickory Boulevard
Suite 101
Brentwood, Tennessee 37027
No ATM
Members
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200,946 members
Membership type: Multiple common bond – primary military
Above average number of members

With 200,946 members, the Ascend Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 98% of credit unions.

Fees
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$91
Average fee per member
The average fee per member at the Ascend Credit Union is $91, which is very high compared to most credit unions. This rate is higher than 80% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Ascend Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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375:1
Credit union member to staff ratio
375 per each FTE employee
Compared to 411:1 nationally
Average number of staff
536 staff members
FTE (full-time equivalent)
3% of employees are part-time
527 full-time, 18 part-time

Ascend Credit Union has 527 full-time staff members and 18 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Ascend Credit Union has around 375 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$2,472,090,437
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
16.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$15,647
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 82% of credit unions.

Ascend Credit Union holds a total of $1,981,910,000 in loans and leases, which is about $15,647 per member on average.

Savings interest rate
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0.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Ascend Credit Union pays 0.25%.

Loan rates
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9.50%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.85%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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5.50%
New car loan rate
Compared to 4.0% nationally
5.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally