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Upper Cumberland Credit Union

Overview
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Upper Cumberland Credit Union is a federal credit union based in Crossville, Tennessee. It has been opened since 1935, for 85 years.

With around $70,760,000 in assets, Upper Cumberland Credit Union is considered to be a large credit union. It has 4 branches and 3 ATM locations.

About
Address Po Box 529
Crossville, Tennessee 38557
Website http://www.ucfcu.org
Phone (931) 484-9433
Fax (931) 707-9842
CEO Denise E. Cooper
President of the Board Jerry Wood, Jr.
Services Offered
Map
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Score Card
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85 years
Years in business
Opened in 1935
Well Capitalized
Net worth classification
Source: NCUA
7,499 members
Membership type: Unknown
Above average number of members
254:1
Credit union member to staff ratio
254 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$70,756,503
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
0.55%
Savings interest rate
Compared to 0.3% nationally
9.65%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
Upper Cumberland Credit Union Branch Locations

Upper Cumberland Credit Union: Clarkrange Branch
6829 S. York Highway
Clarkrange, Tennessee 38553
ATM Available
Upper Cumberland Credit Union: Putnam County Branch
228 E. Broad Street Suite 110
Cookeville, Tennessee 38501
No ATM
Upper Cumberland Credit Union: 627 Livingston Road
627 Livingston Road
Crossville, Tennessee 38555
ATM Available
Upper Cumberland Credit Union: South Branch
9 Southbend Drive
Crossville, Tennessee 38555
ATM Available
Members
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7,499 members
Membership type: Unknown
Above average number of members

With 7,499 members, the Upper Cumberland Credit Union is considered to be a large credit union. It is larger than 65% of credit unions.

Fees
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$152
Average fee per member
The average fee per member at the Upper Cumberland Credit Union is $152, which is very high compared to most credit unions. This rate is higher than 96% 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 Upper Cumberland Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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254:1
Credit union member to staff ratio
254 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
30 staff members
FTE (full-time equivalent)
3% of employees are part-time
29 full-time, 1 part-time

Upper Cumberland Credit Union has 29 full-time staff members and 1 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. Upper Cumberland Credit Union has around 254 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$70,756,503
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.
9.5%
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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$9,296
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 43% of credit unions.

Upper Cumberland Credit Union holds a total of $48,280,000 in loans and leases, which is about $9,296 per member on average.

Savings interest rate
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0.55%
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. Upper Cumberland Credit Union pays 0.55%.

Loan rates
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9.65%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.71%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.51%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.07%
New car loan rate
Compared to 4.0% nationally
5.59%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.16%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.45%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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