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Upper Cumberland

PO Box 529, Crossville, TN 38557
NCUA Insured4.5 (120 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 529

Crossville, TN 38557

Service Area

This credit union is located in Crossville and serves members in the TN area. Currently serving 9,259 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.40%

Used Auto Loan

9.12%

Personal Loan

11.81%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.5

120 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Michael Spicer

Michael Spicer

a year ago

Upper Cumberland Federal Credit Union Southbend Rd branch uses terminal tellers. They are prompt, friendly, and knowledgeable. I had no wait time for my multiple transactions and am very happy with the level of service I received. Thank you!

clancycats

clancycats

2 years ago

So, talk about a bank that instantly treats their customers as criminals. Was with them for a very short amount of time, but this needs to be heard. On day one, I instantly noticed how impersonal the bank was. Thick, bulletproof glass, no face-to-face walk up tellers, you literally get called up to kiosks instead of dealing with someone in person. This is something I would see back in North St Louis. Somehow, I was able to look past all that and still open an account. You get a really low-quality print on demand debit card that doesn’t even have the extra secure tap function, but also have to pay a $15 fee to replace them. The workers always had an attitude whenever I visited. Every little thing seems to have some huge fee, including the closure of our account. It was not worth my time dealing with them at all. I have been to other credit unions that were so much better, friendlier, didn’t charge for every little tiny action. I’ll probably be charged for leaving this review! I really need to act more on first impressions and trust my guts. Would have saved my time from this place.

Randy Bilbrey

Randy Bilbrey

4 months ago

Excellent place to do business I highly recommend

Sven Peterson

Sven Peterson

a year ago

This credit union used to be better please help me out many times in the past but recently I’ve had to pay service charges to pay my loan moved out of state used to be able to call the branch and they would take care of it for me now if I call, there’s a $10 charge so I started to pay it online. All the sudden there was a three dollar charge. I think the interest that I’m paying on my loan is enough. As somebody who is trying to budget and get out of debt, these are annoying And I’ll be looking to consolidate my loan and get it out of there as soon as possible Don’t charge your money for paying back their loans they’re already paying interest on, please

Charlie Bowman

Charlie Bowman

12 months ago

Absolutely the very best service and staff! Been with Upper Cumberland Federal Credit Union since the 80s. Never one problem on their end .

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).