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U. T.

P.O. Box 51848, Knoxville, TN 37950
NCUA Insured4.5 (41 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1969

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

Location & Directions

Address

P.O. Box 51848

Knoxville, TN 37950

Service Area

This credit union is located in Knoxville and serves members in the TN area. Currently serving 25,742 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

6.39%

Used Auto Loan

7.64%

Personal Loan

11.99%

Credit Card APR

11.99%

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(10 total)

Member Reviews

4.5

41 Google reviews

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

View on Google Maps
judy karnes

judy karnes

a month ago

We had the privilege of meeting Angel Fields (Community Partnership Manager) this week. We are the residents at First Creek at Austin Phase III. She was professional and had very important information for us as well as having some tasty snacks. Thank you so much for letting her come to our homes and preparing us for what we could face with all the fraud, scams and phishing happening in our lives. Each and everyone of us was left with a sense of comfort with the knowledge she shared. Sincerely, Judy Karnes

Kristi Cook

Kristi Cook

6 months ago

The best credit union, hands down! Brittany took a chance on me after a few years of bad luck and being the only source of income for four years. Refinanced my car and was also able to purchase another vehicle a few months later. My credit score has increased tremendously and I owe it all to UTFCU. All of our money has now been moved over to the one who took the time to understand my situation.

SOURCE MATERIAL NOW WE NEWS

SOURCE MATERIAL NOW WE NEWS

11 months ago

We've been doing business with UT Federal Credit Union for a decade+ and it's truly been a family experience from day one. Every question has been answered/explained with love and kindness. We highly recommend UT Federal Credit Union for all your banking needs, join the family today!

Davie Saccullo

Davie Saccullo

a year ago

Taylor, Angel and everyone at UT Federal Credit Union have been an absolute pleasure to work with! We have done three seamless loans with them and they are very helpful with any questions we have and are always communicative with us! We have never worked with a bank that has ever been so personable and diligent with helping their customer like UT Federal, specifically Taylor and Angel!

Erica Lindsey

Erica Lindsey

11 months ago

I have been with the UT CREDIT UNION for about 16 years and they have always been super kind and helpful!! This past week I had to figure out account business and Brittney was super helpful and got the job done! I really appreciate this type of service.

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).