U. T. Federal Credit Union

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A short history of U. T. FCU

Since its inception in 1969 the U. T. Federal Credit Union has been serving its members in the Knoxville, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Debbie Jones, the U. T. FCU has grown its membership to over 23,034 with assets of more than $263,453,539. They have a main office and 7 branch offices. Please see the credit unions website or contact them by phone at (865) 971-1971 or email them at mservice@utfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Knoxville, TN.

General Information For U. T. FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 19448
Address P.O. Box 51848 
City Knoxville 
State Tennessee 
Zip-Code 37950
Phone Number (865) 971-1971
Fax Number () -
Email Address: mservice@utfcu.org
CEO/President Debbie Jones
Members 23,034 
Full-Time Employees 68 
Part-Time Employees
Number of Branch Offices
Total Assets 263,453,539 
Website http://www.utfcu.org 

Compare U. T. Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Knox Co. Employees CU City County Building 400 W Main St RM 355 37902 (865) 215-2364 No 0.27
Knoxville Law Enforcement CU Knoxville Law Enforcement FCU 501 E Summit Hill Dr 37915 (865) 522-3900 No 0.49
First Choice Community CU First Choice Comm-Mascot 9440 Mascot Rd 37806 (865) 933-7442 No 0.92
Knoxville Teachers CU Clinton 125 Leinart St 37716 (865) 582-2705 No 0.93
City Employees CU WASHINGTON PK BRANCH 5308 WASHINGTON PIKE 37918 (865) 521-2255 No 1.12

U. T. Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

U. T. Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.49 2.69 4.69 4.05 5.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 121 107 289 145 317
Rank Among All Tennessee Credit Unions 8 23 40 26 29

U. T. Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.18 0.20 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 120 318 250
Rank Among All Tennessee Credit Unions N/A 20 19 46 37
U. T. Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.4904,3627,963,672
All Other Unsecured Loans/Lines of Credit 9.9901,5626,405,174
Short-Term, Small Amount Loans (STS) (Federal CU Only) 20.0005122,018
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.6904,57384,949,499
Used Vehicle Loans 4.6901,23210,149,687
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.05059180,344,425
Total Other Real Estate Loans/Lines of Credit 5.75044010,950,685
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.9903094,952,592
TOTAL LOANS & LEASES 13,120205,737,752

U. T. Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 13619,426,118183,626,805
    b. 15 Years or less 37924,518,070343,794,259
    a. > 15 years 1810,016,2902254,000
    b. 15 Years or less 5024,855,55153,002,577
Other Fixed Rate 153100
Adjustable Rate 1 yr or less 488,759150,000
Adjustable Rate > 1 yr 31,439,1061229,235


Closed-End Fixed Rate 1194,143,43823786,470
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3216,807,247372,036,262
Open-End Fixed Rate 0000
TOTALS 1,03191,295,11012113,779,608


Interest Only & Payment Option 1st Mortgage Loans 2279,235279,235
Interest Only & Payment Option Other RE/LOC Loans 2136,189,4842,036,262
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

U. T. Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes