When you walk into our lobby, or call us, what makes our credit union different from a bank might not be immediately apparent. While our two types of financial institutions may offer similar products and services, major differences exist in ownership, cost of borrowing money, and in use of services.

Credit unions are not-for-profit and exist to help people. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans. A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union. Credit unions are owned by their members. Each member gets one vote and an equal say in how the credit union is run.

Once a member, always a member. As long as you maintain your savings account, you’re membership will last forever!

Credit unions are full-service, member-owned and not-for-profit financial institutions dedicated to improving members’ lives. Everyone in the community benefits from credit union membership because funds stay local and are put to use throughout the community. Credit unions live out their shared philosophy of “People Helping People”.

The first $5.00 deposited in your savings share (account) will be used to fulfill your membership requirement. This $5.00 makes you an owner of UTFCU, giving you the voting rights and benefits that owners deserve!

Call, click, or visit us to join.

UTFCU is community chartered, which means we are more open than you may think! Membership with UTFCU is open to anyone who lives, works, worships, conducts business, or attends school in the following counties in Tennessee: Anderson, Blount, Knox, Loudon, and Union. Not sure if you will qualify? Give us a call and we’ll talk through it. (865) 971-1971.