Credit union · NCUA insured
Copper Basin Federal Credit Union
A $69.4M credit union headquartered in Copperhill, TN, with 6,181 members and 2 branches in 2 states. Best rates: CDs 2.52% and savings 0.50% APY.
Copper Basin Federal Credit Union Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#6 of 9 in Cleveland, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Copper Basin Federal Credit Union
Established in 1965 as a cooperative for workers of Cities Service in Copperhill, Tennessee, Copper Basin Federal Credit Union is owned by its members.
The credit union serves a community field of membership covering Polk County in Tennessee along with Fannin, Gilmer, and Union counties in Georgia.
- Headquarters
- 771 Ocoee St, Copperhill, TN 37317
- NCUA charter
- 16773
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Polk County, TN, or Fannin, Gilmer, or Union County, GA are eligible to join.
Family and household
- Immediate relatives of any existing CBFCU member are eligible to join.
Cost to join
- A deposit of $5.00 is required to open a Credit Union Share (Savings) Account and establish membership.
Branches
2 branches in 2 states
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Georgia
1 branch
- Copper Basin Federal Credit Union85 Orvin Lance Dr, Blue Ridge, GA 30513Directions
Tennessee
1 branch
- Copper Basin Federal Credit UnionMain office771 Ocoee St, Copperhill, TN 37317Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.65% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.36% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $97 | $59 | — |
- CapitalNet worth ratio12.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.65%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.36%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$97Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Copper Basin Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.