Credit union · NCUA insured
Upper Cumberland Federal Credit Union
A $138.1M credit union headquartered in Crossville, TN, with 9,373 members and 4 branches in Tennessee.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Upper Cumberland Federal Credit Union
Chartered in 1935 as Carter Inx Folx Federal Credit Union, Upper Cumberland Federal Credit Union originally formed to serve Carter Ink Company employees in Massachusetts.
After relocating to Crossville, Tennessee in 1978 and adopting its current name in 1995, the credit union merged with MedEd Credit Union in 2014.
Today, the member-owned institution serves individuals who live, work, worship, or attend school across five Tennessee counties.
- Headquarters
- 627 Livingston Rd, Crossville, TN 38555
- NCUA charter
- 832
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who physically lives, works, worships, or attends school in Bledsoe, Cumberland, Fentress, Putnam, or White County, Tennessee.
Family and household
- Family members may join as long as they physically live, work, worship, or attend school in Bledsoe, Cumberland, Fentress, Putnam, or White County.
Cost to join
- There is a $25.00 charge to become a member of Upper Cumberland FCU.
- There is a monthly membership fee of $5.00, which can be avoided by meeting specific account or activity conditions.
Branches
4 branches in Tennessee
Loading map…
Tennessee
4 branches
Crossville area · 2
- 627 Livingston RoadMain office627 Livingston Rd, Crossville, TN 38555Directions
- South Branch9 Southbend Dr, Crossville, TN 38555Directions
Clarkrange area · 1
- Clarkrange Branch6829 S York Hwy, Clarkrange, TN 38553Directions
Cookeville area · 1
- Putnam County Branch1515 Interstate Dr, Cookeville, TN 38501Directions
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 | 9.92% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.22% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio9.92%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.22%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Upper Cumberland 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.