Credit union · NCUA insured
UT Federal Credit Union
A $572.1M credit union headquartered in Knoxville, TN, with 25,612 members and 8 branches in Tennessee. Best rates: savings 0.10% APY.
UT Federal Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#18 of 32 in Knoxville, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About UT Federal Credit Union
UT Federal Credit Union is a member-owned financial institution headquartered in Knoxville, Tennessee.
The community-chartered credit union serves Anderson, Blount, Knox, Loudon, and Union counties in Tennessee.
- Headquarters
- 1512 Coleman Rd, Knoxville, TN 37909
- NCUA charter
- 19448
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This may be incomplete or out of date, so check with the credit union before you apply.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 lives, works, worships, conducts business, or attends school in Anderson, Blount, Knox, Loudon, and Union counties in Tennessee.
Cost to join
- Membership requires an initial share deposit of $5.00 into a savings share account.
Branches
8 branches in Tennessee
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Tennessee
8 branches
Knoxville area · 6
- Springbrook Farm Branch1858 Pauling St, Alcoa, TN 37701Directions
- Emory Rd Branch707 E Emory Rd, Knoxville, TN 37938Directions
- Hospital Branch1924 Alcoa Hwy, Knoxville, TN 37920Directions
- Student Union Branch1502 Cumberland Ave Ste 160, Knoxville, TN 37996Directions
- West Branch9700 Kingston Pike, Knoxville, TN 37922Directions
- White Avenue2100 White Ave, Knoxville, TN 37916Directions
Martin area · 1
- Martin Branch103 Hurt St, Martin, TN 38237Directions
Memphis area · 1
- Memphis Branch910 Madison Ave, Memphis, TN 38103Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.19% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.45% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio9.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.19%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.45%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ 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 UT 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.