Business Details
Your Trusted Partner for Financial Services in Knoxville
At UT Federal Credit Union, we have dedicated ourselves to serving our members with integrity and expertise since our founding. Our team combines decades of experience in financial services with a deep commitment to community development, offering personalized solutions tailored to individual needs. We specialize in a comprehensive range of banking products including checking and savings accounts, loans, credit cards, and investment services, all designed to empower our members' financial success.Backed by rigorous industry standards and a member-first philosophy, we ensure every service we provide meets the highest benchmarks of quality and reliability. Our digital banking tools and educational resources reflect our ongoing innovation to meet modern financial demands while maintaining the trust and transparency that have defined our institution for years.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Services
Credit Cards
Personal Loans
Business Banking
Digital Wallet
Financial Education
Card Alerts
Highlights and features
- We offer competitive rates on certificates and loans through our Relationship Rates program
- Our digital wallet integration provides secure and convenient mobile payments
- Financial education resources help members make informed money decisions
- Personalized service from local professionals who understand community needs
- Comprehensive mortgage suite with pre-qualification options for home buyers
Services
Checking Accounts
Our checking accounts provide flexible access to funds with features like debit cards, online bill pay, and mobile check deposit. We offer multiple account tiers including U Rewards Checking with cashback benefits and no monthly fees for qualified members. Business checking options include higher transaction limits and commercial services.
Savings Accounts
From basic savings to high-yield certificates, our savings products help members grow their money securely. Options include Youth Accounts for teaching financial responsibility, Holiday Club accounts for seasonal savings, and competitive-rate certificates with terms from 7 months to multiple years.
Auto Loans
We offer new and used vehicle loans with competitive APRs and flexible terms. Our Skip a Pay program provides payment relief options, while our digital pre-approval process streamlines car shopping. Loan rates start at 6.84% APR for qualified borrowers with various term lengths available.
Mortgage Services
Our comprehensive mortgage solutions include conventional loans, HELOCs, and home equity loans with rate reduction opportunities. Members can access pre-qualification tools and personalized guidance through our local lending experts. Special programs support first-time homebuyers and refinancing options.
Digital Banking
Our digital platform enables 24/7 account management through mobile apps and online banking. Features include real-time transaction alerts, digital wallet integration, remote check deposit, and secure messaging. Business members access specialized tools for cash management and payroll services.
People
Kenyon Warren
President & CEO
Kenyon Warren brings extensive financial leadership experience to UTFCU, having previously served in senior roles at regional credit unions. He focuses on strategic growth while maintaining our community-first values and commitment to member service excellence.
Questions
How do I join University of Tennessee Federal Credit Union?
Membership requires a $25 minimum deposit to open any account. We serve employees of partner organizations, their families, and residents in designated Tennessee counties.
What digital banking features are available?
Our mobile app offers check deposit, bill pay, card controls, and real-time alerts. You can also use digital wallets for contactless payments and access 24/7 account monitoring.
Do you offer business banking services?
Yes, we provide business checking, savings, loans, and credit cards with specialized features like higher transaction limits and commercial lending options.
What loan types are available for personal use?
We offer auto loans, personal signature loans, student loans, and recreational vehicle financing with competitive rates starting at 6.84% APR.
How can I access mortgage services?
Our mortgage team provides pre-qualification, conventional loans, HELOCs, and home equity products. Visit our website to explore rates or contact local loan officers.
What financial education resources exist?
We provide online calculators, budgeting tools, and educational articles through our Financial Education center to help members make informed money decisions.
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