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Our Mission & History

Mission Statement

"Helping people who live or work in Bledsoe, Cumberland, Fentress, Putnam, and White County achieve their lifestyle choices by providing quality services"

Membership Availability 

Membership is open to anyone who physically lives, works, worships, or attends school in one of the following Tennessee counties: Bledsoe, Cumberland, Fentress, Putnam, White
We are respectful, ethical, and trustworthy in all that we do. We are accountable for our actions and behaviors.

We are committed to make a difference in our members' financial lives and to improve the welfare of all in our community. 

We value others time, skills, views, and contributions with professionalism and dignity. We respect the importance of relationships and influences in each other's lives therefore promoting the balance between work and personal life. 

We are committed to investing in the development of our employees, our members and our communities' education and financial knowledge. 

We embrace innovation and change as a means of renewal and continuous improvement and growth. 
Year 1935
Upper Cumberland Federal Credit Union was chartered with the purpose of serving the employees of the Carter Ink Company in Massachusetts. The original name of the credit union was Carter Inx Folx Federal Credit Union. As the Carter Ink Company expanded, an ink manufacturing plant was built in Crossville, Tennessee. 

Year 1978
Over a period of years, the Carter Ink Company was purchased by Dennison Manufacturing. The Dennison Manufacturing Company was already sponsoring a credit union of their own, so it was agreed to move the Carter Inx Folx FCU into the office of the local Carter Ink Manufacturing plant in Crossville, Tennessee. At that time the credit union assets were just over $480,000. The new, local board of directors hired one employee to operate the entire credit union. 

Year 1990
The credit union had grown large enough that more office space was needed than the Dennison Carter company could provide so the credit union moved into their own building on West Avenue in Crossville, Tennessee. Growth continued as local employers joined the credit union because they wanted to offer their employees credit union benefits such as low cost loans and good dividends. 

Year 1995
The credit union was granted a community charter so that retirees moving to Crossville would have an option to use a local credit union. The credit union changed their name to Upper Cumberland Federal Credit Union. 

Year 2001
Upper Cumberland FCU moved into a new facility at 627 Livingston Road to give members a central location in Crossville for financial transactions with plenty of parking, a three lane drive-thru, and ATM services. 

Year 2002
Upper Cumberland FCU was approved to open membership to citizens of Bledsoe and Fentress County. 

Year 2007 
A branch office was opened in Fentress County in the Clarkrange community with full services including drive-thru and ATM. Shared Branch services was also offered to all members so they could connect to their finances at thousands of credit unions across the United States. 

Year 2014
Upper Cumberland Federal Credit Union and MedEd Credit Union merge assets to provide the community a $49 million local financial institution. The credit union now serves over 7,000 member-owners. 

Year 2015
Upper Cumberland FCU was approved to open membership to citizens of Putnam and White County. 

A new branch office was opened at 9 Southbend Drive in Crossville across from the Covenant/CMC hospital. This additional location also offers three drive-thru lanes, ATM, two sit-down member service offices, and three private teller stations. 

Year 2017
Members have several convenient choices on how to conduct financial transactions: 

  • UCFCU physical credit union branches (two in Cumberland County, one in Fentress County) for personal service. 
  • Over 5,000 Shared Branch locations and CO-OP ATM's throughout the country. These locations help when traveling, on vacation, working away from home, attending college, or moving to another part of the country. 
  • ATM card, debit card, credit union credit card. 
  • Home Banking, Bill Pay, Mobile Deposit. 
  • E-Signature available on most loan products 
  • Direct Deposit and payroll deduction
  • Many more convenient services available - Call 931-484-9433
Year 2018
A new lending branch office was opened in the heart of Cookeville just off the courthouse square. The branch is located at 228 E. Broad Street, Suite 110, Cookeville, TN 38501. This location primarily operates as a full service loan office. They also open new accounts and members can sign up for convenient services such as home banking, eStatements, bill pay, mobile deposit, ATM and debit cards.
Year 2024
The credit union will transfer the Cookeville branch location from 228 E. Broad Street to 1515 Interstate Drive. The new location will feature a three-lane drive-thru, ATM, four teller stations, and three loan offices. The credit union also offers convenient 24/7 home banking, remote deposit, Christmas club, Individual Retirement Accounts, 12 month – 36 month Share Certificates, bill pay, debit cards, and a variety of checking account and saving options.

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