Member Rates

Loan Rates

Risk-Based

Rates as of March 1, 2017.

Rates are subject to change daily and without notice Call 931-484-9433, extension 120 for current rates.

YR 2017 - 2012 Auto's, Street Motorcycles, Campers, and Recreational Vehicles

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Older Model Vehicles (Call Credit Union for rates)

Loan Rates Subject to an 18.00% APR Rate Ceiling

 More on Consumer Loans...

Credit Rating A+ (APR*) A (APR*) B (APR*) C (APR*)
0 - 60 months 3.90% 4.90% 6.90% 9.25%
61 - 83 months 4.25% 5.25% 6.90% 9.50%
84 and higher months 4.50% 5.50% 7.50% 9.50%

*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649.


Mortgage (Home Loans)

 More on Mortgage Loans...

Call for GREAT Mortgage Rates!
Mortgage rates can change daily. To check out our GREAT Mortgage Rates call the Crossville staff at 931-484-9433 and dial extension 124 or extension 105. Several loan options are available. Mortgage financing terms range from 5 years to 30 years. Our staff are ready to help you through the home loan process!

Land Loans

Credit Rating A+ (APR*) A (APR*) B (APR*) C (APR*) D (APR*)
120 months 5.75% 6.75% 8.50% 9.50% 10.50%
144 months 6.00% 7.00% 8.75% 9.75% 10.75%
180 months 6.00% 7.00% 9.00% 10.00% 11.00%

*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649, D = 550-599.

90 Day Term Note

Credit Rating A+ (APR*) A (APR*) B (APR*) C (APR*) D (APR*)
90 days 8.50% 9.50% 10.50% 15.00% 18.00%

*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649, D = 550-599.

Personal Loan - New 4-Wheeler - New Lawn Mowers
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Credit Rating A+ (APR*) A (APR*) B (APR*) C (APR*)
0 - 60 months 7.90% 9.90% 14.90% 14.90%

*APR equals Annual Percentage Rate
Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600-649.

Line Of Credit (Unsecured)
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Apply for the MasterCard Today

Type APR*
MasterCard Credit Card 11.90%
Personal Line-of-Credit 9.90%
EZ Line-of-Credit 18.00%
Credit Builder Loan 12.00%

*APR equals Annual Percentage Rate

Variable Rate Home Equity Mortgage

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Upper Cumberland Federal Credit Union is federally insured by the National Credit Union Administration.
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Routing #264182337
NCUA EHL America's Credit Unions