Member Services

Investment Options

Share Certificates

Term Certificates can be set up on 3, 6, 12, 18, 24, and 36 month terms. The minimum deposit to a UCFCU Share Certificate is only $500.00.

*Traditional IRA’s

Contributions to a traditional IRA are tax-deductible until you start withdrawing the funds at the minimum age requirement. This is also the account most people roll over money from other qualified retirement accounts (such as a 401k).

*Roth IRA’s

Contributions are not tax-deductible. Instead, earnings may grow tax-free as long as you follow IRA guidelines on the length of time you must keep the funds deposited.

*UCFCU encourages all members to consult with their professional tax advisor when deciding which Individual Retirement Account is the right investment.


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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