UTFCU accepts payments by mail, phone, online, and in person. You may be able to utilize tools like External Transfer and ACH to make payments as well. If you are paying cash, you must visit a branch to make your payment. Call us at (865) 971-1971 to learn more or update your payment information.

We can establish membership during the loan application process.

Yes, we proudly offer an entire suite of mortgage options. Learn more here.

Yes, we have an award-winning business suite. Check out the Business tab here on our website.

UTFCU members can utilize our partnership with Sallie Mae for student loans. Learn more by visiting our Student Loan page.

Loans can be applied for in-branch, online, or via phone at (865) 971-1971.

Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you’ll also keep an eye on identity theft.

A signature loan is a loan without material collateral such as a car or home. You can use this loan for just about any purpose. Click here to learn more.

We offer a full suite of personal and business loans. Explore our website, visit a branch, or call (865) 971-1971 to learn more.