Reasons to Join

People, Not Profits

Credit unions are not regular companies. They are not-for-profit organizations that exist to serve their Members. There are no payments or dividends for outside stockholders as with traditional banks. Instead, any profits are returned to Members in the form of lower rates, higher interest, lower fees, and other credit union discounts.


Credit unions are literally owned by their members. And every member (or shareholder) has an equal say, regardless of how long they’ve been a member or how much money is in their account. Plus, credit unions are governed by a volunteer board of directors, elected by the membership. So members can be very confident that decisions are made based on member needs.


Social Purpose

Credit unions are a great choice for the philanthropically minded. Because the primary purpose of a credit union is service, they are usually very involved in actively helping their communities. If you want to give back to your community, becoming a member of a credit union is a great place to start. Being a part of an organization that focuses on building a thriving community is a clear credit union advantage, and one many members are proud of.





How to Join

DIY Online 

  1. Click the Join Now button below to visit our online application portal. 
  2. Complete the guided process on your screen. 
  3. A member of our Contact Center will reach out to you within 24-48 hours (excluding Sundays) to verify your identity and complete the process.
  4. Your welcome kit and debit card will arrive within 7-10 days! You can also stop by any UTFCU branch to get your card sooner if you'd like. 

Join Now

Visit a Branch

Stop by any UTFCU branch and we'll complete the entire process with you. Bring:

  • Your official government-issued ID
  • Proof of address (only if your current address does not match your ID)
  • Your Social Security card, if possible
  • Your opening deposit

You'll walk away with your opened accounts and an instant-issue debit card.

Locations & Hours

Give us a Call

Give us a call and we'll be happy to help!


  • Monday-Friday (9am-5pm Eastern)
  • Saturday (9am-12noon Eastern)


  • (865) 971-1971
  • (800) 264-1971