UT Federal Credit Union


UT Federal Credit Union was established and chartered on May 15th, 1969 by a small group of University of Tennessee employees looking for a safe place to manage funds for its owners. The “people helping people” philosophy was the foundation of the newly formed cooperative.

There have been many changes at the credit union since its founding half a century ago. UTFCU’s field of membership has expanded from University of Tennessee employees to a community charter (anyone may join), members have increased from 300 to nearly 25,000, assets from $2 million to nearly $350 million, and staff has grown from two part-time employees to 80 full-time team members.

While products, services, locations, and technology also continue to expand, the credit union has strived to stay true to its roots: a cooperative of people helping people.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:

HSA Interest Rates

Interest rates for various balance tiers
$0.01+ 0.10% APY
Last checked on: 09-05-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $1.95*
Account Opening Fee Unknown
Account Closing Fee Unknown

* Keep a minimum monthly balance of $200.00 to avoid a monthly service fee of $1.95.

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 2100 White Avenue
Knoxville, TN 37916

Customer Service

Mailing Address P.O. Box 51848
Knoxville, TN 37950
Phone Number 800-264-1971
Email Address [email protected]