Knox County Employees Credit Union
Chartered in 1974, Knox County Employees Credit Union has been providing financial services the Knoxville, TN community for over 50 years.
Contact & Hours Online BankingComprehensive Credit Union Services
Financial solutions tailored to meet your needs at Knox County Employees CU. From personal banking to business accounts, Knox County offers services to help you manage your finances. Despite a recent trend in a 2024 survey by the New York Federal Reserve showing an increase in consumers expecting loan application rejections — with mortgage rejections rising by 5.6 percentage points to 42.0 percent, and auto loans by 1.2 percentage points to 31.8 percent over the past 12 months — credit union members enjoy higher approval rates that defy these national averages.
- Checking and Savings Accounts
- Auto Loans and Mortgage Services
- Investment Advice and Retirement Planning
Your Partner in Financial Growth
At Knox County Employees CU, members are empowered with the financial resources they need to achieve their goals. Explore the range of products and services designed to enhance your financial wellbeing. In fact, according to a 2024 survey by the Bureau of Economic Analysis, Americans have increased their spending by 0.8% and seen a 0.2% rise in disposable personal income over the past year, signaling a positive trend in economic activities that could impact personal financial planning.
- Customized Financial Planning and Analysis
- Secure Online Banking and Mobile App Features
- Exclusive Member Benefits and Discounts
Reviews
Get the Inside Scoop: Knox County Employees CU Member Reviews
Wondering about Knox County Employees CU? Read real reviews from real members! Get the inside scoop on services, features, and the overall member experience.
Member Rating
"Great service and friendly staff" - Jonathan
Community Q&A
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Get Answers & Advice in Our Community!
Stuck on a question about accounts, loans, or anything else? Our vibrant Q&A forum is here to help! Get real-world insights from experienced members and financial experts.
Can't find the answer you're looking for? Don't be shy! Ask your question and let the Knox County Employees CU community guide you.
Benefits
- Get Expert Advice: Connect with knowledgeable members and financial professionals.
- Real-World Insights: Gain practical advice based on real-life experiences.
- Fast Answers: Find solutions to your questions quickly and easily.
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Find Knox County Branch Locations
Explore top-rated credit unions across Tennessee with our comprehensive locator. Whether you're seeking competitive loan rates or exceptional customer service, our tools make it easy to find a credit union tailored to your financial needs in Tennessee.
- Comprehensive directory of Tennessee credit unions
- Filters for services, locations, and member ratings
- Latest updates on rates and special offers from local institutions
Why Choose Knox County Employees Credit Union?
Knox County understands the importance of reliable financial services tailored to your needs. From competitive rates to exceptional customer care, discover how you achieve your financial goals.
- Financial Solutions – Tailor-made services to suit your budget and goals.
- Community Investment – Giving back to the Knoxville community.
- Advanced Security – Ensuring the safety of your financial information.
Knox County Downtime Service Status
Find the status of online banking, mobile app, and the Main Office location at 400 Main Street. Report outages you're experiencing, including login issues and traditional services like ATM or telephone.
- Is Knox County down?
- Is Knox County app down?
Main Office Service Status
All Reports in Past 24 Hours
Membership Eligibility
Who Can Join Knox County Employees Credit Union?
Knox County operates under a state charter in Tennessee, offering comprehensive financial solutions tailored to the residents of Tennessee. With over 1,000 members, Knox County Employees Credit Union offers a wide range of accounts, including Regular Savings (2,000+), Share Draft (600+), Money Market (0+), and Share Certificate (CDs: 46+) accounts.
Financial Snapshot Q4 2023
- Total Assets $11,086,499
- Total Liabilities $9,170,426
- Total Equity $1,916,073
- Total Liabilities, Shares, & Equity $11,086,499
- Net Income (Loss) $91,963
Frequently Asked Questions
To log into online banking for Knox County Employees Credit Union, visit the website and click on the "Online Banking" or "Login" button, typically located at the top right corner.
If you haven't registered for online access yet, look for a "Register" or "Sign Up" option available on the same page.
Available Services
- Bill Payment
- e-Statements
To access your account through online banking, visit the Knox County Employees Credit Union login page.
Yes, Knox County Employees Credit Union provides a variety of mortgage options to fit your needs. Visit the "Mortgages" page on the credit union's website or contact for more details.
Estimate mortgage payments with our Mortgage Calculator.
Empower Yourself: Explore Credit Union Advantages
- Credit Unions vs Banks Benefits
- What is a Credit Union? Not-for-Profit
- How Does a Credit Union Work? Find Out
- How Do I Join a Credit Union? Easy as Pie
- Credit Union Insurance You're Safe
Overview
Established in 1974, Knox County Employees Credit Union proudly calls Knoxville, Tennessee home. For over 50 years, Knox County Employees CU has been a trusted financial partner, boasting a network of 2 branches across the country.
Knox County Employees Credit Union stewards over $11.1 Million in assets and proudly serves over 1,000 loyal members.
With 5 dedicated individuals as of April 2024, Knox County is committed to providing exceptional financial services to its members and the community.
Loan Calculator
Savings Calculator
Nearby Knox County Employees Credit Union Branches
Central Street Branch
Knoxville, TN
Closed Today
Interest Rates
- Competitive Rates and Low Fees: As a not-for-profit institution, Knox County offers better rates and lower fees than many for-profit banks.
Unsecured Credit Card 0.00% Other Unsecured Loans/Lines of Credit 14.00% New Vehicle Loans 5.99% Used Vehicle Loans 6.99%
When exploring financial products such as loans or savings accounts, it's crucial to grasp the concepts of Annual Percentage Rate (APR) and Annual Percentage Yield (APY). These metrics serve as benchmarks for evaluating the true cost of borrowing or the potential returns on savings over a year, respectively.
For instance, a lower APR signifies a more cost-effective borrowing option, as it indicates lower overall expenses associated with the loan. Therefore, borrowers should prioritize selecting loans with the lowest APR to minimize the financial burden and maximize savings in the long run.
For savers, a higher APY translates to greater returns on their deposited funds, facilitating wealth accumulation and financial goals achievement. Hence, individuals seeking to optimize their savings should seek accounts offering competitive APY rates to maximize their earning potential and capitalize on the power of compound interest.
Shorter loan terms often entail higher monthly payments but result in lower total interest expenses over the loan's lifespan. Conversely, longer loan terms yield lower monthly payments but may lead to higher overall interest costs due to prolonged repayment periods.
It's imperative for borrowers to strike a balance between monthly affordability and long-term financial implications when selecting a loan term. By carefully evaluating their budgetary constraints and financial objectives, borrowers can opt for the most suitable term length that aligns with their repayment capacity while minimizing the total cost of borrowing.
