US Community Credit Union

What US Community Credit Union does

US Community Credit Union (USCCU) is a member-owned, federally chartered credit union founded circa 1948 and headquartered at 2622 Old Lebanon Rd, Suite 100, Nashville, Tennessee. Operating under NCUA regulation with deposits insured up to $250,000, the institution employs 51–100 staff and runs multiple Middle Tennessee branches (Bell Road, Hermitage Ave., Donelson, and Mt. Juliet), most recently convening its 78th Annual Meeting in 2026. USCCU is member-owned, not-for-profit, and carries NMLS 363210 with routing number 264081205.

The credit union's product portfolio spans deposits, lending, and wealth management. Deposit products include four checking variants (Six Star, It's on US, Scholars, Flex Rewards) and a broad savings menu (Regular, High Yield, Money Market, Certificates, Emergency Fund, Kickstart, Club, Youth), plus IRAs and 529 Plans for retirement and education. Lending products cover auto loans (starting at 5.59% APR), mortgages, HELOCs (introductory 4.99% APR for 12 months in Tennessee only), credit cards (13.25% APR with a CURewards program), recreational, student, business, and personal loans. A dedicated Wealth Management division provides Insurance Planning, Financial Planning, and Asset Management. Digital delivery runs through an iOS/Android mobile app, an online banking portal at my.usccu.org, and a 24-hour automated telephone teller; payments integrate Zelle, Visa, Apple Pay, and Google Pay, while member-facing services include instant-issue debit cards, fraud monitoring, ID theft protection, skip-a-pay hardship programs, and credit counseling. USCCU participates in the CO-OP Shared Branch Network for national physical access.

USCCU generates revenue primarily through net interest margin on its loan portfolio, supplemented by transaction-related fees (overdraft protection, wire transfers, skip-a-pay), certificate and deposit spreads, recurring fees from wealth management, insurance, and ID protection services, and interchange through Visa debit cards. Go-to-market is direct-to-consumer and community-based: employer and government partnerships (notably a dedicated Metro Nashville government employee program), school financial literacy programs, branch-based acquisition, and promotional campaigns. The 2026 "Financial Freedom: America 250 Celebration" — pairing $250 new-member cash bonuses, 0.25% auto-loan discounts, and limited-time certificates (1776 Freedom 3.90% APY, Liberty Bell 3.76% APY, plus a 12-month 4.06% APY holiday special) — exemplifies the institution's reliance on targeted rate and bonus promotions to drive member acquisition and deposit gathering.

Name

US Community Credit Union

Legal name

US Community Credit Union

Website

https://usccu.org

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

51–100 employees

Short description

US Community Credit Union (USCCU) is a member-owned, NCUA-chartered credit union based in Nashville, Tennessee, providing retail and small business banking, lending, and wealth management services to Middle Tennessee consumers through branch, mobile, and online channels.

Ownership category

akta.pro rank

Product category

Retail Banking / Consumer Financial Services (Credit Union)

NAICS

Credit Unions (52213), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institution, Federally Chartered (6035), National Commercial Banks (6021)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Retail banking services
• Consumer lending products
• Credit union deposits
• Community banking
• Wealth management services

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Loans: The credit union generates revenue primarily through interest charged on loans including auto loans, mortgages, home equity loans, credit cards, and personal loans. Rates vary by product with auto loans starting at 5.59% APR and credit cards at 13.25% APR.
2. Deposit Interest Payments: The credit union pays interest on member deposits including checking accounts, savings, money market accounts, and certificates. Current special rates include 3.90% APY on 17-month Freedom Certificate and 3.76% APY on 25-month Liberty Bell Certificate.
3. Financial Services Fees: Fees generated from services such as overdraft protection (Courtesy Pay), skip-a-pay options, wire transfers, and other banking services.
4. Wealth Management Services: Revenue from financial planning, insurance planning, and asset management services offered through the wealth management division.
5. Insurance and ID Protection Services: Fees from insurance services, identity theft protection, and fraud protection offerings.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

US Community Credit Union is a member-owned, not-for-profit financial cooperative that delivers retail banking services to individuals, students, and small businesses in Middle Tennessee. Its core offerings include checking accounts, savings accounts, certificates/IRAs/529 plans, and a full lending suite (auto, mortgage, home equity, credit card, recreational, student, and business loans), complemented by wealth management, insurance, identity-theft protection, and 24/7 digital banking through mobile app, online portal, Zelle, and the CO-OP shared branch network.

Product overview

US Community Credit Union offers a comprehensive suite of financial products organized around checking and savings accounts, lending services, and wealth management. The core banking platform includes multiple checking account variants (Six Star Checking, It's on US Checking, Scholars Checking, Flex Rewards Checking) and savings options (Regular Savings, High Yield Savings, Money Market, Certificates, Emergency Fund, Youth Savings, Club Accounts, Kickstart). Lending products span auto loans, mortgage loans, home equity products, credit cards with CURewards, recreational loans, student loans, and business banking services. Add-on services include wealth management with insurance and financial planning, fraud and ID theft protection, mobile and online banking access, budget credit counseling, and educational resources. The product portfolio serves individual consumers, students, and business members across Middle Tennessee.

Differentiator

Problem solved

Functional benefit

Brands

• USCCU Rewards: Credit card rewards program offering CURewards points for cardholders.
• Six Star Checking
• It's on US Checking
• Scholars Checking
• Flex Rewards Checking

Products and services

• Six Star Checking

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• CO-OP Shared Branch NetworkcoreChannel Partner/ Reseller/ DistributorUSCCU participates in the CO-OP shared branch network, allowing members to access branch services at thousands of credit unions nationwide. This partnership extends the credit union's physical presence beyond its own branch locations.
• Metro Government of NashvillecoreGTM or Marketing PartnerDedicated banking services and potentially preferential terms for Metro government employees, evidenced by a dedicated Metro Employees page on the USCCU website.
• Monroe Carrell Jr. Children's Hospital at VanderbiltminorOthersUSCCU has raised $750,000 for the Children's Hospital through fundraising efforts, demonstrating community commitment and partnership with local healthcare institutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Ascend Federal Credit Union: Largest credit union in Tennessee with statewide consumer and business offerings. Overlaps USCCU's core products and region, but at significantly larger scale and broader geographic reach.
• First Horizon Bank: Tennessee-headquartered regional commercial bank with consumer and small business banking in Nashville. Comparable as a Middle Tennessee deposit and small-business competitor, but operated as a regulated bank rather than a cooperative.
• Pinnacle Financial Partners: Nashville-based regional bank with consumer and business banking in Middle Tennessee. Competes for the same local deposit and small-business relationships that USCCU targets, but as a publicly traded bank.

Direct peers

• SchoolsFirst Federal Credit Union: Large community-focused, member-owned credit union offering checking, lending, and wealth services with strong digital channels. Comparable in cooperative model and full-service retail offering, scaled to a larger membership base.
• Cornerstone Financial Credit Union: Tennessee-based community credit union serving consumers and small businesses with checking, savings, loans, and digital banking. Highly comparable to USCCU in membership-based retail/community model and Middle Tennessee footprint.
• Tennessee Valley Federal Credit Union: Tennessee-headquartered community credit union offering consumer and business banking across multiple branches. Comparable as a regional member-owned institution serving similar customers to USCCU.
• Heritage Community Credit Union: Community credit union headquartered in Nashville serving Middle Tennessee with personal and business banking products. Directly comparable by geography, member-owned structure, and product mix.
• ORNL Federal Credit Union: Tennessee-based member-owned credit union with consumer deposit, lending, mortgage, and wealth products. Comparable footprint and product portfolio to USCCU, though with distinct employment/affinity roots.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/uscommunitycu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about US Community Credit Union