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Eligibility

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Important information about opening an account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you.

In order to make the application process as easy as possible, please have the following information available for yourself and any joint applicants:

Valid Social Security Number
Date of Birth
Your current address
Your previous address (if you have lived at your home address less than two years)
Valid identification information (including number, issue, and expiration date)
Telephone number
Email address

If you are not a U.S. citizen or are subject to backup withholding, you will not be able to apply online. Please call us at 865-971-1971 or 800-264-1971 or visit a UT Federal Credit Union branch to apply. Branch locations and hours can be found at https://www.utfcu.org.

If you would like to add beneficiaries to your account(s), please also have the following information available regarding your beneficiaries:

Valid Social Security Number
Date of Birth
Address

Membership Requirements

You may become a member of UT Federal Credit Union by opening a Primary Savings Account. A minimum balance of $5 is needed to open a savings account. Once you become a member you will have the opportunity to apply for or use any UT Federal Credit Union services. Please select the following criteria on how you are eligible to join the credit union.

If you do not qualify for membership in one of the following ways, contact UT Federal Credit Union at 865-971-1971 or 800-264-1971 to discuss other eligibility options.

Select your eligibility

Community Relationship

in County.

I am related to a UT Federal Credit Union member.

I am an existing UT Federal Credit Union member.

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Remove

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Required Products

Select at least one of the following products required for membership

Primary Share

The Primary Share establishes your membership at UT Federal Credit Union.

Additional Product Information

APY: 0.05% Min Deposit: $5.00

You may select one of the following products

Available Products

Savings Money Market Certificate Account Checking

Holiday Club

APY: 0.50%

Choice Savings

A savings account designed to let you create special accounts for goals unique to you.

Additional Product Information

APY: 0.05%

Money Market

The Money Market account is tiered to allow you to decide where, when, and how to invest your money. Earn higher yields with the added flexibility to access your money when you need it.

Additional Product Information

Max APY: 0.20% Min Deposit: $0.00

3 Month Certificate

APY: 0.45% Min Deposit: $1,000.00

6 Month Certificate

APY: 0.60% Min Deposit: $1,000.00

12 Month Certificate

APY: 1.50% Min Deposit: $1,000.00

18 Month Certificate

APY: 1.55% Min Deposit: $1,000.00

7 Month Certificate

APY: 3.75% Min Deposit: $5,000.00 Max Deposit: $500,000.00

24 Month Certificate

APY: 1.60% Min Deposit: $1,000.00

23 Month Bump Certificate Promo

APY: 3.25% Min Deposit: $1,000.00

14 Month Certificate

APY: 3.50% Min Deposit: $5,000.00 Max Deposit: $500,000.00

30 Month Certificate

APY: 1.65% Min Deposit: $1,000.00

36 Month Certificate

APY: 1.70% Min Deposit: $1,000.00

48 Month Certificate

APY: 1.75% Min Deposit: $1,000.00

Premier U Plus Checking

APY: 0.05% Min Deposit: $25.00

Premier U Checking

Premier U checking offers all the advantages of Simply U Checking but also pays interest on all balances. Account holders also have access to discounts on airline tickets, cruises, theme parks, movie tickets, and much more! This account has a $5.95 monthly fee.

Additional Product Information

APY: 0.05% Min Deposit: $25.00

Simply U Checking

The Simply U Checking account offers you accessibility, flexibility, and affordability with no minimum deposit balance requirements. This account has no monthly fee if e-Statements are activated.

Additional Product Information

Min Deposit: $25.00

U Rewards High Yield Checking

APY: 3.50% Min Deposit: $25.00

U Rewards Cash Back Checking

Min Deposit: $25.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.05%	0.05%	$0.00	$0.00	N/A
.	0.05%	0.05%	$2,000.00	$0.00	N/A
.	0.10%	0.10%	$10,000.00	$0.00	N/A
.	0.15%	0.15%	$25,000.00	$0.00	N/A
.	0.20%	0.20%	$50,000.00	$0.00	N/A

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Description

Details

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Maturity Date

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We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

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Funding

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Total Deposit

How do you want to fund your new account?

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Transfer From Another Financial Institution (max $3,000.00)

Mail A Check

Internal Transfer

I (we) authorize UT FCU and UT FCU's depository to present this debit to the financial institution and account identified here. This debit shall be at least equal to the amount required to open the selected account. If the debit is returned for insufficient funds I may be assessed a fee which I agree to pay. I understand UT FCU does not charge a fee when I authorize this debit. Subject to UT FCU's right to approve the application selected, this Agreement shall remain in full force until a decision has been made whether to open the account selected. The decision may require UT FCU to use various methods of authentication before accepting this debit authorization. I agree to comply with authentication requests and understand refusal to do so will void my request for an account. I certify the information provided is true to the best of my knowledge and I am authorized to submit such information. I understand I should retain a copy of this authorization for my records.

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This account does not have sufficient balance to cover the total required deposit.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of UT Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

To help process your application faster, use the link below to upload your documents.

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Continue Or Go Back

About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of UT Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

Upload Documents

To help process your application faster, use the link below to upload your documents.

Click or tap here to capture or upload an image or document.

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

Remove

Cancel

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

Have comments

Please answer the following question(s)

Do you want to access your account via Online or Mobile Banking?*

Do you want to receive e-statements?*

Emergency Contact #1: first and last name*

Emergency Contact #1: relationship*

Emergency Contact #1: full address (street/city/state/zip)*

Emergency Contact #1: phone number*

Emergency Contact #2: first and last name*

Emergency Contact #2: relationship*

Emergency Contact #2: full address (street/city/state/zip)*

Emergency Contact #2: phone number*

How did you hear about us?*

If you have selected Other. Please explain.*

Please tell us the name of the person, or company, that referred you (we would like to thank them!)*

Which social media platform did you hear about us on?*

Which type of advertising did you hear about us through?*

Which community event did you hear about us at?*

Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Membership Agreement

E-Consent

Disclosures

Please review the account disclosures and agreements above. These documents contain many of the terms and conditions that will apply to your account(s). Your Truth-in-Savings Disclosure is available to you on the Product Information page when selecting the products that you would like to open. We recommend that you print or save a copy of each of these documents for future reference.

Agreement

After reviewing UT Federal Credit Union's E-Consent and other account disclosures, please print a copy of the disclosures for your records and check the box.

I have read, understand, and agree to UT Federal Credit Union's e-sign disclosure and consent, as well as the other account agreements and disclosures that have been presented to me. I acknowledge that all disclosures related to the account(s) being opened online will be provided to me electronically.

Email Agreements & Disclosures

Your E-mail Address

The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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I Agree Or Go Back

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'Doing Business As' Information

Tell Us About Yourself

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Minor Applicant Information

Joint Applicant Information

Beneficiaries Information

Beneficiaries percent share information page

Other Products

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