In response to Governor Lee’s newly mandated “Stay at Home” directive, our lobbies will continue to stay closed until further notice. The safety of our employees and members remains our top priority. In addition to our robust online services and mobile app capabilities, our ATMs and Drive-thru lanes will operate under regular business hours.

We appreciate your patience and support during this time as members may experience longer than usual wait times when visiting our drive-thru locations.

Click here to see our hours of operation.

We encourage you to also call our Member Service Line at 615-256-8712 with any questions you may have.

USCCU Assistance for Members

We have developed many assistance programs for our members, both in response to COVID-19 and the devastating tornadoes that impacted US in early March.

90 DAYS No Payments and $100 CASH on Auto Refinances¹

  • Available on Auto Loan Refinances from other financial institutions with a balance of $7,500 or more
  • Rates as low as 2.75% APR
  • Offer Expires May 31, 2020
  • Refinance your Auto Loan HERE

ZERO Fee for Skip-A-Pay²

  • Skip your payment for up to 60 days.
  • Available on existing USCCU loans (not all loans eligible)
  • Must be a USCCU member for at least six months and account must be in good standing
  • Offer expires May 31, 2020
  • Call 615-256-8712 to begin the Skip-A-Pay Process

Raised Mobile Deposit Limits³

  • It is now easier than ever to deposit checks from the safety of your home

0% APR on Credit Card Balance Transfers⁴

  • Plus earn 2.99% APR on purchases for the first 180 days
  • No balance transfer fee
  • Move all your payments under one roof
  • Offer expires May 31, 2020

Earn a $50 Bonus When You Open a Qualifying Checking Account⁵

  • Open a checking account and setup a recurring direct deposit within 60 days
  • Offer expires May 31, 2020
  • Call 615-256-8712 to discuss your new checking account

$2,000 Tornado Relief Loan⁶

  • 0% APR for 12 months
  • First due date in 60 days
  • Must be directly impacted by tornado
  • Offer expires April 30, 2020

We will continue to monitor the impact of COVID-19 throughout our region and provide you with further updates as they become available. We thank you for your membership and trust in US. If you have any questions or concerns, please know we are here to help you. Call us at 615-256-8712 or send us an email at


1. Offer expires May 31, 2020. Excludes all loans currently financed with US Community Credit Union and all USCCU loans made through indirect lending at dealerships. Offer valid on auto loan refinances from other financial institutions only. 3. All auto loans with a balance of $7,500 and over will receive $100 cash upon loan closing. APR = Annual Percentage Rate. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. All loans subject to approval. Rates current as of 3-5-2020. Interest begins accruing upon disbursement of loan. Deferred payment option available upon request.


2. Offer expires May 31, 2020. At this time skipped payments can be made for two consecutive months. The $50 processing fee which is required for each loan payment is currently being waived. Must be a USCCU member for at least six months and account must be in good standing. Not all loans qualify. For a full list of conditions and restrictions, read the Skip-A-Pay Policy and Agreement.


3. Subject to approval. See Terms & Conditions for full disclosure. Data rates may apply. Check with your mobile service provider for specific fees and charges that may apply for mobile data access.


4. Offer expires May 31, 2020. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. All balance transfers are subject to approval. APR is determined at the time of your application. Rates current as of 1/1/2020. Must have a credit score of 680 or higher at the time of your application to qualify. Introductory rate of 0% APR on balance transfers to new USCCU credit cards last 180 days from the day the loan is approved. After 180-day introductory period, your rate will return to original qualifying rate not to exceed 29.95% APR. New purchases on new USCCU credit cards will receive 2.99% APR for 180 days from the day the loan is approved. Minimum balance transfer amount of $500 and maximum amount of $10,000. Offer valid on balance transfers from non-US Community Credit Union credit cards only. Balance transfers do not earn rewards points.


5. Offer only valid for first 90 days after membership origination. Offer is non-transferable. To receive the $50 bonus, you must have a qualifying direct deposit post to your account within 60 days of Six Star, It’s on US, or Scholars Checking Account opening. A qualifying direct deposit consists of a recurring direct deposit of your paycheck, pension, or any other regular monthly income electronically deposited by an employer or an outside agency. Please note, this does not include a transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account. If you meet the requirements stated above, $50 bonus will be credited to your account within six weeks of the first direct deposit posting and will be reported as income on Form 1099-INT. Account must be maintained in good standing and remain open for at least 12 months. Account openings are subject to approval and may be declined based on certain factors.


6. Offer expires April 30, 2020. Rates and terms subject to change. All loans subject to approval and evaluated on a case-by-case basis. Must be able to prove you have been directly impacted by the tornado. Rates current as of 3-5-2020.