At a glance
From its website, read 2 Nov 2026Copper Basin Federal Credit Union is a credit union based in Copperhill, Tennessee. Its website describes auto loans, home mortgages and personal loans. Where it lends: Polk County, TN; Fannin, Gilmer and Union Counties, GA. Consumer loan APRs stated on its site range from 4.7% to 9.2%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.cbfcreditunion.com |
| Office (official list) | 771 Ocoee St, Copperhill, TN 37317 |
What their website says about applying
A copy of a valid driver’s license or picture ID
sourceCurrent Proof of Income
sourceLast two years of tax returns
sourceLog in and apply in minutes, right from your phone or computer.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 4.7% APR | As Low as 4.7% APR | source |
| Auto / vehicle loans | Rate: from 5.7% APR | As Low as 5.7% APR | source |
| Personal / consumer loans | Rate: from 9.2% APR | As Low as 9.2% APR | source |
| Personal / consumer loans | Term: up to 5 yr | flexible rates and terms ranging from 90 days to 60 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
To be a member of Copper Basin Federal Credit Union (Not a member yet,
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jul 2026 |
| RSSD ID | 292887 |
| Address | 771 Ocoee St, Copperhill, TN 37317 Directions (Google Maps) |
| Website | www.cbfcreditunion.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Few loan amounts are stated; only a HELOC minimum appears. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | The great deal you need on a new or pre-owned vehicle starts with a Copper Basin Federal Credit Union new or used vehicle loan. | source |
| Home mortgages | — | CBFCU offers in house – Adjustable Rate conventional mortgage loans up to a term of 30 years. | source |
| Personal / consumer loans | — | Copper Basin Federal Credit Union offers signature loans that provide a fast and easy way to get cash when you really need it. | source |
Loan sizes
$5,000 loan minimum
source
Service area
Polk County, TN; Fannin, Gilmer and Union Counties, GA
Our field of membership is a community membership covering Polk County, TN or Fannin, Gilmer, Union County, GA. You are eligible to join the Credit Union if you live, work or worship in any of these counties
source
Counties this matches: Fannin County, GA, Gilmer County, GA, Union County, GA, Polk County, TN
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Learn More & Apply Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.9 million in 3 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as COPPER BASIN (charter 16773). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $68.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 6,302 (as of 30 Jun 2026) |
| Offices | 2 in 2 states (as of 30 Jun 2026) |
Offices by state and county (2)
Tennessee (1 office)
- Polk County (1): 771 Ocoee St, Copperhill 37317 (main office)
Georgia (1 office)
- Fannin County (1): 85 Orvin Lance Dr, Blue Ridge 30513
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Copper Basin Federal Credit Union (NCUA charter 16773, filed as “COPPER BASIN”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $57 million, 4,018 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.2% from $52.2 million on 30 Jun 2025 |
| Members | 6,302 (as of 30 Jun 2026); 5,991 (as of 30 Jun 2025) |
| Loans per member | $9,041 (total loans divided by members, 30 Jun 2026) |
| Total assets | $68.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.4 million | 11.2% |
| Used vehicle loans | $19.4 million | 34.0% |
| First-lien home mortgages (1-4 family) | $16.5 million | 29.0% |
| Other real estate loans (junior liens, other) | $5.8 million | 10.3% |
| Credit cards | $786,773 | 1.4% |
| Other unsecured loans | $3.5 million | 6.1% |
| Leases and other secured loans | $4.5 million | 8.0% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $68.8 million | Larger than 18% of the 11 other certified credit unions in Tennessee (median $182.8 million). |
| Loans as a share of assets | 83% | Median of the same 11 credit unions: 75%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $52.2 million → $57 million (+9%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 9 → 9. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 18% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 9 → 9 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Copperhill and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Cumberland Capital PartnersLoan fund · Cookeville, TNCommercial real estate loans, Equity / venture investment, Small-business loansVerified
Work at Copper Basin Federal Credit Union? Link to this page
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