Biller name
Upper Cumberland Electric Membership Corporation
HQ: Carthage, TN
Legal name
Upper Cumberland Electric Membership Corporation
Website
Deferit is unaffiliated with Upper Cumberland Electric Membership Corporation
Deferit can pay your Upper Cumberland Electric Membership Corporation bill now, and you pay it later.1
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Monthly membership applies, cancelable anytime. All payments incur a processing fee.
How to pay Payment methods Support FAQ
Need to split your Upper Cumberland Electric Membership Corporation bill into installments?
Retrieved July 2026 · Source: ucemc.com.
| Upper Cumberland Electric Membership Corporation payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Upper Cumberland Electric Membership Corporation's online account, payment portal, or customer support team for available payment arrangement options. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | If Upper Cumberland Electric Membership Corporation offers payment arrangements, limits are set by Upper Cumberland Electric Membership Corporation based on your account status. We couldn't verify a published maximum split. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by Upper Cumberland Electric Membership Corporation at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | Fees and interest were not published in the sources reviewed. Check Upper Cumberland Electric Membership Corporation's payment portal or support team before setting up an arrangement. | Monthly Deferit membership plus a $0.99 processing fee per payment. No late fees on eligible Deferit memberships.* |
| If you miss a payment | Missed-payment consequences are set by Upper Cumberland Electric Membership Corporation and may include late fees, service interruption, or collection activity depending on your account. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | Upper Cumberland Electric Membership Corporation bills only | Upper Cumberland Electric Membership Corporation and most other US household bills |
| Learn more → |
*Deferit membership is $14.99 (Lite), $19.99 (Max) or $24.99 (Ultra) a month, plus a processing fee per payment. No late fees feature included with Max and Ultra memberships. Installments on the Lite membership may incur late fees if overdue. See membership terms for details.
Upper Cumberland Electric Membership Corporation Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 800-261-2940 |
Retrieved July 2026 · Source: ucemc.com/contact ·ucemc.com/contact-us ·ucemc.com/report-a-power-outage · current departmental phone numbers and hours of operation.
About Upper Cumberland Electric Membership Corporation
Upper Cumberland Electric Membership Corporation (UCEMC) is an electric power distribution cooperative in Tennessee serving more than 53,000 members across Jackson, Overton, Putnam, Smith, and northern DeKalb counties, with additional service areas in Clay, Fentress, Macon, Pickett, White, and Wilson counties. The cooperative delivers electrical service through approximately 4,775 miles of distribution lines and provides both residential and commercial power distribution. UCEMC is member-owned.
Upper Cumberland Electric Membership Corporation bills commonly include electricity usage charges, demand charges, transmission fees, fuel cost adjustments, and base service fees. Deferit is unaffiliated with Upper Cumberland Electric Membership Corporation.
How to Pay Your Upper Cumberland Electric Membership Corporation Bill
- Online: Pay at https://www.ucemc.com/ with debit/credit card (2.45% fee) or e-check ($1.00 fee).
- Phone: Call 1-800-261-2940, option 2 for payments; card (2.45% fee) or e-check ($1.00 fee) accepted.
- In-Person: Pay at district offices in Carthage, Cookeville, Gainesboro, or Livingston (M-F 8 a.m.–4:30 p.m.; cash, check, money order, or card accepted with 2.45% card fee).
- Auto-Pay: Enroll in Bank Draft at no fee (automatic on due date) or AutoPay via e-check ($1.00) or card (2.45%).
- Mail: Mail check or money order to PO Box 159, Carthage, TN 37030-0159.
- App: Download UCEMC mobile app and pay with debit/credit card (2.45% fee) or e-check ($1.00 fee).
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Upper Cumberland Electric Membership Corporation Payment Methods & Addresses
Retrieved July 2026 · Source: ucemc.com/ways-to-pay ·ucemc.com/pay ·ucemc.com/contact-us.
Pay your Upper Cumberland Electric Membership Corporation bill with Deferit
Pay now and split it into 4 installments, once every two weeks.
Learn more →Common Questions About Upper Cumberland Electric Membership Corporation
Can I use Deferit to pay my Upper Cumberland Electric Membership Corporation bill? ›
Yes. Enter your Upper Cumberland Electric Membership Corporation bill amount in Deferit and we pay Upper Cumberland Electric Membership Corporation in full right away. You repay us in 4 bi-weekly installments.
Split this bill in 4What payment methods does Upper Cumberland Electric Membership Corporation accept? ›
Upper Cumberland Electric Membership Corporation typically accepts online payments via credit card, debit card, or bank transfer. Visit ucemc.com or contact their support team for the most up-to-date options.
Does Upper Cumberland Electric Membership Corporation offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Upper Cumberland Electric Membership Corporation's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Upper Cumberland Electric Membership Corporation bill on time? ›
Contact Upper Cumberland Electric Membership Corporation directly to ask about payment arrangements or hardship assistance programs. Deferit can also help — split your bill into 4 payments to ease the immediate financial pressure.
Updated: July 2026