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MIDDLE TENNESSEE

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MIDDLE TENNESSEE Rates & Review August 2026

Q: How many branches does MIDDLE TENNESSEE operate?

MIDDLE TENNESSEE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join MIDDLE TENNESSEE?

Yes, to access services at MIDDLE TENNESSEE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, MIDDLE TENNESSEE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MIDDLE TENNESSEE provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

MIDDLE TENNESSEE rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not MIDDLE TENNESSEE, and you can see how they compare in the MIDDLE TENNESSEE rate tables below. MonitorBankRates evaluates the financial stability of MIDDLE TENNESSEE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.99%. Database rates last updated and verified on 08/30/2026.

MIDDLE TENNESSEE money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MIDDLE TENNESSEE? Share your experience about MIDDLE TENNESSEE by leaving a review below, or read customer reviews before you decide to use MIDDLE TENNESSEE.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.99%

Excellent Lower than avg

MIDDLE TENNESSEE
Main

1255 E Spring St
Cookeville, TN 38501 4310

http://www.midtenfcu.com

Current Rate Availability

We're not currently displaying rates for MIDDLE TENNESSEE, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MIDDLE TENNESSEE is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather MIDDLE TENNESSEE rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with MIDDLE TENNESSEE's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MIDDLE TENNESSEE

Website http://www.midtenfcu.com

Address 1255 E Spring St, Cookeville, TN 38501 4310

Phone 931-528-9400

Fax 931-372-8481

President Wayne Allen

CEO HOLLY CROSS

Full-Time Employees 8

Part-Time Employees 6

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.99%

Return on Assets (ROA)

1.8483%

Return on Equity (ROE)

11.4585%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

67,430,599

Total Amount of Shares and Deposits

56,471,308

Total Shares and Deposits < 1 Year

55,026,522

Total Shares and Deposits 1 3 Years

1,444,785

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,570,240

Total Uninsured Shares and Deposits > $250K (F+J)

2,570,240

Total Insured Shares and Deposits > $250K (item 17 less item K)

53,901,068

Total Interest Expense (Sum of items 6 8)

586,851

Share Certificates

266

Number of Accounts for Share Drafts

3,297

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,990

All other shares

Money Market Shares

150

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,562,982

Total Liabilities

56,567,653

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

MIDDLE TENNESSEE earned the Verified Strong badge

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Frequently Asked Questions About MIDDLE TENNESSEE

How many branches does MIDDLE TENNESSEE operate?

MIDDLE TENNESSEE currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join MIDDLE TENNESSEE?

Yes, to access services at MIDDLE TENNESSEE, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, MIDDLE TENNESSEE does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, MIDDLE TENNESSEE provides members with tools to manage their accounts and build a solid financial history.

Does MIDDLE TENNESSEE offer online and mobile banking?

Most modern institutions like MIDDLE TENNESSEE provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.midtenfcu.com.