Middle Tennessee
Verified Information
NCUA Insured
Member-Owned
1 charter
Established in 1969
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Cookeville, TN may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1969
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Cookeville and serves members in the TN area. Currently serving 5,532 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.99%Used Auto Loan
6.99%Personal Loan
12.99%Credit Card APR
12.99%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in TN
Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).
Calhoun, TN
Johnson City, TN
Memphis, TN
Nashville, TN
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(3 total)
Member Reviews
4.0
25 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Ronda Bumbalough
6 months ago
Absolutely love my bank! Nothing bad to say. Always friendly and helpful ❤️
Jayson Hargis
4 months ago
Been a member here for 20+ years and so over this bank. Will be withdrawing everything ASAP and going elsewhere. They are useless
Neisha Hale
4 years ago
Caro was extremely helpful in helping my husband and I with out loan needs. Everyone in the office was nice to us. Betsy recommended us to talk with Cari, I am thankful for both of them and their help.
Shannon LaMae
3 years ago
Holly and everyone at M.T.F.C.U. are very nice and helpful in every way. I've been with them for going on 25 years. I'm very grateful. Shannon LaMae 03/03/2023
Patrick McDuffee
2 years ago
Services are limited. Customer service number on the back of their issued debit card is useless after 4:30pm. Limit of 10 active charges at a time with no notifications.
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(931) 528-9400Website
Visit WebsiteMembers
5,532
Total Assets
$68.6M
Year Opened
1969
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile