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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
MIDDLE TENNESSEE Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
You can compare MIDDLE TENNESSEE rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 0.05% and 3-month share certificate rates at 3.80%. Savings rates are at 1.00% and money market rates are at 1.26%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to MIDDLE TENNESSEE rates. MonitorBankRates evaluates the financial stability of MIDDLE TENNESSEE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.06%. Rates were last updated on 03/29/2026. 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. 
Current Rate AvailabilityWe do not have MIDDLE TENNESSEE rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.06%
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
81
Number of Accounts for Regular Shares
5,990
All other shares
37
Money Market Shares
150
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,562,982
Total Liabilities
56,567,653
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About MIDDLE TENNESSEEIs MIDDLE TENNESSEE a safe place to deposit money?Yes, MIDDLE TENNESSEE is considered a safe financial institution. With a Texas Ratio of 2.0609160820207%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
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