Middle Tennessee Credit Union Cookeville TN | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Middle Tennessee, your trusted partner in financial well-being, located at 1255 E Spring St, Cookeville, TN 38501. Since our establishment in 1969, we've been dedicated to serving the community and helping our members achieve their financial goals. With a solid membership base of 5,508, we take pride in managing total assets of $65,968,500 and ensuring your funds are safe with total deposits reaching $6,374,118. At Middle Tennessee, we believe in building strong relationships with our members. Under the leadership of CEO Holly Cross and Board President Wayne Allen, our committed team of 13 employees is here to provide personalized service tailored to your needs. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we've got you covered. While members can visit us at our branch location for a variety of services, official correspondence should be sent to our mailing address at P.O Box 3238, Cookeville, TN 38502-3238. We invite you to explore how we can assist you on your financial journey. With a focus on community impact and member satisfaction, Middle Tennessee stands out as a credit union that truly cares. Give us a call at 931-528-9400 or visit our website at midtenfcu.com to learn more about our services or set up an appointment today!

Branch History & Mission

Welcome to the heart of our community Middle Tennessee Credit Union. Established in 1969, we have proudly served the residents of Cookeville, TN, and beyond for over five decades. Our branch, located at 1255 E Spring St, Cookeville, TN 38501, stands as a testament to our commitment to providing exceptional financial services that empower our members. Since our inception, we have grown significantly from a small credit union to a thriving institution with a total membership of 5,508 and assets exceeding $65.9 million. Our journey has been marked by milestones that reflect our dedication to meeting the evolving needs of our members. As we expanded our services over the years, we focused on offering personal banking solutions, auto loans, mortgage refinancing, and business banking options all designed to enhance the financial well-being of our community. At Middle Tennessee Credit Union, our mission is simple yet powerful: we aim to deliver accessible financial services while fostering strong community ties. We believe that everyone deserves a chance at financial success. That's why we prioritize not just banking but also support for local initiatives and outreach programs that uplift those around us. While members can visit us at 1255 E Spring St for all their banking needs including drive-thru service for quick transactions we also encourage official correspondence to be sent to P.O Box 3238, Cookeville, TN 38502-3238 if needed. Our operating hours are designed to accommodate your busy schedule: Monday through Friday from 8 am to 4:30 pm. Although we currently do not offer ATM services, our drive-thru remains available for deposits and withdrawals. Additionally, we're dedicated to ensuring that all members can access our services easily and comfortably. As part of our commitment to innovation and customer-centricity, we've embraced online banking solutions. Members can manage their accounts digitally with ease through mobile applications and online platforms. We also value partnerships within the community as they help us extend our reach and impact positively. We invite you to join Middle Tennessee Credit Union today! Experience firsthand how we're more than just a financial institution; we're your partner in achieving your financial goals while building a stronger community together. If you're ready to take the next step or want more information about becoming a member, feel free to call us at (931) 528-9400 or visit our website. Together, let's pave the way for a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility matters. Our branch is equipped with features such as ramps and wide doorways to ensure everyone can easily access our services. Parking is available right outside the building, making it convenient for you to stop by without any hassle.

Operating Hours and Services

We're open Monday through Friday from 8 am to 4:30 pm, offering ample time for you to visit during your day. We provide a variety of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage options. Plus, enjoy the convenience of our drive-thru banking for quick deposits and withdrawals. If you need assistance or have questions about our services, don't hesitate to give us a call at 931-528-9400. Our friendly staff is here to help you navigate your financial journey.

Visit Us Today!

At Middle Tennessee Credit Union, we pride ourselves on creating a welcoming environment where you feel valued and supported. We invite you to come by and experience personalized service that puts your needs first. Your financial well-being is our priority!

Member Eligibility

At Middle Tennessee, we believe that becoming a member is like joining a supportive family. If you're looking to enjoy the benefits of personalized banking and community focus, you're in the right place! To be eligible for membership, you need to live, work, or worship in our local community or have a family member who is already part of our credit union. This means that whether you're a long-time resident of Cookeville or just starting out here, we welcome you with open arms. For more detailed eligibility criteria, feel free to check out this link. Opening an account with us is straightforward and hassle-free. You can start your journey by visiting us at our branch located at 1255 E Spring St Cookeville Tn 38501, or simply call us at (931) 528-9400 for assistance. We're excited to help you take this step toward better banking! Whether you're interested in checking and savings accounts, loans, or other financial services, becoming a member at Middle Tennessee opens up a world of possibilities tailored just for you.

Business Banking & Commercial Services

At Middle Tennessee, we understand that every successful business has a story. Whether you're starting out or looking to expand, our business banking and commercial services are designed to help you write the next chapter of your journey. Picture this: a local coffee shop that started with a dream and a small loan from us, now bustling with customers and thriving in the community. This is the kind of growth we aim to support. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans, we look forward to empowering our members with flexible financing options tailored to their unique needs. We also recognize the importance of serving the broader community; although we have $0 in non-member commercial loans at the moment, we're eager to offer solutions that can drive local economic development. In addition to our loan offerings, we provide essential merchant services that simplify payment processing for your business. Imagine accepting payments seamlessly, allowing you to focus on what matters most growing your venture. Located at 1255 E Spring St Cookeville Tn 38501 in Cookeville, TN, we're here to assist you every step of the way. Let's work together to turn your business dreams into reality! For more information, give us a call at (931) 528-9400.

Comprehensive List Of Services

Accessing Your Funds

If you prefer traditional banking methods, our drive-thru service offers a quick way to handle deposits and withdrawals without leaving your car. While we currently do not have ATMs available at our branch, we ensure that all basic transactions can be completed easily through our drive-thru service. At Middle Tennessee, we're not just about transactions; we're about relationships. Our friendly staff is here to help guide you through every step of your financial journey. If you have any questions or need assistance with any of our services, don't hesitate to call us at (931) 528-9400. Ready to take control of your financial future? Visit us today at 1255 E Spring St Cookeville Tn 38501 or explore more about what we offer by visiting our website at Main. We look forward to serving you!

Business Banking Services

For our business members, we offer essential services like merchant services and business loans, helping you manage your operations smoothly while also supporting your growth.

Credit Cards and Rewards

We believe in rewarding our members for their loyalty. Our credit cards with rewards allow you to earn points on everyday purchases, making it easier to enjoy perks like travel discounts or cash back.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms let you manage your finances anytime, anywhere. You can easily check your balance, pay bills, and transfer funds from the comfort of your home or on the go. Plus, with features like person-to-person payments, sending money to friends or family has never been easier.

Personal Banking Solutions

Our personal banking options are designed with you in mind. We offer various checking and savings accounts that fit different lifestyles and financial goals. If you're considering a new vehicle, our auto loans and vehicle financing can help you get behind the wheel without breaking the bank. For those planning to buy a home, our mortgage loans and refinancing options ensure you find the right fit for your budget. Additionally, if you're facing unexpected expenses or need to consolidate debt, our personal loans can provide the relief you need.

Digital & Online Banking

Key Features

Managing your accounts has never been easier. You can take advantage of e-statements to keep track of your transactions without the clutter of paper statements. Plus, we offer person-to-person transfers, making it simple to send money to friends or family instantly. If you're always on the move, our mobile application provides the same great features right at your fingertips. Although we don't currently support mobile payments, our mobile app is designed for easy navigation and quick access to all your banking needs. With real-time updates and notifications, you'll always stay informed about your account activity.

Security and Convenience

Your security is our priority. Even though we do not offer electronic signature authorization at this time, we utilize robust security measures to protect your personal information while you bank online. You can rest assured knowing that your data is safe with us. At Middle Tennessee, we are committed to making banking accessible and straightforward for everyone in our community. Experience the ease of managing your finances digitally today! For more information or to get started, visit us at https://midtenfcu.com/ or give us a call at (931) 528-9400.

Financial Strength

At Middle Tennessee, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial strength, which reflects our commitment to serving you well. With a net worth of $9,175,894, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.90% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $9,807,602 in share certificates and $4,190,927 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $9,148,033 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is reflected in the $3,559 in used auto loans and $38,428,937 in total loans and leases, supporting members' financial goals across various sectors. While our $337,308 indicates operational efficiency, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $45,823. Total Share and Deposit Accounts: 9,623, show a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Middle Tennessee is your trusted partner. Visit us at 1255 E Spring St Cookeville Tn 38501 or call (931) 528-9400 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $19,902,266 in used vehicle loans and $4,822,724 in new vehicle loans already helping members get on the road. We have flexible terms and options available for refinancing if you're looking to lower your current payments.

Credit Card Loans

Managing finances effectively can be challenging, but our unsecured credit card loans offer flexibility. With a total of $500,790 in loans, we support members in handling everyday expenses without breaking the bank.

Credit Lines

If you're looking for extra financial flexibility, our credit lines totaling $4,000,000 are here to help. These lines of credit allow you to access funds as needed, providing peace of mind for unexpected expenses or planned purchases. Each of these products is designed with your financial success in mind. For more information about how we can assist you with your borrowing needs or to explore eligibility options, please don't hesitate to reach out. You can contact us at (931) 528-9400 or visit us at our branch located at 1255 E Spring St Cookeville Tn 38501 in Cookeville, TN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us partner with you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $198,972, make buying or refinancing simple. We provide guidance through every step of the process to help you secure a mortgage that fits your lifestyle and budget.

Loan Aggregator

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MIDDLE TENNESSEE FEDERAL CREDIT UNION - Cookeville, TN

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