Middle Tennessee Credit Union Cookeville TN | Low Mortgage Rates & Auto Loans

Introduction

At Middle Tennessee, we believe that banking should be a community affair. Located at 112 N Oak Ave, Cookeville, TN 38501, our Oak Street Branch has been serving members since 1969, providing a trustworthy and supportive environment for all your financial needs. With a total membership of over 5,500 individuals and assets exceeding $65,968,500, we pride ourselves on being more than just a credit union; we are your neighbors and partners in success. While members can visit us at our branch for personalized service, official correspondence should be directed to our mailing address at 480 One Eleven Place, Cookeville, TN 38506. Under the leadership of our dedicated CEO, Holly Cross, and Board President Wayne Allen, we strive to make a positive impact in our community by offering a range of services tailored to meet your unique financial goals. With total deposits amounting to $6,374,118 and a solid net worth of $9,175,894, Middle Tennessee is committed to ensuring the security and growth of your finances. Our various offerings include personal banking solutions like checking and savings accounts, auto loans, mortgages, credit cards with rewards, as well as business banking services. We understand that every member's situation is different. That's why we maintain a team of knowledgeable employees 13 in total ready to assist you with any questions or concerns you may have. Whether you're looking to secure a loan or need advice on managing your finances better, we're here for you. If you're interested in learning more about what we can do for you or if you have any inquiries, feel free to give us a call at 931-854-1490. We invite you to experience the difference at Middle Tennessee where your financial success is our priority!

Branch History & Mission

Welcome to the heart of community banking at Middle Tennessee. Established in 1969, our branch has been a steadfast part of the Cookeville, TN landscape for over five decades. With a mission centered around serving our members, we have grown from humble beginnings to become a trusted financial partner for more than 5,508 members. Located at 112 N Oak Ave, Cookeville, TN 38501, our branch is easily accessible and close to local landmarks that make it a convenient stop for your banking needs. While members can visit us at this address, official correspondence should be sent to 480 One Eleven Place, Cookeville, TN 38506. At Middle Tennessee, our mission is clear: to provide personalized financial services while fostering community support and engagement. We believe in putting our members first, offering a range of services that include personal banking, auto loans, mortgage refinancing, and business banking solutions. Our total assets have reached an impressive $65,968,500, reflecting our commitment to sound financial management and growth. Over the years, we've embraced innovation while remaining true to our core values. Today, we offer online banking options and mobile applications that allow you to manage your finances on-the-go. Our drive-thru service makes banking even easier for those who prefer quick transactions without stepping inside. We're proud of our community outreach efforts, partnering with local organizations to give back and support those in need. This dedication not only enriches the lives of our members but also strengthens the bonds within our community. As we look toward the future, we invite you to join us at Middle Tennessee. Experience firsthand the benefits of being a member of a credit union that truly cares about your financial well-being and community involvement. Feel free to reach out to us at (931) 854-1490 or visit our website at Oak Street Branch for more information on how you can become part of our growing family. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access

Our location offers ample parking for all our visitors, making it easy for you to pop in whenever you need assistance. We are committed to accessibility and have features like ramps and ADA-compliant entrances to ensure everyone can visit us comfortably. If you're in a hurry, take advantage of our drive-thru banking service where you can conduct simple transactions like deposits and withdrawals without leaving your vehicle.

Operating Hours

We know that life gets busy, so we've tailored our operating hours to fit your schedule. Join us Monday, Tuesday, Thursday from 7:30 AM to 4:00 PM; we open a bit later on Wednesdays at 9:15 AM until 4:00 PM; and on Fridays, we're here until 4:30 PM. Whether you're stopping by before work or during your lunch break, we're ready to assist you!

Services Offered

At the Oak Street Branch, we provide a range of services designed to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have the solutions that make managing your finances easier. We also offer online and mobile banking options so you can handle transactions anytime, anywhere. If you're interested in learning more about what we offer or have questions about specific services, don't hesitate to give us a call at 931-854-1490. Our friendly staff is eager to help you navigate your financial journey. So why wait? Stop by today at our Oak Street Branch or give us a ring! We look forward to welcoming you into the Middle Tennessee family!

Member Eligibility

Becoming a member of Middle Tennessee feels like joining a close-knit community where everyone supports each other's financial journeys. At our branch located at 112 N Oak Ave Cookeville Tn 38501, we welcome individuals who live, work, worship, or attend school in the area. If you meet these simple criteria, you're already on your way to enjoying the benefits of membership! Joining us not only provides access to competitive rates and personalized service but also connects you with fellow members who share similar values and goals. Getting started is easy! You can find all the details about eligibility and the account opening process at this link. If you have any questions or need assistance, feel free to reach out to us at (931) 854-1490. We can't wait for you to become part of our family at Middle Tennessee!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine running your business smoothly, with payment processing that is both efficient and secure. Our merchant services are tailored to ensure you can accept payments easily, whether online or in-person. This means more time focusing on what you love growing your business! Located conveniently at 112 N Oak Ave Cookeville Tn 38501 in Cookeville, TN, our team is ready to partner with you. For more information, give us a call at (931) 854-1490 or visit us online at http://www.midtenfcu.com. Let's work together to turn your business aspirations into reality!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For local businesses, we provide tailored banking solutions too. Our business banking services include merchant services and business loans, helping you manage your finances while focusing on what you do best running your business.

Credit Card Options

Don't forget about our credit cards with rewards! They come with great benefits that can help you earn points on everyday purchases. Whether you're using it for groceries or gas, every swipe counts towards something special.

Digital Banking Features

In today's fast-paced world, having digital access to your finances is essential. At Middle Tennessee, we make it easy with online banking and mobile applications that allow you to handle all your banking needs without visiting the branch. Plus, our person-to-person payment options let you send money directly to friends or family without hassle. If you're ready to explore what Middle Tennessee can do for you or if you have questions about any of our services, don't hesitate to reach out! Call us at (931) 854-1490 or visit us at our branch in Cookeville. We're excited to serve you!

Easy Access with Drive-Thru Services

We understand that convenience is key for many of our members. That's why we offer basic drive-thru banking for deposits, withdrawals, and simple transactions. Even if you're in a hurry, you won't have to sacrifice quality service.

Loans for Every Need

When it comes to financing, we have several options available. If you're thinking about getting a new car, our auto loans and vehicle financing options are straightforward and competitive. For those looking to buy a home or refinance an existing mortgage, our mortgage loans provide flexible terms that suit different budgets. Additionally, we offer personal loans for debt consolidation or unexpected expenses, ensuring that you have the support you need when life throws a curveball.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit various lifestyles and goals. Imagine having easy access to your money while also earning interest on your savings! With our online and mobile banking features, managing your accounts is just a click away. You can check balances, transfer funds, and even pay bills right from your smartphone.

Digital & Online Banking

Key Features

Our online banking offers various features tailored to enhance your experience. If you're looking for a quick way to send money to friends or family, our person-to-person transfer option makes it simple and fast. Just a few clicks and you're done! For those who prefer mobile solutions, we have a dedicated mobile application available for download. It allows you to manage your accounts on the go with ease. Plus, while we currently do not offer mobile payments, our app ensures you stay connected to your finances wherever life takes you.

Security & Convenience

Your security is our top priority. While we don't use electronic signature authorization at this time, our systems are built with robust security measures to keep your information safe. You can rest easy knowing that your data is protected. Additionally, e-statements are available, allowing you to receive and manage your account statements electronically. This not only helps you keep track of your finances but also reduces paper clutter at home. At Middle Tennessee, we strive to provide accessible and convenient banking solutions that fit into your lifestyle. Whether you're checking balances from the couch or making transfers during lunch breaks, our online services ensure you stay in control of your financial journey. Explore all the possibilities today!

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 understand that knowing your credit union is financially sound is vital for your peace of mind. That's why we are proud to share our financial strengths with you. 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. This commitment is reflected in our operations as we focus on enhancing your benefits currently holding $0 in non-member deposits allows us to do just that. Moreover, with $9,148,033 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our lending capacity supports your financial goals across various sectors with $3,559 in used auto loans and a total of $38,428,937 in loans and leases. Our financial performance speaks volumes; our $337,308 reflects our operational efficiency, enabling 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 Accounts: 9,623, showing 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 112 N Oak Ave Cookeville Tn 38501 or call (931) 854-1490 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 provide flexible terms and refinancing options to fit your unique circumstances.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we're here to guide you through every step.

Other Loan Options

Additionally, we provide various other loan products tailored for personal needs and business purposes. Our total credit lines amount to $4,000,000, giving you access to funds when you need them most. At Middle Tennessee, we prioritize your financial well-being and are dedicated to offering solutions that cater to your needs. If you're ready to explore your options further or have any questions, please don't hesitate to reach out at (931) 854-1490 or visit us at our branch located at 112 N Oak Ave Cookeville Tn 38501 in Cookeville, TN. We look forward to helping you achieve your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $500,790 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can make everyday spending more beneficial.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You won't have to worry about hidden fees or misleading terms. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can trust that every option presented is based solely on its merits. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. You can easily find the best offers without sifting through outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how effective this tool can be in finding better financial solutions. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing ensures that all loan offers are fair and transparent. Users can trust that the comparisons they see are based on accurate and current information.

MIDDLE TENNESSEE FEDERAL CREDIT UNION - Cookeville, TN

Compare Loan Rates Near You

Loan rates in Cookeville, TN (38501)