Overview / Commentary
400 N State of Franklin Rd
Johnson City, TN 37604

Mountain States Credit Union is headquartered in Johnson City and is the 88th largest credit union in the state of Tennessee. It is also the 3,263rd largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 8 employees and 2,322 members at 3 locations. Mountain States Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Mountain States Health Alliance or a medical employee of Washington County, Tennessee.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mountain States Credit Union has a low asset base.

Health Grade Components

NCUA #67776
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD11.89%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$21.6MM$19.4MM
LoansQ4 2018vs Q4 2017$18.1MM$15.1MM
DepositsQ4 2018vs Q4 2017$19.9MM$17.9MM
Equity CapitalQ4 2018vs Q4 2017$1.7MM$1.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$68.00K$75.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$88.00K$139.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mountain States Credit Union Savings Account Rates

2.10%$5-Christmas Club
0.10%$100-Regular Share
0.10%$5-Madd Account

Mountain States Credit Union Money Market Rates

0.60%*$100k*-Money Market
OTHER TIERS: 0.20% $1k - $15k | 0.30% $15k - $50k | 0.40% $50k - $75k | 0.50% $75k - $100k

Mountain States Credit Union CD Rates

2.80%*$100k*-60 Month CD
OTHER TIERS: 2.70% $1k - $100k
2.70%*$100k*-48 Month CD
OTHER TIERS: 2.60% $1k - $100k
2.50%$1k-36 Month CD
2.40%$1k-24 Month CD
2.10%$1k-12 Month CD
0.75%$1k-6 Month CD

Mountain States Credit Union IRA Rates

2.80%*$100k*-60 Month IRA
OTHER TIERS: 2.70% $1k - $100k
2.70%*$100k*-48 Month IRA
OTHER TIERS: 2.60% $1k - $100k
2.50%$1k-36 Month IRA
2.40%$1k-24 Month IRA
2.10%$1k-12 Month IRA
0.75%$1k-6 Month IRA

Mountain States Credit Union Locations
Branch Office1102 W Market St Ste 20Johnson City, TN 37604-5376
Branch Office400 N State of Franklin RdJohnson City, TN 37604
Branch Office300 Med Tech PkwyJohnson City, TN 37604

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