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

Mountain States Credit Union is headquartered in Johnson City and is the 95th largest credit union in the state of Tennessee. It is also the 3,670th largest credit union in the nation. It was established in 1953 and as of June of 2016, it had grown to 7 employees and 2,338 members at 3 locations. Mountain States Credit Union's money market rates are 36% higher than the national average, and it has a C+ 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 - YTD0.14%
Return on Equity - YTD1.72%
Annual Interest Income$285.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$16.8MM$15.9MM
LoansQ2 2016vs Q2 2015$11.6MM$8.6MM
DepositsQ2 2016vs Q2 2015$15.4MM$14.4MM
Equity CapitalQ2 2016vs Q2 2015$1.4MM$1.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$87.00K$55.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$183.00K$11.00K
Real Estate OwnedQ2 2016vs Q2 2015$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

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

Mountain States Credit Union Money Market Rates

0.60%*$100k*-Money Market Account
OTHER TIERS: 0.15% $1k - $5k | 0.20% $5k - $15k | 0.30% $15k - $50k | 0.40% $50k - $75k | 0.50% $75k - $100k

Mountain States Credit Union CD Rates

2.00%*$100k*-60 Month CD
OTHER TIERS: 1.90% $1k - $100k
1.70%*$100k*-48 Month CD
OTHER TIERS: 1.60% $1k - $100k
1.30%$1k-36 Month CD
1.10%$1k-24 Month CD
0.95%$1k-12 Month CD
0.55%$1k-6 Month CD

Mountain States Credit Union Locations
Branch Office1021 W Oakland Ave Ste 110Johnson City, TN 37604-2192
Branch Office400 N State of Franklin RdJohnson City, TN 37604
Branch Office300 Med Tech PkwyJohnson City, TN 37604