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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 92nd largest credit union in the state of Tennessee. It is also the 3,418th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 6 employees and 2,361 members at 3 locations. Mountain States Credit Union's money market rates are 36% higher than the national average, but 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 - YTD0.41%
Return on Equity - YTD5.29%
Annual Interest Income$870.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$19.4MM$17.8MM
LoansQ4 2017vs Q4 2016$15.1MM$13.2MM
DepositsQ4 2017vs Q4 2016$17.9MM$16.4MM
Equity CapitalQ4 2017vs Q4 2016$1.5MM$1.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$75.00K$66.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$139.00K$13.00K
Real Estate OwnedQ4 2017vs Q4 2016$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

0.25%--Christmas Club
0.10%$100-Regular Share
0.10%--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

2.55%*$100k*-60 Month CD
OTHER TIERS: 2.45% $1k - $100k
2.05%*$100k*-48 Month CD
OTHER TIERS: 1.95% $1k - $100k
1.60%$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