Mountain States Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.80%	5-year CD	3.10% - Barclays 60 Month Online CD
2.10%	1-year CD	2.75% - Barclays 12 Month Online CD
0.10%	Savings	0.27% - National Average

View all Mountain States Credit Union rates »

Overview / Commentary

www.balladcu.org

423-431-6361

400 N State of Franklin Rd
Johnson City, TN 37604

Mountain States Credit Union is headquartered in Johnson City and is the 88^th largest credit union in the state of Tennessee. It is also the 3,263^rd 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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Health

Data as of Q4 2018

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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

Overall
NCUA #	67776
Year Chartered	1953
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	11.89%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$21.6MM$19.4MM
Loans	Q4 2018vs Q4 2017	$18.1MM$15.1MM
Deposits	Q4 2018vs Q4 2017	$19.9MM$17.9MM
Equity Capital	Q4 2018vs Q4 2017	$1.7MM$1.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$68.00K$75.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$88.00K$139.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
2.10%	$5	-	Christmas Club
0.10%	$100	-	Regular Share
0.10%	$5	-	Madd Account

Mountain States Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Mountain States Credit Union Locations
Branch Office	1102 W Market St Ste 20	Johnson City, TN 37604-5376
Branch Office	400 N State of Franklin Rd	Johnson City, TN 37604
Branch Office	300 Med Tech Pkwy	Johnson City, TN 37604

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