Middle Tennessee Federal Credit Union
About Middle Tennessee Federal Credit Union in Cookeville, TN
Middle Tennessee Federal Credit Union was chartered on January 1, 1969, making it one of the oldest continuously operating financial institutions in Putnam County. With over 55 years of uninterrupted service, more than 5,400 members, and $61 million in assets, Mid TN FCU is a substantial community institution that has grown steadily by serving Putnam County residents, and only Putnam County residents.
The credit union model means members are owners, not customers. Decisions are made locally, earnings are returned through competitive rates and low fees, and the institution exists to serve its members' financial lives rather than to generate profit for external shareholders. Mid TN FCU has three locations across the Cookeville area, making it accessible throughout the county.
The credit union acquired Lodge 2212 Credit Union in Baxter in 1993, extending its footprint into the surrounding county. For Putnam County residents who want their primary financial institution to be community-rooted, locally governed, and structured around member benefit, Mid TN FCU's 55-year track record speaks directly to that preference.
Cookeville Scoop Pick
Over 55 years serving Putnam County exclusively. Mid TN FCU is the credit union for residents who want their financial institution to have genuine deep roots in the community, not a regional presence that includes the Upper Cumberland, but an institution built specifically for it.
Getting Started
Open an account at the E Spring St main branch or call (931) 528-9400. Membership requires Putnam County ties, have your address or employer documentation ready. For loan inquiries, the local decision-making model means faster approvals than national banks; come prepared with basic financial information.
“I've been a member since the 80s. They've seen me through home loans, car loans, and everything in between. You can't put a price on a financial institution that knows your name.”
Frequently Asked Questions
Who is eligible to join Middle Tennessee Federal Credit Union?
Mid TN FCU serves Putnam County residents exclusively. To join, you must live, work, worship, or attend school in Putnam County, Tennessee.
How long has Mid TN FCU been in Cookeville?
Middle Tennessee Federal Credit Union was chartered January 1, 1969, over 55 years of continuous service to Putnam County residents.
How many locations does Mid TN FCU have in Cookeville?
Mid TN FCU has three locations in the Cookeville area, including the main branch at 1255 E Spring St.
What are Mid TN FCU's Saturday hours?
Mid TN FCU is open Saturday 9:00 AM–12:00 PM. Weekday hours are Monday–Tuesday and Thursday 8:00 AM–4:30 PM, Wednesday 9:00 AM–4:30 PM, and Friday 8:00 AM–5:00 PM.
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