MTE exists to make life better for our members. We understand how electricity brings you light, comfort, and connection. We also understand how important it is to remain affordable, reliable, safe. Our members often ask us questions about their bills, and we've compiled the most frequent ones below.

If you have any questions, comments, or concerns, please reach out to us at 877-777-9020, by stopping at a local office, or through our contact form.

Frequently Asked Billing Questions

Your bill will clearly designate the due date. It will also indicate the amount your payment would be if you fail to pay by your due date (which includes a late fee of five percent of the first $250 owed, and one percent of any remaining amount over $250.

Failure to pay within 10 days from your due date subjects you to a possible disconnection of service. There will be a delinquent notice mailed to you and, if we have your correct phone number, you will receive an automated phone call notifying you of your delinquent bill status. 

If your service is disconnected, you must:

  • request reconnection by calling or coming to an MTE office;
  • pay a reconnection fee;
  • pay other fees if they apply, such as a returned check fee and/or a late payment fee;
  • pay all past due amounts on your account;

Make these payments at an MTE area office between 7:30 a.m. and 5:00 p.m. Monday-Friday, or by check or credit card by phone 24/7.

MTE offers options to help members manage their accounts. Depending on your preference and lifestyle, you can choose between budget billing, traditional, or PrePay. Take a look and see which one works best for you.

View billing options

We do offer payment extensions to help our members that qualify. You can call our Contact Center at 877-777-9020 to set one up or discuss your specific situation. For members wanting to do it themselves or after our offices have closed, payment extensions can be set up on our automated system at 877-777-0215 or through the myMTEMC app or Web portal.

Yes. To sign up, register for myMTEMC to access your printed bill settings in your profile.

Register for myMTEMC

Bills are mailed out monthly in billing cycles. Meter reading route determines the date your bill is mailed and due.

We offer a number of payment options so you may choose what is convenient for you. 

  1. Sign up to pay your bill automatically by bank draft at no charge.
  2. Use the return envelope provided with your bill.
  3. Make a payment by electronic check, MasterCard, Visa, American Express or Discover, or ATM/Debit cards over the phone by calling 1-877-777-0215 or online at
  4. Cash payments can be made through MoneyGram.
  5. Drop the payment by our offices in Franklin, Lebanon, Murfreesboro, Mt. Juliet, Smyrna or Woodbury, where you can come inside or use the drive-through window during business hours, Monday-Friday, 7:30 a.m. to 5:00 p.m. After hours, you may use the night depository boxes at the offices or at these other locations:
    • MTE Headquarters
    • Fairview City Hall
    • Lebanon City Hall

Frequent Questions About High Bills

If the MTE service area has experienced sustained low or high temperatures and, as a result, many members increased their energy consumption, bills for those periods will increase. Heating and cooling account for more than half of a member's electric bill on average. Your HVAC unit runs longer during prolonged periods of cold or hot weather to keep up with the temperature. To monitor your usage during peak winter or summer temperature periods or at any time, you can create an online account through or download our app, myMTEMC.

A common misconception during the high-bill season is that rates increase so the cooperative can make money. MTE is a member-owned, not-for-profit electric cooperative and has rates approximately 20% lower than the national average. In fact, 82 cents of every dollar collected by MTE is paid to the Tennessee Valley Authority (TVA) for the power used by our members. The remaining 18 cents is used to operate the cooperative.

Heat pumps are common in homes throughout the MTE service territory and are very efficient the majority of the year. However, during extremely low temperatures, heat pumps switch to auxiliary or emergency heat to help warm the home. When auxiliary or emergency heat is activated, it draws up to three times the amount of electricity.  When heat pumps required auxiliary heat often, electricity consumption can be higher for many members.

Space heaters can be used to heat small areas for short amounts of time, but long-term use can lead to substantial energy consumption and cost. For example, a 1,500-watt space heater operating 12 hours per day will cost nearly $50 per month. If you are interested in additional information related to appliance consumption, visit

*Please note, this calculator estimates at a higher rate than your cost from MTE.

Gas furnaces typically have electric-powered blowers to help move the hot air through the ductwork. During periods of cold temperatures, gas furnaces run for long periods of time, meaning those blowers work longer and harder to maintain the desired temperature inside the home. Additionally, many people with gas heat use electric humidifiers during the extreme cold to help compensate for the extremely dry heat gas furnaces supply. This could add to increased energy consumption.

MTE's rates are about 20% below the national average. Our full rate structure can be viewed at

MTE Rates

MTE operates in a not-for-profit capacity and passes through rate increases set forth by our power supplier, the Tennessee Valley Authority (TVA).  TVA's rates follow a seasonal pattern (winter, transition, or summer) and included the fuel cost associated with generating the electricity. Over recent years, fuel costs have decreased to keep the overall rate MTE members pay fairly stable.

MTE works hard to control costs and has not required a rate increase for our operations in over 10 years. Your cooperative will continue to work with TVA in order to ensure that rates remain as low as possible for our members.

Other Member Service Information

Member Service

Fee Descriptions

Member Service

Life Support Program

Member Service