Paying Your MTEMC Bill: A Guide to Your Options

Today, we send 82 cents of every dollar paid on monthly bills to TVA for the purchase of electricity. MTE operates on the remaining 18 cents. This approach Contact Us · Account Options · Billing FAQs


As a member of Middle Tennessee Electric (MTE), paying your bill on time is essential to ensure uninterrupted electricity service. With various billing options available, MTE makes it convenient for you to pay your bill according to your lifestyle and financial situation. In this guide, we’ll discuss the different ways to pay your MTEMC bill and provide you with all the necessary information to make informed decisions.

Billing Options

MTE offers four billing options to fit your budget and lifestyle:

  1. Levelized Billing: This option is calculated by taking an average of your previous 12 months of electricity billing. Bills adjust every month, but they’re always based on the preceding 12-month average, allowing for a more consistent and predictable bill. Levelized Billing is only available for residential members.
  2. Fixed Budget Billing: With this option, members pay fixed amounts each month based on their previous 12-month consumption. Once a year, your account will be “settled up” to reflect any overpayments or underpayments. Fixed Budget Billing is ideal for members who want a consistent monthly payment.
  3. PrePay: This option allows you to add money to your account before you consume electricity, and we’ll calculate your usage each day and deduct it from your account balance. Prepay is great for members who want to pay for their electricity as they go or avoid paying a deposit when establishing membership.
  4. Traditional Billing: This is how members have paid for electricity for over 80 years. At the end of your billing cycle, you pay for the energy consumed. Traditional billing is perfect for those who aren’t looking for a change and want to simply pay for what they use.

How to Pay Your Bill

Paying your MTEMC bill is convenient and can be done through various channels:

  1. Online: You can pay your bill online through myMTE, MTE’s web portal and mobile app. myMTE allows you to view and pay your bill, check your energy usage, and manage your account.
  2. Phone: You can call MTE’s member support line at 877-777-9020 to pay your bill over the phone. Have your account number and payment information ready.
  3. In-Person: You can visit any of MTE’s seven local offices to pay your bill in person. Bring your bill and payment method.
  4. Mail: You can mail your payment to MTE at P.O. Box 100, Murfreesboro, TN 37133-0001. Please include your account number and payment coupon.
  5. Money Gram: Prepay members can add money to their account through Money Gram, a convenient payment option available at participating retailers.
  6. Automated Payments: MTE offers automated payments, which can deduct the payment amount from your bank account or credit card. You can set up automated payments through myMTE or by contacting MTE’s member support line.

Fee Descriptions

As a not-for-profit electric cooperative, MTE strives to be financially responsible and transparent about their fees. Here are some fee descriptions you might encounter:

  1. Service Charge: A monthly service charge is applied to all accounts and covers the cost of maintaining and reading meters, billing, and other services.
  2. Energy Charge: The energy charge is based on the amount of electricity consumed and is calculated per kilowatt-hour (kWh).
  3. Delivery Charge: The delivery charge covers the cost of delivering electricity to your home or business, including maintaining and upgrading power lines, substations, and other infrastructure.
  4. Transmission Charge: The transmission charge is a pass-through fee from the Tennessee Valley Authority (TVA), which covers the cost of transmitting electricity from TVA’s power plants to MTE’s distribution system.


Paying your MTEMC bill is easy and convenient, with various billing options and payment channels available. By choosing the billing option that best suits your lifestyle and budget, you can avoid any financial strain and ensure uninterrupted


How do I pay my middle tennessee electric bill?

Make these payments at an MTE area office between 7:30 a.m. and 5:00 p.m. Monday-Friday, by check or credit card by phone 24/7, or through myMTE. What options are available to members to help them manage their bills? MTE offers options to help members manage their accounts.

What is the 800 number for middle tennessee electric?

If you have any issues, please contact us at 877-777-9020 for assistance. We’re sorry to see you go but thankful for the opportunity to have served you.

What are the off peak hours for Middle Tennessee Electric?

How does it work? Members who shift their energy to the off-peak hours 10:00 pm to 4 am can save 3 cents per kWh compared to our base residential rate. During the on-peak hours of 4 am to 10 pm, members will pay an additional 1 cent per kWh over our base residential rate.

How many customers does Middle Tennessee Electric have?

Founded in 1936, MTE is the largest electric cooperative in the Tennessee Valley Authority (TVA) region and the second largest in the United States, serving more than 750,000 Tennesseans via 325,000+ accounts covering nearly 2,200 square miles in 11 Middle Tennessee counties, primarily Rutherford, Cannon, Williamson …

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Today, we send 82 cents of every dollar paid on monthly bills to TVA for the purchase of electricity. MTE operates on the remaining 18 cents. This approach

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