Tenn. Code Ann. § 45-4-502: Credit union may borrow

(a) A credit union has the power to borrow from any source, but the total of borrowing shall at no time exceed fifty percent (50%) of the member accounts and surplus of the borrowing credit union.

(b) A central credit union, as defined in § 45-4-101 , has the power to borrow from any source, and is not subject to the limitations of subsection (a).