Office Hours
Monday-Thursday 8:30 - 4:30
Friday 8:30 - 5:00
Saturday (Drive-Thru Only) 9:00 - 12:00
Mon.-Fri. Drive Thru Opens at 8:00








Loan Application Current Rates
Financial Calculator Insurance Products


At Northeast Community Credit Union, we offer
  • Low rates on both new and used autos
  • Loans for vehicles that are up to 15 years old
  • Financing for up to 7 years
  • Weekly, bi-weekly, semi-monthly, and monthly payments
  • Payment plans to suit your budget
  • Low-cost insurance products for life or disability that can be included in your payments
  • Exclusive discounts from GM - click here for details

What do I need to do to qualify for an auto loan?
First, fill out a loan application! You can pick one up at any of our offices, or you can click here to apply online. Applications are processed the day we receive them, and we'll call you to let you know you're approved.

I haven't found a vehicle yet, but I know I want to buy. How do I know how much I can spend?
We can PRE-APPROVE you for your loan. Fill out an application, choose your payment terms, and we'll let you know how much vehicle you can buy. We'll also give you a pre-approval slip to take with you to the dealership.

I've filled out the application and found a vehicle. What do I need to do next?
If your loan has already been approved, you'll need to come in and sign the documents. When you come to sign, please bring the following with you:
    1. Proof of Income
    2. Purchase Agreement or Buyer's Order
    3. Proof of Insurance

I've filled out the application, and I'm refinancing my car from another lender. What do I need to do next?
If you're refinancing from another institution and your loan has already been approved, you'll need to come in and sign the documents. When you come to sign, please bring the following with you:
    1. Bank payoff information (Bank Name, Account Number, Mailing Address, Phone Number, 10-Day Payoff)
    2. Copy of Registration
    3. Proof of Insurance
What are my payment options?
We have several ways to make your loan payments fast and simple.
  • Bring cash, a check, or money order to any of our offices
  • Mail a check or money order to any of our offices
  • Make an automatic payment from your account with us or with another financial institution
  • Make a payment online (a small fee applies) - click here for more information

Skip this month's loan payment!
As a valued member of Northeast Community Credit Union, we would like to offer you our Skip-A-Payment Program. Choose a loan payment you would like to skip and have extra cash in your pocket this month!

•   May be used for Consumer Loans--auto loans, signature loans, equipment loans, etc.
•   Loan must be at least 12 months old
•   No delinquency within the last 12 months
•   Only one skip-a-payment per loan per 12 months

•   Auto loan amount must not exceed NADA value of vehicle

All YOU need to do is:
•   Fill out the coupon
•   Include your $30 skip-a-payment fee (per loan)
•   Bring or mail the coupon and the fee to the Credit Union

We need to receive your coupon before the regular due date for the month you wish to use the coupon. Coupon cannot be used for real estate loans.


Didn't find what you were looking for? Call 547-1200 or email today!

Credit Union Auto Club


External Link Disclaimer: The appearance of a link on this or any other Northeast Community Credit Union page constitutes neither an endorsement nor recommendation by NCCU. The presence of a link in any way should not be construed as a suggestion that the site has any relationship with NCCU. When viewing these pages please remember that: (1) NCCU is not responsible for the content, product or services advertised on those sites; (2) NCCU does not guarantee the products, information, or recommendations provided by linked sites; (3) NCCU is not liable for any failure of products or services advertised on those sites; (4) The linked website may have a privacy policy different than that of NCCU; (5) The linked website may provide less security than that of NCCU's website.
Main Office
980 Jason Witten Way
Elizabethton, TN  37643
Fax: 423-547-3825
Johnson City Branch
313 W. Oakland Avenue
Johnson City, TN  37604
Fax: 423-722-6230
Elizabethton Branch
1321 Highway 19E
Elizabethton, TN  37643
Fax: 423-543-7783
Roan Mountain Branch
8301 Highway 19E
Roan Mountain, TN 37687
Fax: 423-772-0004
Lost VISA Check Card
Call 1-800-472-3272
Then call us at
Lost VISA Credit Card
Call 1-800-558-3424
Then call us at

Equal Housing Lender - Member NCUA
Rates subject to change without notice
Certain Restrictions Apply

 © 2008 Northeast Community Credit Union