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 Resources

Loan Application Pay your Loan
Financial Calculator Insurance Products


Real Estate Loan Rates  
All rates subject to change without notice.
More rates and terms available.
Call 547-1200, 722-6228, 772-3115 or 543-7777 and ask for a loan officer.
Fixed Rate First Mortgages
Fixed Rate (LTV up to 85%) 5.95% APR
Variable Rate First Mortgages
Variable Rate (LTV up to 85%) 5.75% APR
30 Year Variable First Mortgage / 10-10-10
Variable Rate (LTV up to 85%) 5.75% APR
5 Year ARM                          (LTV up to 85%)        4.99 APR
Home Improvement  
Fixed Rate (LTV up to 85%) 7.25% APR
Land Loan  
5 Year Fixed 6.99% APR
15 Year Variable 6.70% APR
Manufactured Home  
15 Year Fixed 8.25% APR
* Real Estate Loan Rate Index rates based on previous week's 1-year US Treasury Constant Maturity Yield plus an indexed APR (Annual Percentage Rate).
** Risk-based lending applies.
Credit Scores 626-650  Add .59% APR
Credit Scores 601-625  Add 1.25% APR
Credit Scores 575-600  Add 2.25% APR

See a loan officer for more details.

Certain restrictions apply. Terms subject to change without notice. Call today @ (423) 547-1200 (423) 543-7777, (423) 772-3115 or (423) 722-6228!


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