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








Loyalty Rewards

NCCU's Loyalty Rewards is our way of rewarding our loyal members who are committed to building a long-lasting relationship with us. When you support the Credit Union by using our products and services, you're rewarded for your support with discounted loan rates, increased deposit rates, and many free or discounted services.


Loan and Deposit Benefits

Product/Service Consumer Loan Benefits CD Benefits*
Active Checking .20% lower rate .20% higher rate
Mortgage Loan .20% lower rate .20% higher rate
Checking and Mortgage .40% lower rate .40% higher rate

*All regular 6, 12, 18, and 24-month CDs are eligible for this pricing. Promotions, specials, Nest Egg CD, One Grand Plan CD, Add-On CD, and IRA CD are not eligible.



Additional Benefits

Beyond discounts on loans and higher rates on deposits, we offer further benefits if:

1. you have your home loan AND an active checking account with us


2. you have been a member for 5+ years AND have direct deposit into your account


Free Services Discounted Services
One Box of Checks Per Year $24 Overdraft Fee ($4 savings)
Stop Payments $24 Courtesy Pay Fee ($4 savings)
Wire Transfers $25 Off GAP Insurance Fee
Activity Printouts and Fax Service $25 Discount on Mechanical Breakdown Insurance
Check Card Replacement  
Cashier's Checks  
Check Cashing  


Active Checking is defined as an account with 6 months of history with a minimum of 10 transactions monthly. Loans will revert to the non-discounted original interest rate if a periodic audit shows relationship accounts have been closed.

Loyalty Rewards is for new loans, new certificates, or new services. The more business you do with us, the better your rates will be. Loyalty Rewards may cease or change without notice.

Rev. 11-15-2013





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