Business Details
50+ Years
experience
Your Trusted Community Credit Union in Northeast Tennessee
Founded in 1952 as Elizabethton Teachers Credit Union, we transitioned to a community charter in 1996, serving Northeast Tennessee. As a not-for-profit financial cooperative, we prioritize member ownership and community development. Our services include low-rate loans, free checking accounts, and financial education programs. We maintain federal insurance through NCUA and hold CDFI certification, emphasizing accessibility for underserved populations. Our volunteer Board of Directors ensures accountability to members and regulatory standards, with a focus on local economic growth and financial literacy initiatives. 
Services
Checking Accounts
Auto Loans
Mortgage Loans
Credit Cards
Financial Education
Details
- Year established: 1952
Highlights and features
- We operate as a member-owned not-for-profit financial cooperative
- Our CDFI certification demonstrates commitment to underserved communities
- We offer free checking accounts and competitive loan rates to members
- Our volunteer Board of Directors ensures local accountability and oversight
- We provide financial education programs for students and adults
Associations and certifications
- CDFI Fund
Services
Auto Loans
Our auto loans provide competitive rates starting at 4.99% APR with flexible terms. Members can apply online or in-person at any of our four locations. We offer financing for both new and used vehicles to help members purchase reliable transportation.
Mortgage Loans
We offer mortgage loans starting at 4.99% APR for home purchases and refinancing. Our local loan officers provide personalized guidance through the home buying process. We serve members seeking primary residences, investment properties, or home improvements.
Checking Accounts
Our free checking accounts include instant debit cards, mobile check deposit, and BillPay services. Members receive financial tools like Credit Sense for free credit monitoring and management. No minimum balance requirements make banking accessible for all members.
Financial Education
We provide free financial literacy resources including classroom materials, online tools, and community workshops. Our programs teach budgeting, credit management, and financial planning to students and adults across Northeast Tennessee.
Credit Cards
Our credit cards feature rates starting at 18.99% APR with rewards programs and purchase protection. Members can manage accounts through mobile apps with features like Card Valet for transaction controls and fraud prevention tools.
Questions
How do I become a member?
Open a $5 savings account to become a member. Membership is available to anyone living, working, worshiping, or attending school in our five-county service area.
What loan types do you offer?
We provide auto loans, mortgage loans, home improvement loans, personal loans, and recreational loans with competitive rates starting at 4.99% APR.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 through the National Credit Union Administration (NCUA), the same coverage as FDIC insurance for banks.
Do you have mobile banking?
Yes, our mobile app offers check deposit, bill payment, account alerts, and card management features. Download the NCCU Mobile App from the Apple App Store or Google Play Store.
What is your routing number?
Our routing number is 264278827 for electronic transfers and direct deposits.
How does credit union membership work?
As a member-owned cooperative, you receive a share of ownership through your savings account. You'll have voting rights and access to lower loan rates and higher deposit rates.
