Business Details
Your Trusted Credit Union for Financial Solutions in Johnson City
Beacon Financial Credit Union Credit Union, formerly Mountain States Credit Union, has dedicated itself to delivering quality financial services aimed at enhancing the financial well-being of its members. We focus on community development by offering tailored financial solutions that address the social and economic needs of our members. As a member-owned, not-for-profit institution, we prioritize the financial health of current and former healthcare employees and their families, extending eligibility to spouses, children, parents, grandparents, siblings, aunts, uncles, cousins, and step relations. Our services are designed to provide superior financial products, including competitive auto loans, savings accounts, checking accounts, and certificates. We maintain strict compliance with federal regulations, including the USA PATRIOT Act, and ensure the security and confidentiality of our members' information.With branches in Johnson City, TN, we offer convenient access to financial tools like mobile banking, 24-hour teller lines, and a robust ATM network. Our commitment to transparency, ethical practices, and personalized service underscores our mission to empower members through financial education and support. We collaborate with organizations like Zelle to facilitate fast, secure money transfers and provide financial counseling to help members achieve long-term stability. Our team works diligently to ensure every member receives the resources and guidance needed to make informed financial decisions. Through decades of service, we have built a reputation as a trusted partner in financial wellness.
Services
Auto Loans
Personal Loans
Savings Accounts
Checking Accounts
Certificates
Mobile Banking
Financial Counseling
ATM Network
Zelle Transfers
Loan Calculators
Highlights and features
- We offer competitive auto loan rates starting at 5.75% APR for new vehicles.
- Our mobile banking app provides 24/7 access to account management and instant card controls.
- We provide free financial counseling to help members achieve long-term financial stability.
- Family membership extends benefits to spouses, children, parents, and extended relatives.
- Access to 55,000+ surcharge-free ATMs through the AllPoint Network globally.
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
Beacon Financial Credit Union offers competitive auto loans for new and used vehicles with fixed APRs starting at 5.75%. These loans include refinancing options for qualifying members, ensuring affordable financing solutions. Our services cater to members seeking reliable vehicle financing with flexible terms.
Mobile Banking
Our mobile app enables 24/7 account management, including balance checks, fund transfers, bill payments, and instant card controls. Features like remote deposit capture and spending insights enhance financial convenience. This service supports members who prioritize digital accessibility and real-time financial management.
Certificates
Certificates offer fixed annual percentage yields up to 5.00% with terms ranging from 6 to 72 months. Minimum deposits start at $1,000, providing secure savings growth for members. These products suit individuals seeking predictable returns on their savings.
Financial Counseling
Trained counselors provide personalized guidance to assess financial situations, address challenges, and develop improvement strategies. Sessions focus on budgeting, debt management, and long-term planning. This service supports members in achieving financial stability through expert advice.
Zelle Transfers
Zelle integration allows fast, free money transfers to trusted contacts via email or phone number. Funds typically arrive within minutes, enhancing peer-to-peer payment efficiency. This service benefits members needing secure, instant digital transactions.
Questions
Who is eligible to join Beacon Financial Credit Union?
Eligibility extends to healthcare employees, volunteers, and contractors of Ballad Health and subsidiaries, along with family members including spouses, children, parents, and extended relatives.
What loan products does Beacon Financial offer?
We provide auto loans, personal loans, recreational vehicle financing, and signature loans with competitive rates tailored to members' needs.
How can I access mobile banking services?
Download the Beacon Financial mobile app or log into online banking to manage accounts, deposit checks, and control debit cards instantly.
Are there fees for using Zelle transfers?
No fees apply for sending money via Zelle through our mobile or online banking platforms.
What savings options are available?
We offer savings accounts, certificates with tiered rates up to 5.00% APY, money market accounts, and specialized youth accounts.
How many ATMs can I access without fees?
Members gain surcharge-free access to over 55,000 ATMs globally through the AllPoint Network.