Beacon Credit Union Johnson City TN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Beacon Financial, your trusted partner in banking, located at 300 Med Tech Pkwy, Johnson City, TN 37604. Established in 1953, we have been dedicated to serving our community for over 70 years. With a total membership of 2,181 and assets amounting to an impressive $30,797,051, we pride ourselves on providing a range of financial services tailored to meet the unique needs of our members. At Beacon Financial, we understand that your financial journey is important. That's why we offer personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our commitment extends to businesses too; with services like merchant banking and business loans, we're here to support the local economy. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 1102 W Market St Ste 20, Johnson City, TN 37604. Under the leadership of CEO John-Michael Nelms and Board President Shana Tate, our team of 12 dedicated employees is focused on delivering excellent service and fostering strong relationships within the community. We have a solid net worth of $3,345,125 and total deposits reaching $1,721,212, ensuring that your money is in safe hands. Whether you're looking for personal loans or considering options for your business financing, we're here to help. Don't hesitate to reach out by calling us at 423-302-1163 or visiting our website at Beacon Financial for more information. Your financial future starts with us!

Branch History & Mission

Community Commitment

Our commitment extends beyond just banking; it includes making a positive impact in Johnson City. Through partnerships with local organizations and outreach programs, we actively engage in initiatives that support education and economic development in our area.

Join Us

As we continue on this journey together, we invite you to become part of the Beacon Financial family. Experience firsthand how our member-focused approach can benefit you and help you achieve your financial goals. Whether you're looking for a new checking account or considering a loan for your next vehicle purchase, we're here for you every step of the way. Feel free to call us at 423-302-1163 or explore more about what we offer at beaconfcu.org. Join us today and let's build a brighter future together!

Our Journey

Beacon Financial started with a simple mission: to provide accessible and affordable financial services to our members. From modest beginnings, we have evolved into a comprehensive credit union that offers personal banking solutions such as checking and savings accounts, auto loans, mortgages, and business banking services. Our branch has seen many milestones along the way. Each year has brought new opportunities to expand our offerings and improve member experiences. Today, we not only focus on traditional banking services but also embrace digital advancements like online banking and mobile payments to meet the changing needs of our members.

Our Mission

At Beacon Financial, our mission is clear: we strive to empower our members through quality financial education and services while actively contributing to our local community. We believe that when our members succeed financially, the entire community thrives. We are dedicated to building lasting relationships based on trust and respect. We recognize the importance of being accessible to everyone in our community. That's why we ensure our facilities comply with ADA standards and offer essential services like ATM access for convenient cash withdrawals. While you can visit us at our main location for personalized service, official correspondence should be sent to 1102 W Market St Ste 20, Johnson City, TN 37604.

Branch Location & Accessibility

Call to Action

Ready to take the next step? Visit us at Beacon Financial today or give us a call at 423-302-1163. Our dedicated team looks forward to serving you and helping you achieve your financial goals!

Nearby Landmarks and Accessibility Features

Situated close to local landmarks and easily accessible from major roads, finding us is simple! Our branch features ample parking with ADA-compliant access, including ramps for those who need extra assistance. We believe everyone deserves easy access to their banking services, which is why we've made sure our location is welcoming for all.

Operating Hours and Services

At Beacon Financial, we understand that your time is valuable. That's why we're open Monday through Friday from 8:00 AM until 11:00 AM. During these hours, our friendly staff is ready to assist you with a variety of services including checking and savings accounts, auto loans, mortgage refinancing, and more. Plus, we offer ATM services for quick cash withdrawals and balance checks anytime you need them. While we currently do not have a drive-thru service available, we encourage you to come inside where our team is eager to help you face-to-face.

Member Eligibility

At Beacon Financial, we believe that becoming a member is like joining a caring family where your financial well-being comes first. If you're looking to join our community, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the Washington County area. It's our way of ensuring that we serve those who are part of our local community. You can easily find more details about eligibility by visiting our website at . Once you're ready to take the next step, opening an account with us is straightforward and welcoming. We offer various services tailored to meet your needs, from checking and savings accounts to loans and credit options. For all the details on how to get started, check out our account opening page at https://www.beaconfcu.org/forms/ . If you have any questions or need assistance along the way, don't hesitate to call us at (423) 302-1163. We're here to help you every step of the way as you embark on this exciting journey with Beacon Financial!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $196,502, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial support to purchase new equipment, hire additional staff, or expand your office space. Our loans are designed to give you the flexibility and resources needed to take your business to the next level.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial for any business. Our merchant services provide you with user-friendly payment solutions that make transactions seamless for both you and your customers. Whether you're running a brick-and-mortar store or an online shop, our services can help streamline operations and enhance customer satisfaction. Located at 300 Med Tech Pkwy Johnson City Tn 37604 in Johnson City, TN, we invite you to reach out at (423) 302-1163 to discover how our business banking services can support your goals. Let's work together to build a brighter future for your enterprise!

Comprehensive List Of Services

Auto Loans & Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are designed to help you get behind the wheel with confidence. Whether it's a brand-new model or a reliable used car, we offer competitive rates that fit your budget. Imagine driving off in your dream car while knowing you've secured an excellent deal!

Business Banking Services

For our business members, we provide essential services such as merchant services and business loans. Running a small business comes with unique challenges; having the right banking partner can make all the difference. We're here to support local businesses in achieving their goals.

Convenient Access and Support

Our branch also features an ATM for easy cash withdrawals, allowing you quick access to your funds without any hassle. With extended lobby hours from 8:00 AM to 11:00 AM on weekdays, we're available when you need us most. If you're interested in exploring these services further or have any questions about how we can assist you, please reach out at 423-302-1163 or visit us online at beaconfcu.org. Join us at Beacon Financial today and experience banking that works for you!

Home Sweet Home: Mortgage Solutions

If you're looking to purchase a home or refinance your current mortgage, our team is here to assist you every step of the way. We provide mortgage loans and refinancing options that are tailored to fit various budgets and financial situations. Picture yourself in a cozy new home, with manageable payments thanks to our supportive lending process.

Personal Banking Made Simple

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer checking and savings accounts that help you keep track of your money effortlessly. You can set up automatic transfers to build your savings without even thinking about it. Plus, our online and mobile banking services let you check balances, pay bills, and transfer funds anytime you need, right from your smartphone or computer.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation options to help you navigate those tough moments without stress. Whether it's for medical bills, home repairs, or anything else life may bring, our loans can give you the financial breathing room you need.

Rewarding Credit Card Options

Don't forget about our credit card offerings! Our credit cards with rewards allow you to earn points on everyday purchases whether you're filling up your gas tank or shopping for groceries. It's like getting paid for spending money!

Digital & Online Banking

Key Features

One of the standout features is our mobile application, making banking even more accessible. Whether you're waiting in line or relaxing at home, our app lets you manage your accounts right from your smartphone. Plus, with mobile payments enabled, you can make purchases quickly and securely without needing cash or cards. Need to send money to a friend? Our person-to-person transfer service makes it simple to send funds instantly. And if you're looking for an eco-friendly option, we offer e-statements that allow you to view and manage your financial documents digitally. Security is our top priority. We utilize electronic signature authorization for transactions, ensuring that your information is safe every step of the way. You can bank with confidence knowing that we take every measure to protect your personal data. In a world where time is precious, Beacon Financial is committed to providing you with user-friendly tools that help you stay organized and informed about your finances. Join us today and experience the ease of digital banking!

Financial Strength

Commitment to Financial Health

With a net worth of $3,345,125, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,084 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Dedicated Team to Serve You

We also take pride in having 12 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 3,682, showing a strong and growing member base that trusts us with their finances.

Investing in Our Members

With $1,253,674 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $258 in used auto loans and $25,813,505 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $610,854 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Partnering for Your Future

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Beacon Financial is your trusted partner. Visit us at 300 Med Tech Pkwy Johnson City Tn 37604 or call (423) 302-1163 to learn more about how we can help you achieve your financial goals.

Protecting Your Savings

Members' savings are secured through $7,648,115 in share certificates and $2,012,868 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,482,936, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,838,329 in used vehicle loans and $4,038,459 in new vehicle loans already helping members get on the road. We provide flexible terms to ensure that your car financing fits comfortably within your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $196,502 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and financial needs; therefore, we are dedicated to providing support where it counts most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,816,799, make buying or refinancing simple. Our team is here to assist you through every step of the process, making it easier than ever to secure your dream home.

Refinancing Options

If you're considering refinancing any existing loans or would like to explore eligibility options for our various loan products, please don't hesitate to ask us! We're here to help you make informed decisions that align with your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Beacon Financial, we are committed to providing transparent and accessible financial services tailored just for you. Visit us today or check out our website at beaconfcu.org for more information!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently our total in this category is $0, we are always exploring ways to enhance our offerings for our members looking for effective ways to manage their finances.

Loan Aggregator

Ensuring Accurate Comparisons

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BEACON FINANCIAL CREDIT UNION