Beacon Credit Union Johnson City TN | Best Auto Loans & ATM Services

Introduction

At Beacon Financial, we believe that financial services should be accessible, reliable, and tailored to meet the needs of our community. Located at 400 N State Of Franklin Rd, Johnson City, TN 37604, our branch has been serving members since 1953. With a proud history of supporting over 2,181 members, we are committed to fostering financial well-being through personalized banking solutions. While you can visit us at our main branch for all your banking needs, please direct any official correspondence to our mailing address at 1102 W Market St Ste 20, Johnson City, TN 37604. Our dedicated team is here to assist you with a range of services including checking and savings accounts, auto loans, mortgage options, and business banking solutions. As of now, Beacon Financial boasts total assets of $30,797,051 and total deposits reaching $1,721,212. We understand that trust is paramount in finance; that's why we maintain a strong net worth of $3,345,125 and keep $149,014 in cash on hand to ensure we can meet your needs promptly. Under the leadership of CEO John-Michael Nelms and Board President Shana Tate, our team of 12 employees is dedicated to providing exceptional service. We pride ourselves on being not just another financial institution but a cornerstone of the Johnson City community. Whether you're looking for personal loans or business financing options with competitive rates like our total loans amounting to 955 we have something for everyone. Our commitment to you extends beyond transactions; it's about building lasting relationships that enrich lives. Ready to take the next step? Visit us today or call us at 423-431-6361. Let's work together towards achieving your financial goals! For more information about our services, check out our website at beaconfcu.org.

Branch History & Mission

A Legacy of Growth

From our humble beginnings, we have consistently focused on meeting the evolving needs of our members. Over the decades, we've expanded our range of services to include personal banking options like checking and savings accounts, auto loans, mortgage loans, and more. In addition to traditional banking services, we also offer online and mobile banking capabilities, ensuring that our members can manage their finances anytime and anywhere. Our evolution reflects not only growth in numbers but also in our commitment to providing quality service. Today, we are proud to have a dedicated team of 12 employees who work tirelessly to support our members' financial goals.

Commitment to Service

Our branch operates Monday through Friday from 7:30 AM to 4:00 PM, making it easy for you to access the services you need. Whether you're looking for an ATM for quick cash withdrawals or seeking personalized advice on loans and investments, we've got you covered with full-service offerings designed with you in mind. As we look ahead, we remain committed to improving our services through digital advancements while ensuring ADA compliance so all members can benefit from what we offer.

Join Us Today!

We invite you to become part of our growing family at Beacon Financial. Experience firsthand how we blend financial services with community support. Visit us or check out our website at beaconfcu.org for more information about membership opportunities and services tailored just for you!

Mission Statement: Community First

At the heart of Beacon Financial is our mission: to enhance the financial well-being of our members while fostering community growth. We believe in empowering individuals through accessible financial solutions that make a real difference in their lives. Our focus extends beyond just banking; it includes supporting local initiatives and partnerships that strengthen the fabric of Johnson City. While members can visit us at 400 N State Of Franklin Rd Johnson City Tn 37604, official correspondence should be sent to 1102 W Market St Ste 20, Johnson City, TN 37604. We invite everyone in the community to experience what it means to be part of a credit union that genuinely cares.

Branch Location & Accessibility

Welcome to Beacon Financial, your trusted credit union in the heart of Johnson City, TN! Conveniently located at 400 N State Of Franklin Rd, our branch is easily accessible for all your banking needs. Whether you're stopping by to open a new account or seeking assistance with a loan, our friendly team is here to help. If you need to send us any official correspondence, please note that our mailing address is 1102 W Market St Ste 20, Johnson City, TN 37604. This ensures that we receive your documents promptly and can assist you without delay. Our branch is situated near popular landmarks, making it easy to find. With plenty of parking available, you can visit us without any hassle. We also take pride in being ADA compliant, ensuring that everyone can access our services comfortably. At Beacon Financial, we understand that time is valuable. That's why we offer convenient operating hours from 7:30 am to 4:00 pm on weekdays. While we don't have drive-thru banking at this location, we do provide an ATM for quick cash withdrawals and balance checks. Plus, our personal banking services include checking and savings accounts, auto loans, mortgage loans, and more! We invite you to come experience the welcoming atmosphere at Beacon Financial. If you have any questions or need further assistance, feel free to call us at 423-431-6361. We look forward to serving you!

Member Eligibility

Becoming a member of Beacon Financial feels like joining a welcoming family where your financial needs are truly understood. If you're looking to enjoy the benefits of personalized banking, you'll be happy to know that eligibility is designed to include many within our community. Generally, anyone who lives, works, worships, or attends school in the area can apply for membership. It's a simple process that opens doors to various financial services tailored just for you! To get started, check out the detailed eligibility criteria. We encourage you to reach out if you have any questions just give us a call at (423) 431-6361 and our friendly team will be ready to assist you. Once you're ready to join, opening an account is straightforward; you can find all the necessary information at https://www.beaconfcu.org/forms/. Your journey towards better banking starts here at Beacon Financial, located at 400 N State Of Franklin Rd Johnson City Tn 37604!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

We also recognize the importance of managing cash flow effectively. Our merchant services simplify transactions, allowing you to focus on what truly matters growing your business. Imagine seamlessly accepting payments from your customers while tracking sales effortlessly. With our solutions, you can streamline operations and enhance customer satisfaction. Located at 400 N State Of Franklin Rd Johnson City Tn 37604 in Johnson City, TN, we're here to partner with you every step of the way. Let's work together to turn your business aspirations into reality! For more information, call us at (423) 431-6361 or visit our website at Beacon Financial Credit Union.

Comprehensive List Of Services

Business Banking Solutions

For business owners, we offer specialized services such as merchant services and business loans. We understand how important it is for businesses to have reliable financial support. Whether you're looking to expand your operations or manage day-to-day expenses, our business banking team is ready to assist.

Call Us Today!

If you're ready to explore these exciting services or have any questions, don't hesitate to reach out! You can contact us at 423-431-6361 during our lobby hours from 7:30 AM to 4:00 PM Monday through Friday. At Beacon Financial, we're not just a credit union; we're a partner in your financial journey. Visit us today or check out our website at beaconfcu.org for more information!

Convenient Access

We know that convenience matters in today's fast-paced world. That's why we offer online and mobile banking features that allow you to manage your accounts anytime, anywhere. Need cash? Our ATM services enable quick withdrawals and balance checks without the hassle of long lines.

Credit Cards with Rewards

Looking for a credit card that gives back? Our credit cards come with rewards that let you earn points on everyday purchases. It's an excellent way to make your spending work for you while enjoying benefits like cashback or travel rewards.

Loans and Financing

When it comes to financing your dreams, we've got you covered! If you're in the market for a new car, our auto loans provide competitive rates and flexible terms that can fit any budget. Maybe you're thinking about purchasing a home? Our mortgage loans and refinancing options are designed to help you find the perfect plan for your situation. Additionally, if you need some extra cash for personal projects or debt consolidation, our personal loans can help simplify your financial journey.

Personal Banking

Whether you're looking to open a checking or savings account, Beacon Financial offers personal banking solutions designed for everyday life. Imagine having the ability to easily access your funds through online and mobile banking, allowing you to check balances and make transactions right from your phone. Our checking and savings accounts come with features that can help you save for future goals or manage daily expenses effortlessly.

Digital & Online Banking

Key Features

Our online banking platform at https://www.beaconfcu.org/ provides you with a user-friendly experience. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, with our electronic signature authorization feature, signing documents has never been easier or safer. For those who prefer going paperless, we offer e-statements that allow you to view and manage your account statements online. This not only helps you stay organized but also reduces clutter in your home.

Mobile Banking at Your Fingertips

With our mobile application available for download, you can take control of your finances right from your smartphone. Our app supports mobile payments, making it simple to pay for purchases directly from your account. You can also make person-to-person transfers with ease perfect for splitting bills with friends or sending money to family.

Security and Support

We prioritize your security while using our digital services. Our systems are designed to keep your information safe so that you can bank with confidence. If you ever have questions or need assistance, our dedicated team is just a phone call away at (423) 431-6361. Embrace the convenience of modern banking with Beacon Financial and enjoy real-time management of your accounts all while knowing that support is always here when you need it!

Financial Strength

At Beacon Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to highlight our strong financial health, which enables us to serve our community effectively and reliably. 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 10.84% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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. Our lending capacity is reflected in the $25,813,505 in total loans and leases provided to support members' financial goals across various sectors. Our efficiency is evident with a net income of $610,854, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. Total Share Accounts stand at 3,682, showing a strong and growing member base that trusts us with their finances. This trust reinforces our commitment to being your reliable partner for all your banking needs. 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 400 N State Of Franklin Rd Johnson City TN 37604 or call 423-431-6361 to learn more about how we can help you achieve 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.*

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. Whether you're purchasing a brand-new vehicle or a reliable used option, our auto financing solutions can make it easier for you.

Commercial Loans

For business owners seeking to expand or enhance their operations, our outstanding commercial loans total $196,502. We aim to provide the capital needed for businesses to grow and succeed within our community. 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 also offer refinancing options for those interested in reducing their current loan rates or consolidating debt. If you're curious about eligibility or want to explore how our loan products can benefit you further, please don't hesitate to reach out at 423-431-6361. Our team is ready to assist you with any questions you might have!

Credit Lines and Personal Financing

For those looking for flexibility in managing their finances, we offer total credit lines amounting to $2,500,000. These options allow you to access funds as needed while only paying interest on what you use. Additionally, we provide unsecured credit card loans designed to help you manage expenses effectively; however, currently we have $0 in unsecured credit card loans available.

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. We're here to support you through every step of the mortgage process, ensuring that your dream of owning a home becomes a reality.

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BEACON FINANCIAL CREDIT UNION - Johnson City, TN

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