Beacon Credit Union Johnson City TN | Low Mortgage Rates & Business Banking

Introduction

Welcome to Beacon Financial Credit Union, your trusted partner in achieving financial well-being since 1953. Located conveniently at 1102 W Market St Ste 20, Johnson City, TN 37604, we pride ourselves on delivering personalized banking solutions tailored to meet your unique needs. With a total membership of 2,181 and assets amounting to an impressive $30,797,051, we are committed to serving our community with integrity and dedication. At Beacon Financial, we understand that every member's journey is different. That's why we offer a wide range of services, from personal banking and auto loans to business financing options. Our goal is to empower you with the tools and support necessary for financial success. Whether you're looking to save for your future or need assistance with a loan, our knowledgeable team is here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to the same address: 1102 W Market St Ste 20, Johnson City, TN 37604. We are here for you Monday through Friday from 7:30 am to 5:30 pm, ready to assist you with all your banking needs. Led by CEO John-Michael Nelms and Board President Shana Tate, our dedicated team of 12 employees works hard each day to ensure that your experience with us is exceptional. We believe in building strong relationships within our community and have fostered a culture of trust and reliability since our inception. Join us at Beacon Financial Credit Union today! Call us at 423-975-0025 or visit our website at beaconfcu.org to learn more about how we can help you achieve your financial goals. Let's build a brighter financial future together!

Branch History & Mission

Community Focus

We are deeply committed to giving back to the community that has supported us throughout the years. Our partnerships with local organizations reflect our commitment to community outreach and engagement. Whether it's sponsoring local events or providing financial education workshops, we believe that together we can make a meaningful difference in the lives of those around us.

Join Us Today

If you're looking for a credit union that genuinely cares about your financial well-being and community involvement, look no further than Beacon Financial. Join us today and discover how we can help you achieve your financial dreams while supporting our shared mission of growth and empowerment in Johnson City! For inquiries or assistance, feel free to reach out at 423-975-0025 or visit us online at Beacon Financial.

Our Evolution

From our humble beginnings, we have continuously evolved to meet the changing needs of our members. With total assets now reaching an impressive $30,797,051, we have expanded our range of services significantly. Initially focused on basic banking needs, we now offer personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. We also pride ourselves on embracing technology; today, members can enjoy online and mobile banking options for added convenience.

Our Mission

At the core of Beacon Financial's mission is a dedication to uplifting our community through financial empowerment and support. We believe that everyone deserves access to quality financial products and educational resources. Our goal is not only to provide excellent service but also to foster economic growth and stability within Johnson City and beyond. We strive to be more than just a credit union; we aim to be a pillar of support for all our members. Our branch operates Monday through Friday from 7:30 AM to 5:30 PM, providing ample opportunity for you to visit us whether it's for a quick transaction at our drive-thru or a more detailed discussion about your financial goals inside our lobby. And yes, we have ATM availability too! While members can visit us at 1102 W Market St Ste 20 Johnson City Tn 37604, official correspondence should be sent to 1102 W Market St Ste 20, Johnson City, TN 37604.

Branch Location & Accessibility

Accessibility and Amenities

At Beacon Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities and convenient parking options. If you prefer to bank on the go, we offer drive-thru banking services for quick transactions without leaving your vehicle. For those who need access to cash or wish to manage their accounts on-site, our ATM is available for easy withdrawals and balance checks.

Contact Us

Have questions? Don't hesitate to reach out! You can give us a call at 423-975-0025 or visit us in person at our branch. We look forward to welcoming you into the Beacon Financial family!

Operating Hours

We are here for you during the week! Our lobby hours run from 7:30 AM to 5:30 PM, Monday through Friday. Whether you want to open an account, apply for a loan, or simply ask a question about our services, our friendly staff is ready to assist you.

Services Offered

At Beacon Financial, we provide a variety of personal and business banking services including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and more. Our online and mobile banking platforms ensure that you can manage your finances anytime, anywhere.

Member Eligibility

At Beacon Financial, we're excited to welcome you into our community! Becoming a member is simple and open to anyone who lives, works, worships, or attends school in Washington County, TN. This means that if you're part of our vibrant local community, you can join us and enjoy the benefits of membership. With us, you gain access to a range of financial services tailored just for you like personal banking options, auto loans, and credit cards with rewards. The process is straightforward; just visit us at 1102 W Market St Ste 20, Johnson City, TN 37604, or give us a call at 4239750025 for more details. For the most current eligibility criteria and to start your journey with us, check out our website at https://www.beaconfcu.org/. We look forward to having you as part of our family!

Business Banking & Commercial Services

Commercial Loans

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

Imagine having the tools you need to accept payments easily from your customers. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to online payment options, we equip you with everything you need to enhance customer experience and improve cash flow. Located at 1102 W Market St Ste 20, Johnson City, TN 37604, we're here to help your business thrive. For more information, call us at 423-975-0025 or visit our website at beaconfcu.org. Let's work together to achieve your business goals!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

For those considering a new vehicle, our auto loans and vehicle financing options make it easy to drive away in the car of your dreams. With competitive rates and flexible terms, we aim to get you behind the wheel without breaking the bank. Plus, imagine the convenience of applying online from home!

Business Banking

For entrepreneurs, our business banking services, including merchant services and business loans, are designed to support your growth. We know running a business comes with challenges; that's why we're here to offer solutions that fit your unique situation.

Convenience Services

To enhance your banking experience further, we provide various convenience services such as ATM access, cash withdrawal services, and basic drive-thru banking for deposits and withdrawals. We aim to ensure that accessing your funds is as effortless as possible. In today's fast-paced world, having reliable financial tools at your fingertips is essential. At Beacon Financial Credit Union located at 1102 W Market St Ste 20 Johnson City TN 37604, we prioritize providing these essential services while maintaining a personal touch. Our friendly staff is ready to assist you at any time during our operating hours from 7:30 am to 5:30 pm. Feel free to reach us at 423-975-0025 if you have questions or want more information about how we can serve you better! Join us today and experience banking made easy!

Credit Cards with Rewards

Our credit cards with rewards are another fantastic option for everyday purchases. Earn points for shopping, dining out, or traveling rewards that can benefit you in meaningful ways. Plus, managing your credit card account online makes tracking spending simple.

Mortgage Loans and Refinancing

Homeownership is within reach with our mortgage loans and refinancing services. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our team is here to guide you every step of the way. We understand that buying a home is one of life's biggest investments; that's why we strive to make the process as straightforward as possible.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your money effectively. Imagine having the peace of mind that comes with knowing your funds are secure while also earning interest. You can easily access your accounts through our user-friendly online and mobile banking services, allowing you to check balances, transfer funds, and pay bills right from your phone.

Personal Loans and Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans provide a quick solution. By combining multiple debts into one manageable payment, you can reduce stress and focus on what matters most.

Digital & Online Banking

Accessibility and Ease of Use

Whether you're looking to make mobile payments or check your balance, everything is just a few taps away. With Beacon Financial, banking isn't just about transactions; it's about empowering you with real-time account management tools that fit into your busy lifestyle. Join us at Beacon Financial and experience how our digital banking services can enhance the way you manage your money! Visit us today at https://www.beaconfcu.org/ for more information or to get started with online banking.

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever it suits you. If you're on your mobile device, our mobile application makes it even simpler to manage your account. You can easily send money to friends and family through our person-to-person transfer feature, making those quick payments effortless. Security is a top priority for us. We use electronic signature authorization to ensure that all your transactions are protected. Plus, our e-statements provide a secure way to access your financial documents without the clutter of paper statements.

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 share that our strong financial foundation positions us as a reliable partner for your financial journey. With a net worth of $3,345,125, we maintain robust 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 impressive; we have $25,813,505 in total loans and leases, including $258 in used auto loans to support your financial goals across various sectors. Our operational efficiency is reflected in our 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 ready to serve you with a knowledgeable and committed team. Our total share accounts stand at 3,682, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $1,443,897, we are well-equipped to meet your needs now and in the future. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 1102 W Market St Ste 20 Johnson City TN 37604 or call 423-975-0025 to learn more about how we can help you achieve your financial goals.

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 also provide flexible refinancing options to ensure you find a plan that fits your budget.

Commercial Loans

For business owners, our outstanding commercial loans totaling $196,502 provide the capital needed to grow and expand your business. Whether you're launching a new project or need additional resources for daily operations, our team is ready to assist you. At Beacon Financial, we prioritize transparency and accessibility in all our offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For any questions or assistance regarding our loan products or eligibility requirements, feel free to reach out to us at 423-975-0025 or visit us at 1102 W Market St Ste 20 Johnson City TN 37604. Your journey toward financial success starts here!

Credit Lines and Personal Loans

If you require additional flexibility in managing your finances, consider our credit lines which total $2,500,000. This option allows you to access funds as needed while only paying interest on what you use. Additionally, we offer unsecured credit card loans designed to help members manage their expenses effectively.

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 guide you through every step of the process, ensuring you have all the support you need.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all offers presented are fair and transparent, giving users confidence in their choices. LendMesh stands out for several reasons: - Verified Data: All loan offers come from legitimate financial institutions, ensuring users receive trustworthy information. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive experiences many have had using the platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

BEACON FINANCIAL CREDIT UNION - Johnson City, TN

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Loan rates in Johnson City, TN (37604)

Introduction

Branch History & Mission

Community Focus

Join Us Today

Our Evolution

Our Mission

Branch Location & Accessibility

Accessibility and Amenities

Contact Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loans

Merchant Services

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Business Banking

Convenience Services

Credit Cards with Rewards

Mortgage Loans and Refinancing

Personal Banking

Personal Loans and Debt Consolidation

Digital & Online Banking

Accessibility and Ease of Use

Key Features

Financial Strength

Loan Offering

Auto Loans

Commercial Loans

Credit Lines and Personal Loans

Mortgage Loans

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

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