Consumer Credit Union Johnson City TN | Affordable Auto Loans & Drive-Thru Banking

Introduction

At Consumer, located at 1919 N Roan St, Johnson City, TN 37601, we pride ourselves on being more than just a financial institution; we are a cornerstone of our community. Since our establishment in 1953, we have been dedicated to providing exceptional service and building lasting relationships with our 33,016 members. Our commitment to you is reflected in our impressive total assets of $622,434,895 and robust member deposits totaling $42,600,601. Our team of 78 employees, led by CEO Amanda Kilday and Board President Marcia Whaley, works tirelessly to ensure your banking experience is smooth and beneficial. We offer a wide range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Whether you're looking for a new vehicle or planning for your future, we've got you covered. While you can visit us at our Johnson City branch for all your banking needs, please note that official correspondence should be directed to the same address: 1919 N Roan St, Johnson City, TN 37601. We invite you to explore the many ways Consumer can help you achieve your financial goals. With a net worth of $60,952,908 and cash reserves of $7,255,806, you can trust that your finances are in safe hands. For any inquiries or assistance, don't hesitate to reach out at 423-434-2211. Join us today by visiting our website or stop by our branch! Your journey towards financial empowerment starts here.

Branch History & Mission

Community Commitment

We believe that being part of the community means giving back. Our partnerships with local organizations and initiatives demonstrate our dedication to supporting Johnson City's growth and development. Whether it's through financial education programs or local sponsorships, we're here to make a difference. As we look ahead, we invite you to join us on this journey of growth and support. Experience firsthand what makes Consumer Credit Union special. Together, let's build a financially secure future for you and your family! For more information or to become a member, call us at (423) 434-2211 or visit us online at Consumer Credit Union. Join us today!

Our Journey

Since opening our doors, Consumer Credit Union has evolved significantly. We began with a small group of dedicated individuals who believed in the power of community banking. Over the years, we have expanded our services and embraced technological advancements to better serve you. From personal banking solutions like checking and savings accounts to auto loans and mortgages, our offerings cater to all your financial needs. Our commitment to service is reflected in our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM, making it convenient for you to visit us. We also provide ATM access and drive-thru banking for added ease.

Our Mission

At the heart of Consumer Credit Union lies our mission: to provide exceptional financial services while uplifting our community. We strive to empower members by offering competitive loan products, rewarding credit cards, and personalized banking solutions. Our focus is not just on transactions but on building lasting relationships that contribute positively to your financial journey. While members can visit us at 1919 N Roan St Johnson City Tn 37601, official correspondence should be sent to 1919 N Roan St, Johnson City, TN 37601 if it's different from the branch address. We also take pride in being ADA compliant and ensuring that everyone can access our services without barriers.

Branch Location & Accessibility

Accessibility Features

Our branch is committed to ensuring all members have access to our services. With ADA-compliant features and ramps, we strive to provide a welcoming environment for everyone. Whether you're visiting for a quick transaction or need assistance with your accounts, our friendly staff is always ready to help.

Finding Us

While our physical branch address is 1919 N Roan St, official correspondence should be directed to the same address for your convenience. You'll find us easily accessible with ample parking available right outside our doors, making it simple for you to pop in and take care of your banking needs.

Get In Touch

Ready to experience the benefits of being a member? Give us a call at 423-434-2211 or stop by today! Our team at Consumer Credit Union looks forward to serving you and helping you achieve your financial goals. Visit us soon at Johnson City Service Center!

Operating Hours

We understand that life can get busy! That's why our lobby hours are designed to fit your schedule: Monday through Thursday from 9:00 AM to 5:00 PM and Friday until 6:00 PM. We're here when you need us most!

Services Offered

At Consumer Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. If you're on the go, enjoy the convenience of our drive-thru banking for quick deposits or withdrawals. Plus, our ATM is available for easy cash access whenever you need it.

Member Eligibility

At Consumer, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to those who live, work, worship, or attend school in our local area. We also invite immediate family members of current members to join us. Our friendly team is ready to assist you through the membership process, making it easy and straightforward. By choosing Consumer, you gain access to a variety of financial services tailored to your needs, from personal banking to loans and much more. To get started, check out the detailed eligibility criteria on our website at https://consumercreditunion.com/membership-benefits/ . If you're ready to take the next step, opening an account with us is just a click away at https://www.consumercreditunion.com/open-an-account/ . Feel free to reach out with any questions at (423) 434-2211; we're here for you! Join us today and discover the benefits of being part of the Consumer family at our branch located at 1919 N Roan St Johnson City Tn 37601.

Business Banking & Commercial Services

Commercial Loans That Empower Your Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $173 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $110,415,994, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that help you manage transactions smoothly. Imagine being able to accept payments easily from customers, whether they pay with cards or mobile wallets. This convenience not only enhances customer satisfaction but also streamlines your operations. At Consumer, we're here to ensure you have the tools necessary to thrive in today's competitive market. Visit us at 1919 N Roan St Johnson City Tn 37601 in Johnson City, TN, or call us at (423) 434-2211 to learn more about how our business banking and commercial services can work for you!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and small businesses, we offer comprehensive business banking services including merchant services and business loans. We know how important it is to have financial tools that empower your business growth. Our team can assist you in finding the best solutions tailored just for you.

Convenient Access

We make it easy for our members to access their accounts with features like ATM services available at our branch and basic drive-thru banking for quick deposits or withdrawals. Whether you're stopping by after work or during lunch breaks, we're here to serve you during convenient hours: Monday through Thursday from 9:00 AM to 5:00 PM and Friday from 9:00 AM to 6:00 PM. At Consumer, we strive to provide a welcoming atmosphere where all members feel valued and supported in their financial journeys. For more information about any of these services or to open an account today, give us a call at (423) 434-2211 or visit us online at https://consumercreditunion.com/ . Let us help you achieve your financial goals!

Home Financing Options

Are you dreaming of owning a home? Our mortgage loans and refinancing options can help turn that dream into reality. We guide you through the process, making it straightforward and stress-free. With competitive rates and personalized service, we ensure you feel confident in your home-buying journey.

Loans for Every Need

Sometimes life throws surprises your way, and that's where our personal loans and debt consolidation services come in handy. Whether it's for home improvements or managing existing debts, we provide flexible solutions that fit your budget. Additionally, our credit cards with rewards allow you to earn points while you spend great for those who love to travel or shop!

Personal Banking Solutions

For individuals and families, we offer personal banking services that include checking and savings accounts designed for everyday use. Imagine being able to manage your finances easily with access to online and mobile banking at your fingertips. You can check your balances, pay bills, and transfer funds anytime, anywhere. Plus, if you're considering buying a car or need cash for unexpected expenses, our auto loans and vehicle financing make it simple to get on the road quickly.

Digital & Online Banking

Key Services Offered

With our user-friendly online banking features, you can check your account balances, view transaction history, and transfer funds in real-time all from the comfort of your device. Need to send money to a friend or family member? Our person-to-person transfer option makes it quick and simple to share funds with just a few taps. If you prefer using your smartphone, our mobile application provides all the functionalities you need right at your fingertips. From making payments to checking your statements, everything is designed for ease of use. Plus, with our mobile payments feature, paying for purchases has never been more straightforward just tap and go!

Security You Can Trust

We prioritize your security. While we don't currently offer electronic signature authorization, rest assured that every transaction you make through our digital platforms is protected by robust security measures. Your financial information is safe with us. For those who want to stay organized, we provide e-statements so you can easily access your account documents anytime without the clutter of paper statements. It's not just about convenience; it's also about taking steps toward sustainability. In summary, whether you're looking for a reliable way to manage your daily banking needs or seeking innovative tools for financial management, Consumer has got you covered. Join us today and experience banking tailored for today's lifestyle!

Financial Strength

Committed to Growth

With $56,410,660 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 robust, supporting your financial goals across various sectors with $2,019 in used auto loans and a total of $425,763,202 in loans and leases.

Growing Together

Our net shares amount to $9,713, indicating funds available for lending and investments. We proudly support a strong member base with a total of 56,340 share accounts, showing that more people trust us with their finances every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Consumer is your trusted partner. Visit us at 1919 N Roan St Johnson City Tn 37601 or call (423) 434-2211 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $230,955,624 in share certificates and $17,436,313 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $213,013, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to efficiency is evident in our $1,208,166, which reflects our operational excellence and enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 72 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $60,952,908, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $979 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $37,081,114 in used vehicle loans and $29,342,492 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles.

Business Financing

For business owners, our outstanding commercial loans totaling $110,415,994 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and aim to offer solutions that align with your vision. At Consumer Credit Union, we prioritize transparency and accessibility for all our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in learning more about how we can assist you with any of these loan products or would like to explore eligibility options further, please visit our website or contact us directly. Your journey towards financial empowerment starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,402,059, make buying or refinancing simple. We guide you through each step of the process and offer refinancing options that can help lower your monthly payments or access cash from your home's equity.

Unsecured Credit Card Loans

For those looking to manage their finances more effectively, we also offer flexible terms on unsecured credit card loans. With a total of $865,844 in loans available, our credit cards come with rewards that benefit your everyday spending.

Loan Aggregator

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CONSUMER CREDIT UNION