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

Introduction

At Greater Eastern, we believe that banking is more than just transactions it's about building lasting relationships within our community. Located at 105 Mountain Home Dr, Johnson City, TN 37604, our branch has proudly served members since 1952, fostering a sense of trust and reliability for nearly 70 years. With a membership base of over 3,985 individuals, we are committed to providing personalized financial solutions tailored to your unique needs. While you can visit us at our physical location, please note that all official correspondence should be sent to PO Box 5130, Johnson City, TN 37602. Our branch is equipped with friendly staff and essential services, including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. As of now, we manage total assets of $54,522,637, ensuring your deposits are safe and secure. Our total deposits stand at $4,415,398, while our net worth is an impressive $7,917,331. We take pride in our ability to support our members' financial journeys with a total loan portfolio of 2,370 loans. With cash in hand amounting to $749,659, we are ready to help you achieve your financial goals. Our leadership team is dedicated to enhancing your banking experience. CEO Samantha Cantrell and Board President Lynice Broyles work tirelessly to ensure that Greater Eastern remains a reliable partner for all your financial needs. Whether you're looking to open a new account or need assistance with a loan application, we're here for you! Feel free to call us at 423-283-6853 or visit our website at www.greatereastern.org for more information. Join us today and experience the difference that a member-focused credit union can make in your financial life!

Branch History & Mission

Join Us

We invite you to experience the many benefits of being a member at Greater Eastern. Whether you're looking for a reliable place for your savings or need assistance with loans, we are here for you. Visit us during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM or call us at 423-283-6853 for more information. Join us today and become part of a community-focused credit union dedicated to your financial success! Explore our services further on our website: Greater Eastern.

Our Journey

Since our inception, we have focused on providing accessible financial services tailored to the needs of our members. Our commitment has been unwavering; from offering personal banking options to facilitating auto loans and mortgages, we strive to meet the diverse needs of our community. Each milestone we've reached reflects not just growth but a deep-rooted dedication to serving our members with integrity and respect. As we celebrate decades of service, we also embrace modern advancements. Today, you can access your accounts through online banking and mobile apps making it easier than ever to manage your finances on the go. We ensure that all our services comply with ADA standards so that everyone can easily access what they need.

Our Mission

Our mission is straightforward: to enhance the financial well-being of our members while supporting the community around us. At Greater Eastern, we believe that banking should be more than just transactions; it should be about building relationships and fostering growth. We actively participate in community outreach programs and partnerships that uplift those in need. By investing in local initiatives, we aim to create a positive impact beyond mere financial transactions. While members can visit us at 105 Mountain Home Dr, official correspondence should be sent to PO Box 5130, Johnson City, TN 37602.

Branch Location & Accessibility

Accessibility Features

At our branch, we prioritize accessibility for all members. You will find ample parking spaces, including spots designated for those with disabilities. Our building is equipped with ADA-compliant features, ensuring everyone can navigate comfortably.

Operating Hours

We're open Monday through Thursday from 8:30 AM to 5:00 PM and on Friday until 5:30 PM, making it easy for you to drop by after work or during your lunch break. Whether you need assistance with personal banking services like checking accounts, auto loans, or credit cards with rewards, our friendly team is ready to help!

Services Offered

Beyond just banking hours, we also provide convenient ATM access and drive-thru services for quick transactions like deposits and withdrawals. With options for online and mobile banking available, managing your finances has never been easier. While members can visit us at 105 Mountain Home Dr Johnson City Tn 37604, official correspondence should be sent to PO Box 5130 in Johnson City, TN. If you have any questions or want to learn more about how we can assist you, don't hesitate to call us at (423) 283-6853. We look forward to welcoming you into our branch soon!

Member Eligibility

Becoming a member of Greater Eastern is like joining a caring community where your financial needs are understood and prioritized. If you live, work, worship, or attend school in the area around 105 Mountain Home Dr Johnson City Tn 37604, you're likely eligible to join us! We welcome individuals from all walks of life, so whether you're looking for personal banking solutions or business services, there's a place for you here. Membership at Greater Eastern not only opens doors to great financial products and services but also gives you access to a supportive network that truly cares about your success. To get started on your journey with us, simply visit our website for detailed eligibility criteria at . Opening an account is easy and straightforward; just follow the steps outlined at https://my.homecu.net/fi/greater/lnappfrm.html . If you have any questions or need assistance, don't hesitate to reach out to us at (423) 283-6853. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services for Everyday Operations

Beyond loans, we offer merchant services that simplify payment processing, allowing you to focus on what you do best running your business. Imagine a busy restaurant where patrons can pay seamlessly with their cards or mobile wallets; that's the kind of convenience our services provide. Located at 105 Mountain Home Dr Johnson City Tn 37604 in Johnson City, TN, our team is dedicated to finding the right solutions tailored to your business needs. Reach out to us at (423) 283-6853 to explore how we can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. This funding has made a difference for local entrepreneurs who are passionate about their vision. - With an outstanding commercial loan portfolio of $72,251, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

A Community-Focused Approach

At Greater Eastern, we believe in building lasting relationships with our members. Our friendly staff is here to guide you through any questions or concerns you might have about our offerings. You can reach us at 423-283-6853 during our lobby hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. We invite you to explore how Greater Eastern can support your financial goals. Visit us today or check out more about our services on our website here. Your financial success starts here!

Accessing Your Funds

We also prioritize accessibility with our convenient ATM services, allowing for easy cash withdrawals and balance checks right when you need them. Plus, our basic drive-thru banking enables quick deposits and withdrawals without leaving your car.

Business Banking Services

For local business owners, we understand the unique challenges you face. That's why we offer tailored solutions like merchant services and various types of business loans designed to help your business thrive.

Digital Banking Convenience

In today's fast-paced world, having access to your financial information whenever you need it is crucial. Our comprehensive online and mobile banking platforms allow you to check balances, transfer funds, and pay bills at your convenience. With features like person-to-person payments, sending money to friends or family has never been easier.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you keep track of your money effortlessly. If you're planning to buy a car, our auto loans and vehicle financing options provide flexible terms to fit your budget. For those looking to purchase a home or refinance an existing mortgage, our competitive mortgage loans can make that dream a reality. Need cash for unexpected expenses? Our personal loans and debt consolidation services can help you regain control of your finances without the stress. Plus, with our credit cards that offer rewards, every purchase gets you closer to exciting benefits.

Digital & Online Banking

Key Features

Our digital banking offerings include electronic signature authorization, which allows you to sign documents securely and quickly from anywhere. Say goodbye to printing and scanning your time is valuable, and we're here to save it! Additionally, e-statements are available for those who prefer a paperless option. This not only helps the environment but also keeps your records organized and easily accessible. If you like sending money to friends or family, you'll appreciate our person-to-person transfers feature. It's fast and straightforward perfect for splitting a dinner bill or sending a little extra cash when needed. For those who enjoy using their phones for everything, our mobile application is available too! You can download it and manage your accounts right from your smartphone. While mobile payments aren't available just yet, we continue to explore options that will enhance your banking experience even further. At Greater Eastern, we prioritize your security with robust measures in place for all online transactions. You can bank confidently knowing that your information is protected while enjoying the ease of real-time account management. Embrace the future of banking with us today!

Financial Strength

Commitment to Growth

With $4,540,355 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $616 in used auto loans and $36,929,676 in total loans and leases.

Growing Membership Trust

Total Share Accounts: 7,258, showing a strong and growing member base that trusts us with their finances. This trust is vital for maintaining the robust services you expect from us. In summary, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Greater Eastern is your trusted partner. Visit us at 105 Mountain Home Dr Johnson City Tn 37604 or call (423) 283-6853 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.

Member-Centric Savings Options

Members' savings are secured through $4,230,430 in share certificates and $11,199,010 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reflecting Operational Efficiency

Our $199,378 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 18 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $7,917,331, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,449 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 $10,309,419 in used vehicle loans and $6,986,897 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used car, our flexible terms can make it easier for you to drive away satisfied.

Business Loans

For business owners, our outstanding commercial loans totaling $72,251 provide the capital needed to grow and expand. We know that running a business comes with its own set of challenges, and we're committed to supporting local entrepreneurs with practical financing solutions.

Credit Lines

In addition to our standard loan products, we also offer credit lines totaling $6,500,000. These lines can serve as a safety net for your finances giving you access to funds when you need them most. At Greater Eastern Credit Union, we prioritize making the lending process straightforward and accessible. If you're considering refinancing options or want more information about eligibility for any of our loan products, don't hesitate to reach out! You can contact us at 423-283-6853 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 8:30 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,625,718, make buying or refinancing simple. We're here to guide you through the process so you can find the right loan for your situation.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $1,312,264 in loans helping members manage their finances effectively. This can be an excellent option if you're looking for ways to build credit or handle unexpected expenses without putting additional strain on your budget.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to compliance guarantees that users receive fair and transparent offers. One key benefit of using LendMesh is Verified Data. All loan offers are sourced from legitimate financial institutions, which enhances transparency and trustworthiness in the comparison process. Furthermore, LendMesh operates without Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the platform's focus remains solely on providing unbiased results for all users. In addition to this integrity, LendMesh provides Real-Time Rate Comparisons. This means users can access up-to-date loan rates from multiple institutions, allowing them to make informed decisions that suit their financial needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

GREATER EASTERN CREDIT UNION