Northeast Community Credit Union Johnson City TN | Best Auto Loans & Personal Banking

Introduction

Welcome to Northeast Community, your trusted financial partner located at 313 W Oakland Ave, Johnson City, TN 37604. Established in 1952, our credit union has grown to serve a vibrant community of over 12,775 members. With a solid foundation and a commitment to putting our members first, we offer a range of financial services designed to meet your needs. At Northeast Community, we're proud to manage total assets of $177,509,963, ensuring your money is safe and secure. Our dedication extends beyond numbers; we aim to make a positive impact in our community. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with loans auto financing, mortgages, or credit cards with rewards we are here for you. Our team, led by CEO Teresa Arnold and Board President Vickey Broyles, consists of 44 employees who are passionate about helping you achieve your financial goals. We're not just a bank; we're your neighbors dedicated to serving the people of Johnson City and beyond. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 313 W Oakland Ave, Johnson City, TN 37604. With total deposits amounting to $25,028,281 and cash in hand of $4,772,839, we have the resources to support our members effectively. Our robust portfolio includes 3,025 loans and leases, making us well-equipped to assist you with various financial solutions. If you're ready to take the next step towards better financial health or if you have any questions about our services, please don't hesitate to reach out. You can call us at 423-722-6228 during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5 PM. We invite you to explore what Northeast Community has to offer by visiting our website at BeMyCU.org. Join us today and experience the difference that a member-focused credit union can make!

Branch History & Mission

A Commitment to Service

Our leadership team, headed by Teresa Arnold as CEO and Vickey Broyles as Board President, is dedicated to maintaining a culture that prioritizes member satisfaction. We believe in transparency and integrity in all our dealings, which has helped us build trust within the community. As we look towards the future, we remain committed to enhancing our services while ensuring they are accessible for everyone. Whether you need help with saving for your dream home or want advice on budgeting wisely, we are here for you every step of the way. Join us at Northeast Community experience firsthand how we can support your financial goals while working together for a stronger Johnson City. Discover more about us by visiting BeMyCU.org or give us a call at 423-722-6228. Let's grow together!

Our Evolution

From our humble beginnings, Northeast Community has evolved significantly over the decades. Initially focused on basic banking services, we have expanded to offer a comprehensive range of products including auto loans, mortgage loans, personal loans, and business banking solutions. Our commitment to adapting to the changing needs of our members is evident in our modern services like online banking and mobile applications that make managing finances easier than ever. While members can visit us at 313 W Oakland Ave for all their banking needs, official correspondence should be sent to the same address. We pride ourselves on being accessible and responsive to our members' inquiries.

Our Mission

At Northeast Community, our mission goes beyond just providing financial services; it is about empowering individuals and strengthening the community. We strive to create lasting relationships with our members by offering personalized service tailored to their unique situations. Our focus on community outreach is reflected in various initiatives that support local events and organizations. We are proud to offer features such as drive-thru banking for convenience and ATM availability for easy access to cash. Our operating hours are designed with our members in mind: Monday through Thursday from 8:30 AM to 4:30 PM and Fridays from 8:30 AM to 5 PM.

Branch Location & Accessibility

Welcome to the Northeast Community branch, your friendly neighborhood credit union located at 313 W Oakland Ave in Johnson City, TN. Our branch is nestled in a vibrant area that's easy to find, just a stone's throw away from the bustling local shops and eateries. Whether you're stopping by after a bite or on your way to explore nearby parks, we're here to serve you. At our Johnson City Branch, we prioritize accessibility for all members. Our facility is designed with ADA compliance in mind, featuring ramps and ample parking to ensure everyone can enjoy our services without hassle. If you prefer the convenience of banking from your car, take advantage of our drive-thru service, where you can easily make deposits and withdrawals. We know that your time is valuable, which is why we offer flexible operating hours. Our lobby is open Monday through Thursday from 8:30 AM to 4:30 PM and Fridays until 5 PM. This makes it convenient for you to visit us before or after work or during lunch breaks. Plus, our ATM is available around the clock for those quick cash needs. Should you need to reach out to us before visiting, don't hesitate to give us a call at 423-722-6228. Our friendly team is always ready to assist with any questions or concerns you may have regarding our personal banking services, auto loans, mortgage options, and more. While members can visit us at 313 W Oakland Ave, official correspondence should be sent to the same address for clarity and convenience. We invite you to stop by and discover how we can help make your financial journey smoother and more rewarding!

Member Eligibility

At Northeast Community, we believe that everyone deserves a chance to be part of something special. Becoming a member is not just about opening an account; it's about joining a caring community that supports your financial journey. If you live, work, or worship in the Johnson City area, you're already on the right path! We welcome individuals from various backgrounds, making it easy for you to find a place here. To learn more about the specific eligibility requirements, feel free to check out our detailed information at this link. Joining us at Northeast Community comes with fantastic benefits, including access to personalized banking services tailored to meet your needs. Whether you're interested in checking and savings accounts, auto loans, or even credit cards with rewards, we have something for everyone. Ready to take the next step? Opening an account is simple and straightforward. Just give us a call at (423) 722-6228, or stop by our branch located at 313 W Oakland Ave Johnson City Tn 37604 during our friendly operating hours. We can't wait to welcome you into our family!

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 $12 in commercial loans for our members, helping businesses scale and succeed. Imagine a local café expanding its space to accommodate more customers or a contractor purchasing new equipment to take on larger projects. These dreams become attainable with the right financial backing.

Merchant Services

In addition to loans, we provide essential merchant services that make daily operations smoother for business owners. Whether it's processing payments seamlessly or managing transactions efficiently, we equip your business with tools that enhance customer experiences and streamline operations. With an outstanding commercial loan portfolio of $981,367, we continue to drive economic growth by financing new and expanding businesses throughout the community. If you're ready to take your business to the next level, visit us at 313 W Oakland Ave Johnson City Tn 37604 or call us at (423) 722-6228. Together, let's turn your business goals into reality!

Comprehensive List Of Services

ATM & Drive-Thru Services

We also provide ATM access for quick cash withdrawals and balance checks without the hassle of entering the branch. Our drive-thru service makes deposits, withdrawals, and simple transactions fast and easy for those busy days when you need to be in and out quickly. At Northeast Community, we strive to create an inviting atmosphere where you feel valued as a member. Our knowledgeable staff is always ready to assist you with any questions or concerns. If you're ready to explore all these wonderful services further or if you want to speak with someone about how we can assist you better, please call us at 423-722-6228. We look forward to serving you!

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans. We know how important it is to have reliable financial support when running a business, so we're here to help you thrive.

Credit Cards and Rewards

Don't forget about our credit cards with rewards! You can earn points while making everyday purchases, which adds extra value to your spending habits.

Online & Mobile Banking

We pride ourselves on offering modern conveniences like online and mobile banking. With just a few clicks or taps on your smartphone, you can access your accounts anytime, anywhere. Need to check your balance or transfer funds? It's all at your fingertips!

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your day-to-day finances effectively. Imagine easily depositing your paycheck and watching your savings grow with competitive interest rates. We also offer auto loans and vehicle financing options that make getting behind the wheel of your dream car simple and affordable. If homeownership is on your mind, consider our mortgage loans and refinancing options. We understand that buying a home is a big step, which is why we provide guidance every step of the way. For those looking to consolidate debt or cover unexpected expenses, our personal loans can help ease financial stress.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is at your fingertips. Our user-friendly platform makes it simple to manage your finances without the hassle of traditional banking hours.

E-Statements and Electronic Signatures

Say goodbye to paper statements! We provide e-statements that let you view your financial documents online whenever you need them. Plus, with electronic signature authorization available, signing important documents is quicker and more efficient than ever.

Mobile Application Access

For those on the go, our mobile application makes banking even more convenient. Easily download our app to manage your accounts directly from your smartphone. It's perfect for checking balances, making deposits, and staying updated on transactions right from the palm of your hand.

Secure Transactions and Transfers

While we don't currently offer person-to-person transfers or mobile payments, rest assured that all other transactions through our digital services are protected with top-notch security measures. Your safety is our priority. With these digital and online banking features at Northeast Community, you can take charge of your finances in a way that fits your lifestyle. Enjoy easy access and peace of mind knowing that managing your money has never been easier!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 25,754, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $5,206,711, which reinforces our ability to provide support when you need it most. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northeast Community is your trusted partner. Visit us at 313 W Oakland Ave Johnson City Tn 37604 or call (423) 722-6228 to learn more about how we can help you achieve your financial goals.

Innovative Growth

With $25,937,736 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 members' financial goals across various sectors with $1,054 in used auto loans and $90,536,885 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $14,937,810 in share certificates and $4,196,691 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.

Operational Efficiency

Our operational efficiency is reflected in our $1,742,352, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 42 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $28,463,378, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,603 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 $11,743,539 in used vehicle loans and $8,118,235 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used vehicle, our financing solutions are designed to fit your budget and lifestyle.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $981,367 provide the capital needed to expand your operations. We understand that every business has unique needs and work closely with you to find the right financing solution.

Credit Lines and Personal Loans

For those needing flexible borrowing options, we have a total of $15,000,000 available in credit lines. This gives you the freedom to access funds when needed without taking out a traditional loan. Additionally, if you're considering consolidating debt or funding personal projects, our team is here to discuss unsecured credit card loans which have supported members effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $540,157, make buying or refinancing simple. We guide you through the process and offer competitive rates to help you secure your dream home.

Refinancing Options

If you're interested in refinancing any existing loans or exploring eligibility options for new ones, our team is ready to assist. We believe that everyone deserves access to favorable terms that suit their financial situations. At Northeast Community located at 313 W Oakland Ave Johnson City TN 37604, our friendly staff is dedicated to providing personalized service. Feel free to reach out at 423-722-6228 during our lobby hours from Monday through Friday for any questions regarding our loan 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. We look forward to helping you navigate your financial journey with confidence!

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NORTHEAST COMMUNITY CREDIT UNION - Johnson City, TN