The Credit Union Difference

Northeast Community Credit Union is a financial cooperative solely of member-owners who share the philosophy of “not for profit, but for service.”  Unlike some financial institutions, the people on our volunteer Board of Directors are member-owners, who work in the best interest of other fellow member-owners.  Without shareholders to pay, profits are returned to members in the form of lower loan rates, low or no-fee products and services, and higher savings rates.  At a bank, the only people who benefit from profits are the investors.

Members at a credit union are member-owners because their deposit represents a share of ownership; however at a bank, the owners are typically small groups of investors.  Credit union members are united by a common bond of membership.

Our credit union is insured by the National Credit Union Administration (NCUA), a U.S. government agency, for deposits up to $250,000.


Our Core Values

1.      Service Excellence:  We are a member-focused organization committed to exceeding expectations in everything we do.

2.      Integrity:  We earn your trust by being responsible, honest, and accountable.

3.      Respect:  We are a caring organization that respects and values our members, employees, and community.

4.      Financial Stability:  We can be relied upon for our financial strength and security.


Duties of Credit Union Officers, Directors, and Committees

Each year at the credit union annual meeting the membership elects directors for a three year term. This is a volunteer position and no compensation is paid to the directors. Qualifications for running for the position of director are:  Must be a member in good standing, at least 18 years of age, been member for a minimum of three years, all financial obligations must be current and making payments according to schedule, no record of bankruptcy or collections, must qualify for surety bond, commit to attend all meetings, and support the credit union by using the credit union’s products and services.

Responsibilities of the board of directors include:

·         Providing safe and sound financial stewardship of the assets of the credit union

·         Providing the membership with high quality financial services at a good value

·         Providing opportunities for the membership to improve their financial lives

·         Complying with all applicable laws and regulations


The board fulfills its role through planning, policies, selection of the credit union’s CEO, and oversight of management’s performance. Committee members will fulfill their roles through completing the requirements of their assigned functions. The board and officials do not become involved with the daily operations of the credit union.



Each official must be bondable. Directors and officials must maintain the highest standards of personal and professional ethical conduct. Paramount is the maintenance of member confidentiality, credit union business confidentiality, and appropriate disclosure of any conflict of interest.


Financial Responsibility

Directors and officials are expected to maintain the highest standards of financial responsibility, especially in dealings with the credit union.



Directors and officials chart the financial and service course for the credit union. Therefore, each director is expected to be involved in the credit union through strategic or operational planning and goal setting, setting policy, maintaining a high level of competence in legislative and regulatory issues, and understanding the financial needs of the membership.



The board must maintain the integrity of the credit union by ensuring compliance with all applicable laws and regulations.



The board is responsible for maintaining safe and sound operations over time and for assuring that the credit union is strategically positioned for future operations. Several areas of the credit union’s overall operations contribute to maintenance of continuity. Continuity will be achieved through strategic and operational planning, maintenance of adequate capital, sound asset-liability management, sound risk management, management development and accountability, and management and board succession planning.



The board will strive to develop sound policies that provide general direction for key areas. Policies will be supplemented and implemented by procedures, which are written by management.


Notice of CDFI Certification

Northeast Community Credit Union is proud to announce that they have been certified by the U.S. Department of Treasury's Community Development Financial Institutions Fund (CDFI Fund). In becoming CDFI certified, Northeast Community Credit Union meets the following requirements:


               -Having a Primary Mission of promoting community development

               -Predominately serving and maintaining Accountability to eligible Target Markets

               -Being a Financial Entity

               -Providing Development Services

               -Being neither a government entity nor controlled by a government entity


The CDFI certification is effective as of August 11, 2016.


What is a CDFI? Click here for more details!




Your Insured Shares:

Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. The NCUSIF is backed by the full faith and credit of the United States government. Your money is safe with us.


Equal Housing Opportunity Member NCUA

Rates subject to change without notice

Certain Restrictions Apply

 © 2008 Northeast Community Credit Union


Lost VISA Check Card

Call 1-800-472-3272

Then call us at 423-547-1200


Lost VISA Credit Card

Call 1-800-558-3424

Then call us at 423-547-1200


Main Office

980 Jason Witten Way

Elizabethton, TN  37643


Member Services Fax: 423-547-3825

Accounting/Admin Fax:



Johnson City Branch

313 W. Oakland Avenue

Johnson City, TN  37604


Fax: 423-722-6230


Elizabethton Branch

1321 Highway 19E

Elizabethton, TN  37643


Fax: 423-543-7783


Roan Mountain Branch

8301 Highway 19E

Roan Mountain, TN 37687


Fax: 423-772-0004


ABA / Routing #  264278827

NMLS #520867



Hours of Operation

Monday through Thursday

8:30a.m. to 4:30 p.m.

Drive-thru opens at 8 a.m.



8:30 a.m. to 5:00 p.m.

Drive-thru opens at 8 a.m.



(Drive-thru only)

9:00 a.m. to Noon

VISA Check Card Activation


External Link Disclaimer: *Every time you click on an external link, you may be leaving  the NCCU web site and linking to an alternate web site that is not operated by NCCU. The appearance of a link on this or any other Northeast Community Credit Union page constitutes neither an endorsement nor recommendation by NCCU. The presence of a link in any way should not be construed as a suggestion that the site has any relationship with NCCU. When viewing these pages please remember that: (1) NCCU is not responsible for the content, product or services advertised on those sites; (2) NCCU does not guarantee the products, information, or recommendations provided by linked sites; (3) NCCU is not liable for any failure of products or services advertised on those sites; (4)“NCCU does not represent either the third party or the member if the two enter into a transaction (5)The linked website may have a privacy policy different than that of NCCU; (6) The linked website may provide less security than that of NCCU's website.