Certificate of Deposit & Individual Retirement Account Rates

as of 8/15/2017

APY (Annual Percentage Yield)



6 Month CD ($500 minimum to open)


6 Month CD with Loyalty Rewards

6 Month CD with Loyal Home Accounts




Dividend Rate & Annual








12 Month CD ($500 minimum to open)


12 Month CD with Loyalty Rewards

12 Month CD with Loyal Home Accounts









18 Month CD ($500 minimum to open)


18 Month CD with Loyalty Rewards

18 Month CD with Loyal Home Accounts









24 Month CD ($500 minimum to open)


24 Month CD with Loyalty Rewards

24 Month CD with Loyal Home Accounts









12 Month Nest Egg CD ($100 minimum to open)                                                0.80%

Now everyone can have a CD! A low minimum balance of $100 will open this certificate. Deposits in increments of $25 are permitted during the term of the CD. This is a great way to save for your children or grandchildren.

12 Month Add-On CD ($500 minimum to open)                                                  0.80%

You can add to this CD in increments of $250 or more anytime during the term of the certificate

 20 Month Bump-Up CD ($500 minimum to open)                                              0.85%

No need to worry about rates going up and being locked into a lower rate. You have the option of "bumping up" to the current interest rate one time during the term of the CD. Deposits are permitted in increments of $500.

24 Simple Savings CD ($1.00 to open)                                                             1.00%

An amazing savings plan to create an emergency fund of $1,000. We can set a designated amount to come out of your payroll and go into your Simple Savings CD. A very easy way to save!

IRA Accumulation Account - ($100 to open)

Variable Rate  Quarterly Dividends                                                                    1.71%

24 Month IRA - Fixed Rate ($500 to open)                                                      1.00%

APY refers to annual percentage yield and is subject to change at the discretion of Northeast Community Credit Union. APY assumes dividends will remain on deposit until maturity. APY is an annual calculation based on 365 days (366 days in a leap year). A penalty will be imposed for early withdrawal. Fees or withdrawals may reduce earnings. APY can change after account opening for variable rate accounts. The APY shown for all non-term share accounts is accurate as of the last dividend declaration date.


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.