Office Hours
Monday-Thursday 8:30 - 4:30
Friday 8:30 - 5:00
Saturday (Drive-Thru Only) 9:00 - 12:00
Mon.-Fri. Drive Thru Opens at 8:00

  

 

        

 

  


 

July 24 Tip of the Week

Buy renter's or homeowner's insurance, car insurance, disability insurance, and health insurance. Don't bother buying extended warranties, smartphone insurance, travel insurance, or payment protection plans.

 

 July 17 Tip of the Week

Check your free annual credit reports for errors. Credit scores are simpler than you may think. If you pay your bills on time, you'll have a good credit score. If you don't, you won't.

 

July 10 Tip of the Week

There is no shame in using tricks to get yourself to save money. Use multiple savings accounts; put your credit card in the freezer; set up automated transfers. Whatever works for you is fine.

 

 July 3 Tip of the Week

Track expenditures using the safe and secure program at Mint.com or with a budgeting notebook (ask us for one). You'll be amazed to see where your money is really going.

 


June 26 Tip of the Week

Clothing

  • Look for sales at discount outlets. There are huge price differences between clothing on sale at discount stores and that sold regularly at many department and specialty stores, though keep in mind that prices at the latter are often deeply discounted.

  • Consider purchasing previously-used clothes from Good Will, second-hand stores, or school or church thrift sales. With a little effort, you can find low-priced, high-quality used clothing items that can be worn for many years.

  • Assess clothing in terms of quality as well as price. An inexpensive shirt or coat is a poor bargain if it wears out in less than a year. Consider fabric, stitching, washability, and other quality related factors in your selection of clothes.

  • Clean clothes inexpensively. Wash and iron clothes yourself. If you use a cleaner, compare prices at different establishments. A 5o cent difference in cleaning a shirt, for example, can add up to $100 a year.

 

June 19 Tip of the Week

Get Paid What You're Worth and Spend Less Than You Earn

It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you're paid, you'll never get ahead if you spend more than you earn. Often it's easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn't always have to involve making big sacrifices.

 

June 12 Tip of the Week

Home Heating and Cooling

  • Ask your local electric or gas utility for a free or low-cost home energy audit. The audit may reveal inexpensive ways to reduce home heating and cooling costs by hundreds of dollars a year. Keep in mind that a payback period of less than three years, or even 5 years, usually will save you lots of money in the long term.

  • Weatherproof your home. Caulk holes and cracks that let warm air escape in the winter and cold air in the summer. Your local hardware store has materials, and quite possibly useful advice, about inexpensively stopping unwanted heat or cooling loss.

  • Use window coverings to block or let in sunshine. In summer, use these coverings to block sunlight, keeping your house cool. In winter, open the coverings to let sunshine warm the house. You could easily save more than $100 annually while being more comfortable.

 

 June 5 Tip of the Week

Bankruptcy

Bankruptcy is a way to eliminate debts or repay them under court protection and supervision. Child support payments, alimony, fines, taxes, and some student loans obligations are typically not eliminated.

Bankruptcy was created to give a hopeless debtor a fresh start and should always be considered a last resort. A bankruptcy will stay on your credit report for up to 10 years, possibly affecting your ability to buy or rent a home and will likely result in higher interest rates on future loans.

 

May 29 Tip of the Week

Make Savings a Priority

You'll be more likely to save money if you make it a priority. Sit down and figure out what you'd like to save money for - retirement, a house, a car, college, dream vacation - and how much it will cost. Then make your plan:

1. Set a timeline for when you'd like to reach your goal.

2. Set a schedule by dividing the total goal amount by the number of weeks, months or pay periods between now and your goal date.

3. Be vigilant by treating your savings contribution just like any other must-pay expense, such as rent or groceries.

 

 

May 22 Tip of the Week

Tips for Travelers

Whether you're traveling for business or pleasure, be on the alert for opportunities that identity thieves may try to take advantage of:

  • Receipts-do not leave credit card receipts on the table at restaurants; sign them and hand them directly back to the server. Keep your copy of all receipts.

  • Wallets-stolen wallets frequently lead to identity theft, so instead of carrying your wallet in your pocket or having it easily accessible in your bag, use travel pouches that are worn inside your shirt.

  • Checks-leave checkbooks at home in a locked safe or drawer. Checking account takeover is one of the hardest types of financial fraud to clear up.

  • Camera phones- That tourist with a camera phone may actually be taking a shot of your credit card or driver's license. Keep important personal information out of view from others.

  • Mail-Put your mail on postal hold whenever you travel, and arrange for mail to only be picked up by you at the post office when you return.

  • Hotels-Lock up all valuables in room or hotel safes while you are out, including laptops, passports, and other documents that contain your personal identifying information. Do not leave these items with a hotel doorman to transport or hold-carry them yourself.

  • Airplanes-Do not put any items that contain your social security number, card numbers, or financial institution account numbers in checked luggage. Always carry that with you.

 

May 15 Tip of the Week

Beware of Scams

Always be on the defensive wiht your private information. Never give out personal information to telemarketers or respond to emails form someone claiming to represent your bank, credit card issuer, a government agency, a charity, or other organization. If you think the request is legitimate, contact the company directly to confirm their claims.

May 8 Tip of the Week

Check your credit Report

At least once a year, obtain and review your credit report for suspicious activity. You can request a free copy of your report at www.annualcreditreport.com or by contacting any of the three major credit reporting agencies.

May 1 Tip of the Week

Be Careful with your Social Security Numbers

Your social security number is a major target for identity thieves because it can give them access to your credit report and bank accounts. Never carry your card with you. Instead, memorize your number and keep the card in a secure place at home or in a safe deposit box.

   

 

External Link Disclaimer: 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) The linked website may have a privacy policy different than that of NCCU; (5) The linked website may provide less security than that of NCCU's website.
Main Office
980 Jason Witten Way
Elizabethton, TN  37643
423-547-1200
Fax: 423-547-3825
Johnson City Branch
313 W. Oakland Avenue
Johnson City, TN  37604
423-722-6228
Fax: 423-722-6230
Elizabethton Branch
1321 Highway 19E
Elizabethton, TN  37643
423-543-7777
Fax: 423-543-7783
Roan Mountain Branch
8301 Highway 19E
Roan Mountain, TN 37687
423-772-3115
Fax: 423-772-0004
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Rates subject to change without notice
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  2008 Northeast Community Credit Union