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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







February 19

Say NO sometimes: Everyone wants their kids to be happy, but realize that saying NO can be a really good thing.  Not only are you teaching them a valuable lesson, but that money can be used for something bigger…like a family vacation!

February 12

Who manages my credit reports? Although there are several U.S. credit bureaus, the big three are TransUnion, Equifax and Experian. While the bureaus are responsible for collecting and maintaining credit scores for nearly every American, they are not government agencies. Rather, they are for-profit companies that make money by selling your personal information to political lenders, employers and other interested parties. Each of the bureaus maintains its own set of credit information. This means you have a grand total of three credit reports and three corresponding credit scores.

February 5

Set up a budget: This is easiest if you first track all your expenses of an entire month. Once you know exactly what you spend your money on, it’s easier to set up a budget. The hardest part sometimes is remembering to enter expenses into the budget as they happen. Keeping track is essential!

January 29

Forgetting Inflation! Inflation means that your money is gradually worth less over time. In other words, prices rise. Over the last 20 years, average annual inflation has been approximately 2.55%. The safest investments like a savings account or government bonds will often deliver returns at a rate lower than inflation. Sometimes modest risk is necessary to make sure your savings aren’t depleted by inflation.

January 22

Buy store brands. Sometimes they are even better than name brands at grocery stores. Safeway’s store brand Refreshe has some divine seltzer water. For cheap!

January 15

Make Money by Hunting/Fishing! Even if your family doesn’t hunt or fish much, usually friends do and it’s a wise skill to have in case you need to provide for yourself one day. Also, store-bought meat is expensive and being able to kill your own is a huge money saver! What would our ancestors have done without deer, wild turkey or fish to keep them going?

January 1

Retain Receipts! In an effort to de-clutter our cars, purses and file cabinets, receipts are often tossed immediately after a purchase. However, it's a good idea to hang onto receipts for up to 30 days should the item you bought receive a price reduction. Keeping tabs on an item you've already purchased can score you unexpected savings.

December 25

Befriend Sales Associates Though your knee-jerk reaction to eager salespeople may be "I'm just looking," consider taking them up on their offer to serve you. Better yet, seek them out every time you shop the store. Building a rapport with a sales associate leads to the inside-track on upcoming sales and yields better customer service.

December 18

ATM Tip: If you use the ATM at night, consider taking a friend along.

December 11 Tip of the Week

When negotiating a salary, get the company to name figures first. If you give away your current pay from the get-go, you have no way to know if you’re low-balling or highballing. Getting a potential employer to name the figure first means you can then push them higher

December 4 Tip of the Week

Make salary discussions at your current job about your company’s needs. Your employer doesn’t care whether you want more money for a bigger house—they care about keeping a good employee. So when negotiating pay or asking for a raise, emphasize the incredible value you bring to the company.

November 20 Tip of the Week

 Get rid of your landline – If you are rarely home and the only calls you receive on your landline are from telemarketers. Decide to use your cell phone only and cut the landline. If you’re not ready to get rid of your landline altogether, get a portable jack and you’ll pay just $29.95 for a full year of service!


November 13 Tip of the Week

Pay your credit card balance in full. Some companies charge up to 22.3% for purchases now and it reflects on your bank/credit union account if you cannot pay the bill off. Use your credit cards sparingly and search for the cheapest credit card deals available. Consider searching for better credit card deals with lower APR rates, and no annual fees.

November 6 Tip of the Week

Make bite-size money goals. One study showed that the farther away a goal seems, and the less sure we are about when it will happen, the more likely we are to give up. So in addition to focusing on big goals (say, buying a home), aim to also set smaller, short-term goals along the way that will reap quicker results—like saving some money each week in order to take a trip in six months.

October 23 Tip of the Week

Budget about 30% of your income for lifestyle spending. This includes movies, restaurants and happy hours—basically, anything that doesn’t cover basic necessities. By abiding by the 30% rule, you can save and splurge at the same time.


October 16 Tip of the Week

Track your net worth. Your net worth—the difference between what you own and what you owe—is the big-picture number that can tell you where you stand financially. Keep an eye on it, and it can help keep you apprised of the progress you’re making toward your financial goals—or warn you if you’re backsliding.


October 9 Tip of the Week

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


 October 2 Tip of the Week

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 five years, usually will save  you lost of money in the long-term.


September 25 Tip of the Week

Attend high school rather than college or pro sports events. High school sportsevents rarely cost more than $5 and are often free, with hot dogs and sodas typically costing $1-2. College and pro football and basketball games rarely cost less than $20, and their concessions are usually several times more expensive.


September 18 Tip of the Week

Be aware of your cell phone costs and how to reduce them. Cell phone use has dramatically increased communications expenditures in many households. Understand peak calling periods, area coverage, roaming, and termination charges. Make sure your calling plan matches the pattern of calls you typically make.


September 11 Tip of the Week

Assess your communications costs. As Internet and wireless use grows, many consumers are overpaying for unneeded communications capacity. For example, you have a cell phone and two phone lines – one for your computer – consider receiving personal calls on your cell phone so you can give up one of the phone lines.


September 4 Tip of the Week

Keep your car engine tuned and tires inflated to their proper pressure. Doing both can save you up to $100 a year in gas.


August 28 Tip of the Week

To avoid over-extending yourself, think before you act. Before you sign on the dotted line for a large ticket item, such as a house or car, you should examine your budget and rent or borrow the item to ensure that your purchase will be a true fit.


August 21 Tip of the Week

Until the money is in your account, don't spend it. Many moneymaking ventures are not quaranteed and it's not wise to gamble with what "may be".



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Main Office
980 Jason Witten Way
Elizabethton, TN  37643
Fax: 423-547-3825
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
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