Insurance Products

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.*


Accidental Death and Dismemberment

Each eligible member is provided with a $2,000 FREE AD&D benefit without cost or obligation. Additional coverage may be purchased at low, affordable group rates.


Automobile GAP (Guaranteed Asset Protection) Insurance

You could lose more than your vehicle if it is stolen or involved in a

major accident. For the low cost of $350 you can protect your investment

with GAP (Guaranteed Asset Protection). Most insurance policies only

cover the value of the vehicle - something that rapidly declines during

 the first few years of ownership - your loan value could be higher than

the value of your vehicle. GAP Insurance protects you for the difference

 between what your vehicle is worth and the pay-off amount (up to

 the limits of the coverage you purchase) of your loan in the event

your vehicle is damaged beyond repair or stolen.


GAP also offers an Auto Deductible Reimbursement Benefit that pays up to $500

per loss (limit of two (2) losses per year) when a loss is filed and paid by the auto

insurance company for a covered auto the member owns or leases evidenced by

the title or registration, and insures under an Auto Insurance Policy designating

the member as the named insured.


The coverage is effective upon the date of enrollment and will continue for five (5) years.


When you purchase a vehicle for $30,000 that is what the vehicle is worth. After driving the vehicle for a year the value drops to $20,000 and you still owe $24,000. If you were to get into an accident the insurance company would then pay you for the value of the car not what is owed on the car, leaving you with a $4,000 bill to repay. If you had taken out the GAP policy, then GAP Insurance would cover the $4,000 plus GAP will give you $1,000 towards the purchase of a new vehicle if it's financed through Northeast Community Credit Union.


 If you have purchased your vehicle in the last 18 months and did not elect to take the GAP policy at the time of financing you can still purchase GAP Insurance. The GAP insurance can be added to your loan so that you won't have any out of pocket expense. PLEASE see a loan officer for full details.





Credit Life & Disability Insurance

We offer a credit life and disability insurance plan that will pay off or reduce your loan(s) if you should die or take over your payments (up to the contract limit) if you should become disabled and be unable to continue working. The cost of the premium is included in the loan payment(s).


Pet Insurance

Veterinary Pet Insurance policies provide both protection for pets and peace of mind for pet owners. These policies mean finances won't get in the way of giving your pet the care it needs. The plan covers dogs, cats, birds, and exotic pets for medical problems and conditions relating to accident, illness, or injury.


Mechanical Breakdown Protection

This product provides you with valuable protection against costly vehicle repairs. You can be sure your investment is protected when faced with an unexpected mechanical or electrical failure. As a result, you will enjoy worry-free driving with the peace of mind that comes from knowing that tomorrow's repair costs is paid for at today's prices.


Cost-effective protection to fit your needs

Your family is your life.  Any amount of coverage can make a difference. Act now.

Life Insurance

TruStage Life Insurance encompasses a full portfolio of term life and whole life products to meet your unique needs. Find the life insurance protection you need to build financial security.



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

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.