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








Loan Resources

Loan Application Rate Hound
Financial Calculator Insurance Products


 Why choose your credit union for your home loan?

As your Credit Union, your best interests are why we’re here. Our service is second to none, our real estate professionals will take the time to find the best loan for your specific circumstances, and our rates and fees are some of the lowest around.

Whether you’re looking to buy your first home or your tenth, simply need to refinance your current loan to a lower rate, or need a loan for home improvements or for debt consolidation, we can give you the best home loan at the best value.

Low Closing Costs - $1,499 total closing costs

No PMI (private mortgage insurance) required

We usually close your loan within 10 business days from the date of your application approval. We can approve your loan within hours of receiving it.

We will loan up to 85% of the value of the home

100% Loans for first time home buyers.   We realize you are just getting started and it would be difficult to come up with a large down payment.  We will finance 100% of the purchase price of your first home. 

Choose your payment frequency -  You choose when you want your loan payment due and the frequency:  monthly, semi-monthly, bi-weekly, or weekly.  Direct deposit or automatic debit from your checking account is available.

Modification Agreements – Once you have your home loan here you have a very special product that can be used throughout the term of your loan.  At any time in the future if you want to add money to your mortgage and bring the balance back up to your original deed of trust you can add the funds without paying the high cost of refinancing.    Almost all other financial institutions will require you to refinance your loan and go through the expensive closing cost process….but not at your credit union.

Contact us today for all your home loan needs

Free transfers from  savings to checking accounts

Home Calculators







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
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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Lost VISA Credit Card
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Equal Housing Lender - Member NCUA
Rates subject to change without notice
Certain Restrictions Apply

  2008 Northeast Community Credit Union