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.*

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








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 & Dismemberment Insurance (AD&D)

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.  

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.

Term Life

If you are like most people, you may already have some life insurance coverage. But, if you haven’t updated it lately, it may not be enough. That’s why we’ve worked hard to develop a life insurance program customized for our members. This program uses the buying power of our strong membership to bring you the most affordable rates on the coverage you may need to protect those you care about the most.



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. Click here to enroll or follow these three easy steps:

1. Follow the link above to the dedicated page.

2. Visit www.petsvpi.com and then enter your organization name.  You will be directed to the dedicated page.

3. Or call 877-PETS-VPI (877-738-7874) Mention that you are a member of Northeast Community Credit Union and they will receive a discount on their policy.

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.*

Pharmacy Cards

Pharmacy Cards allow our members to receive prescription discounts on brand name and generic medications. The cards can be used to supplement most health insurance plans including Health Savings Accounts, high deductible plans, and Medicare Part D cards. The cards will not lower co-payments on prescriptions already covered by insurance benefits but do cover non-formulary medications (prescriptions not covered by health insurance).


Renters' Insurance

Renters' Insurance provides valuable personal property and liability protection for consumers who rent their residences including coverage for clothing, furniture, and most other personal items at replacement cost. A simplified online application process can provide premium quotes and approval in less than five minutes.  


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.  


Home Warranty Plan

Our home warranty plan is an indemnified home service plan which protects homeowners from the high costs associated with home repair and replacement for all of your major appliances and key internal mechanical systems. This product an increase your preace of mind and significantly decrease expenses by providing access to the most comprehensive home service plan available today. This coverage will complement your homeowner's insurance policy.  


Click on the icon above to shop for auto or home discounts!

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.*





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
Lost VISA Check Card
Call 1-800-472-3272
Then call us at
Lost VISA Credit Card
Call 1-800-558-3424
Then call us at

Equal Housing Lender - Member NCUA
Rates subject to change without notice
Certain Restrictions Apply

 © 2008 Northeast Community Credit Union