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








Certificates of Deposit (CDs)

Right now, Northeast Community Credit Union has unbeatable rates of return on Certificates of Deposit (also known as CDs).  CDs are excellent investments with the great added benefit of having no risk.  All accounts are federally insured up to $250,000.

You have the opportunity to earn even higher dividends when you have your checking account or mortgage loan with us.  You can add up to an additional .40% APR on our posted rates;  .20% APR with checking and .20% APR if your home loan is with us.  We value your relationship with us and reward you with better investment and loan rates.

CDs offer higher interest than regular savings accounts and they are a far safer investment than the stock market.  Savings certificates offer a guaranteed rate over a specific amount of time.

CDs require a minimum deposit and dividends are paid monthly into one of your designated accounts or may be paid at maturity.  Call 423-547-1200 now to lock in a great rate for your investment.  For a look at our current CD (Term Certificates of Deposit) rates, CLICK HERE.

With the variety of CD products offered you are sure to find one that will fit your needs.

 Nest Egg CD

  • Only $100 to open the CD

  • 12 month term

  • Deposits may be made in increments of $25 anytime during the term of the CD

Simple Savings CD

Make regular deposits through payroll deduction or direct deposit on this 24 month CD. No minimum required to the the Simple Savings CD. Simply start your regular deposits that will result in a balance of $1,000 at the end of the 2 year period. As a bonus for saving and building your CD we will ad an additional $50 to your CD maturity. *Only one Simple Savings CD per member, please.


6 Month, 12 Month, 18 Month & 24 Month CDs

  • Low $500 minimum balance

  • Dividends paid monthly or at maturity

12 Month Add-On CD

  • Minimum deposit of $500 to open

  • Deposits may be made anytime in increments of $250

  • Dividends paid at maturity

20 Month Bump Up CD

  • Minimum deposit of $500 to open

  • Dividends paid monthly or at maturity

With the Bump-Up CD, you have the ability to change your interest rate one time during the 20 months. If rates go up you aren't locked in to your original rate...give us a call and say..."Bump it up" and we will change your interest rate to the higher rate.

CD Penalty Information
If the CD is matured early, an amount equal to 90 days interest will be charged as a penalty on CDs 12 months or less. An amount equal to 180 days interest will be charged as a penalty if the CD is more than 12 months. No penalty for early withdrawal due to death of account holder. A penalty may be waived for medical emergencies or hardships.


Christmas Savings Account

Plan ahead for the Christmas season with a Christmas Savings Account. You can make deposits automatically by Payroll Deduction or Direct Deposit, in person, or by transfer using home banking or Gabby, our phone teller. When the holidays approach, your account balance is ready for you to pick up or call and we will transfer it to your checking account. No need to borrow for the holidays--you've already planned ahead!

  • Just $50 each month gives you $600 plus dividends at holiday time!

  • Dividends calculated daily and paid quarterly

Individual Retirement Account (IRA)

IRAs are a safe and smart way to build wealth for the future while earning tax advantages today. Many financial and investment institutions require thousands of dollars in initial investment to open an IRA. At Northeast Community Credit Union, you can open an IRA with an initial investment of only$100. Also, you can choose the type of IRA that suites your investment needs the best: Traditional, Roth or Coverdell/Education IRA.

For details on the different types of IRAs, or to open one for yourself or your child, call member services at 423-547-1200. It's your future--invest in it.

  • $100 minimum deposit

  • Rate adjusted monthly

  • Rates calculated daily and paid quarterly

Money Market Accounts

A NCCU Money Market Account combines the benefits of a CD and a regular savings account. Unlike CDs where you have to wait to withdraw your funds until the maturity date, you can make withdrawals anytime you'd like. There is a $2,500 minimum deposit required to open a Money Market Account and it is possible to earn higher interest rates depending on the balance in your account! As a NCCU Money Market Account holder, you are permitted up to six (6) checks during any statement period.

  • Rate adjusted quarterly

  • Dividends calculated daily and paid monthly

Youth Accounts

Now is the time to teach your kids the importance of saving money. Northeast Community Credit Union will help you set up a savings plan for your children and guide them on their way to developing financial habits that will carry into their future. For more information on Youth Accounts call a member service representative at 423-547-1200 today! It's never too soon to start your child saving for their future.


 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.*

Retirement Calculators


Safe Deposit Box Rental

   Rental fees are due ANNUALLY

  3 x   5  =  $20.00

  3 x 10  =  $25.00

  5 x 10  =  $35.00

10 x 10  =  $55.00

  • Annual box rental fees are payable in advance on March 31st of each year. These fees are automatically deducted from your share account.
  • A late fee of $10 will be applied if rental is not paid on due date.
  • A replacement fee of $25 (or current locksmith rate) will be charged to you if your key is lost.
  • A replacement fee of $100 (or current locksmith rate) will be charged to you if both keys are lost.

Notice to boxholders:
No liquid, dangerous, illegal or offensive contents are pemitted in a safe deposit box. Firearms are not permitted in a safe deposit box. If the credit union suspects that such item(s) have been placed in a box, the credit union has the right to forcibly open the box for inspection and remove the item without prior notice to the renter. The credit union does not insure the contents, including cash, of a safe deposit box. Insurance protection for all box contents must be obtained by the renter.

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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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