About Us

You’re not simply a customer here, you’re a member, part owner of this not-for-profit financial cooperative. Every membership is built on the core value of people helping people.  ‘Joining’ our Credit Union refers to opening a small savings account ($5) which is a ‘share’ of ownership in the Credit Union.  That makes you a member-owner and lets you to take advantage of lots of member benefits like instant debit cards, free checking accounts, the very best rates around, and easy convenience services such as awesome mobile apps and online borrowing — everything you need to simplify your life.

Our Core Values

1. Service Excellence: We are a member-focused organization committed to exceeding expectations in everything we do.
2. Mission and Goals:  We are well known as the primary provider of financial education for students and adults; for our responsiveness to community needs in our service areas; and for compassionately serving the underserved without discrimination.
3. Integrity: We earn your trust by being responsible, honest, and accountable.
4. Respect: We are a caring organization that respects and values our members, employees, and community.
5. Financial Stability: We can be relied upon for our financial strength and security.

Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators.  A small group of school teachers petitioned the Tennessee Department of Financial Institutions for a charter to begin the credit union, due to school staff finding it more difficult to borrow since they were paid only when school was in session rather than year-round.  The petition was granted, and one of the original petitioners, Mr. William “Bill” Armstrong has served NCCU in various volunteer roles ever since then and currently serves as Vice-Chairman of our Board of Directors.  Credit Union Directors must meet specific eligibility and educational requirements and are responsible for the safety and soundness of the Credit Union.

In 1996 we converted to a community charter, allowing us to serve those who live, work, worship, or attend school in Carter, Johnson, Washington, Unicoi and Sullivan counties and their family members.  We remain accountable to our membership and to state and federal regulators who strictly examine our operations on a regular basis as required by law.  We are pleased to receive excellent ratings and rank in the top 2% among all financial institutions for strength and stability.  You can read more in the ‘NCCU Celebrates Anniversary’ article on this site under ‘Newsletters’.

How We Are Different