Credit union · NCUA insured
Beacon Financial Credit Union
A $28.3M credit union headquartered in Johnson City, TN, with 2,169 members and 2 branches in Tennessee. Best rates: CDs 3.00% and savings 0.20% APY.
Beacon Financial Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#11 of 20 in Johnson City, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Beacon Financial Credit Union
Beacon Financial Credit Union, formerly Mountain States Credit Union, was established to provide quality financial services to improve the financial health of its members.
The member-owned, not-for-profit financial institution focuses on serving and promoting community development by improving social and economic conditions within its field of membership.
- Headquarters
- 400 N State of Franklin Rd, Johnson City, TN 37604
- NCUA charter
- 67776
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, contract employees, and volunteers of Ballad Health or its subsidiaries are eligible for membership.
- Employees of Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions are eligible for membership.
Family and household
- Family members (including spouses, children, parents, grandparents, siblings, aunts, uncles, cousins, and step relations) of Ballad Health employees, contract employees, or volunteers are eligible for membership.
- Family members of employees of Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions are eligible for membership.
Cost to join
- A $25.00 minimum balance in a regular share (savings) account is required for membership.
Branches
2 branches in Tennessee
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Tennessee
2 branches
- Beacon Financial Credit UnionMain office400 N State of Franklin Rd, Johnson City, TN 37604Directions
- Beacon Financial Credit Union1102 W Market St Ste 20, Johnson City, TN 37604Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.70% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.39% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.04% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $89 | $59 | — |
- CapitalNet worth ratio7.70%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.39%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.04%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$89Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Beacon Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.