Credit union · NCUA insured
Greater Experience Credit Union
A $57M credit union headquartered in Johnson City, TN, with 4,302 members and 3 branches in Tennessee. Best rates: CDs 3.50% and savings 0.45% APY.
Greater Experience Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#6 of 20 in Johnson City, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Greater Experience Credit Union
Greater Experience Credit Union was chartered in 1952 as a not-for-profit financial institution to serve employees of the Mountain Home Veterans Administration Medical Center.
The member-owned institution operates offices in Johnson City and Jonesborough, Tennessee.
- Headquarters
- 2110 W Mountcastle Dr, Johnson City, TN 37604
- NCUA charter
- 67701
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington, Carter, or Unicoi County are eligible for membership.
Military, government and schools
- Individuals who are currently employed or retired from a government employer and live or work in Greene and/or Sullivan County are eligible for membership.
Family and household
- Immediate family members of current GECU members are eligible for membership.
Cost to join
- A one-time membership fee of $1.00 is required upon joining.
- A minimum savings account deposit/balance of $5 is required for membership.
Branches
3 branches in Tennessee
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Tennessee
3 branches
- Mountcastle OfficeMain office2110 W Mountcastle Dr, Johnson City, TN 37604Directions
- VA Office105 Mountain Home Dr, Johnson City, TN 37604Directions
- Jonesborough Office363 Forest Cir, Jonesborough, TN 37659Directions
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 | 14.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.47% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.11% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio14.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.47%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.11%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ 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 Greater Experience Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.