Credit union · NCUA insured
Northeast Community Credit Union
A $188.7M credit union headquartered in Elizabethton, TN, with 12,429 members and 4 branches in Tennessee. Best rates: CDs 4.05% and savings 1.00% APY.
Northeast Community Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#5 of 20 in Johnson City, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northeast Community Credit Union
Northeast Community Credit Union began in 1952 as Elizabethton Teachers Credit Union to provide financial services to area educators.
In 1996, the member-owned financial cooperative converted to a community charter.
The credit union has been certified as a Community Development Financial Institution by the CDFI Fund since August 11, 2016.
- Headquarters
- 980 Jason Witten Way, Elizabethton, TN 37643
- NCUA charter
- 67021
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This may be incomplete or out of date, so check with the credit union before you apply.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 Carter County, Washington County, Unicoi County, Johnson County, or Sullivan County are eligible for membership.
Family and household
- Immediate family and household members of a member—defined as parents, children, grandchildren, grandparents, siblings, step-parents, step-children, legal guardianship, adopted or fostered children, and persons living in the same residence as one household—are eligible for membership.
Cost to join
- Joining the credit union requires opening a personal primary share/savings account with a $5 minimum balance.
Branches
4 branches in Tennessee
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Tennessee
4 branches
- Main OfficeMain office980 Jason Witten Way, Elizabethton, TN 37643Directions
- 19E Branch1321 Hwy 19 E, Elizabethton, TN 37643Directions
- Johnson City Branch313 W Oakland Ave, Johnson City, TN 37604Directions
- Roan Mountain Branch8301 Highway 19 E, Roan Mountain, TN 37687Directions
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 | 16.77% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.64% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio16.77%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.64%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Northeast Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.