What are the current interest rates at Eastman Credit Union?

Current rates for Eastman Credit Union include: 24-Month CD: 4.00%, 60-Month CD: 4.00%, Savings: 0.10%, MMA: 0.75%

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Eastman Credit Union

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Eastman Credit Union Rates & Review September 2026

Q: How many branches does Eastman Credit Union operate?

Eastman Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Eastman Credit Union?

Yes, to access services at Eastman Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Eastman Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastman Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Eastman Credit Union's 1 - 2 Year Business Investment CD rates are at 4.00%, 1 - 2 Year Investment CD rates are at 4.00%, 180 - 364 Day Business Investment CD rates are at 4.00%, 180 - 364 Day Investment CD rates are at 4.00%, 2 - 3 Year Business Investment CD rates are at 4.00%. Eastman Credit Union's savings rates are at 0.10%. Eastman Credit Union's money market rates are at 0.75%. Eastman Credit Union's Adjustable Rate Mortgage rates are at 5.12%, Adjustable Rate Mortgage rates are at 5.38%, Fixed Rate Mortgage Rates - 15 Year Fixed rates are at 6.00%, Fixed Rate Mortgage Rates - 30 Year Fixed rates are at 6.62%, 30 Year Fixed First Time Home Buyers rates are at 7.88%. Eastman Credit Union's Student Loan Rates are as low as 6.75%. MonitorBankRates evaluates the financial stability of Eastman Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.80%. Rates last updated and verified on 09/22/2026.

Eastman Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Eastman Credit Union? Share your experience about Eastman Credit Union by leaving a review below, or read customer reviews before you decide to use Eastman Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Eastman Credit Union
MeadowView

2021 Meadowview Ln
Kingsport, TN 37660

https://www.ecu.org

Eastman Credit Union CD Rates

Product	Rate	APY	Term
1 - 2 Year Business Investment Certificate	3.93%	4.00%	1 months
Min Deposit $1,000 Min Balance $1,000 Details Term: 1 to 2 Years (365 to 729 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
1 - 2 Year Investment Certificate	3.93%	4.00%	1 months
Min Deposit $1,000 Details Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
180 - 364 Day Business Investment Certificate	3.93%	4.00%	180 to 364 days
Min Deposit $2,500 Min Balance $2,500 Details Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
180 - 364 Day Investment Certificate	3.93%	4.00%	180 to 364 days
Min Deposit $2,500 Details Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
2 - 3 Year Business Investment Certificate	3.93%	4.00%	2 months
Min Deposit $1,000 Min Balance $1,000 Details Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
2 - 3 Year Investment Certificate	3.93%	4.00%	2 months
Min Deposit $1,000 Details Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3 - 4 Year Business Investment Certificate	3.93%	4.00%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3 - 4 Year Investment Certificate	3.93%	4.00%	3 months
Min Deposit $1,000 Details Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
4 - 5 Year Business Investment Certificate	3.93%	4.00%	4 months
Min Deposit $1,000 Min Balance $1,000 Details Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
4 - 5 Year Investment Certificate	3.93%	4.00%	4 months
Min Deposit $1,000 Details Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
5 Year Business Investment Certificate	3.93%	4.00%	5 Years
Min Deposit $1,000 Min Balance $1,000 Details Term: 5 Years (1,826 to 2,190 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
5 Year Investment Certificate	3.93%	4.00%	5 Years
Min Deposit $1,000 Details Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
30 - 89 Day Business Investment Certificate	3.69%	3.75%	30 to 89 days
Min Deposit $2,500 Min Balance $2,500 Details Jumbo APY: 3.80%; Jumbo Dividend Rate: 3.74%; Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
30 - 89 Day Investment Certificate	3.69%	3.75%	30 to 89 days
Min Deposit $2,500 Details Jumbo APY ($100k Minimum): 3.80%; Jumbo Dividend Rate ($100k minimum): 3.74%; Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
365 Day HSA Certificate	3.69%	3.75%	365 Days
Min Deposit $1,000 Details Jumbo APY ($100k Minimum): N/A; Jumbo Dividend Rate ($100k minimum): N/A; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
365 Day Lifeline Savers Certificate	3.69%	3.75%	365 days
Min Deposit $100 Details Jumbo APY ($100k Minimum): N/A; Jumbo Dividend Rate ($100k minimum): N/A; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
90 - 179 Day Business Investment Certificate	3.69%	3.75%	90 to 179 days
Min Deposit $2,500 Min Balance $2,500 Details Jumbo APY: 3.80%; Jumbo Dividend Rate: 3.74%; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
90 - 179 Day Investment Certificate	3.69%	3.75%	90 to 179 days
Min Deposit $2,500 Details Jumbo APY ($100k Minimum): 3.80%; Jumbo Dividend Rate ($100k minimum): 3.74%; Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Savings Rates

Product	Rate	APY
Business Savings	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 or greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal Savings	0.30%	0.30%
Min Balance $5 Details Balance: Any amount greater than $5.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Business Savings	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Business Savings	0.10%	0.10%
Min Balance $0 Details Balance: Under $50,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Money Market Rates

Product	Rate	APY
IMMA Advantage Account	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000 or greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Individual Money Market Account	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000 or greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IMMA Advantage Account	1.79%	1.80%
Min Balance $100,000 Details Balance: $100,000 - 199,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Individual Money Market Account	1.79%	1.80%
Min Balance $100,000 Details Balance: $100,000 - 199,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IMMA Advantage Account	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Individual Money Market Account	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IMMA Advantage Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Individual Money Market Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IMMA Advantage Account	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Individual Money Market Account	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IMMA Advantage Account	0.75%	0.75%
Min Balance $0 Details Balance: $0 - 9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Individual Money Market Account	0.75%	0.75%
Min Balance $0 Details Balance: $0 - 9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Checking Rates

Product	Rate	APY
Personal Checking	0.30%	0.30%
Min Balance $200,000 Details Balance: $200,000 or greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - 199,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Advantage Basic Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: No minimum balance requirement Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage	5.13%	1.000%	6.03%	5/1 ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Adjustable Rate Mortgage	5.38%	1.000%	6.03%	7/1 ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Fixed Rate Mortgage Rates - 15 Year Fixed	6.00%	1.000%	6.44%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Fixed Rate Mortgage Rates - 30 Year Fixed	6.63%	1.000%	6.90%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
30 Year Fixed First Time Home Buyers	7.88%	-	8.06%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.50%	-	6.68%	5 Year Fixed
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Home Equity Loan	7.00%	-	7.09%	10 Year Fixed
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Home Equity Loan	7.25%	-	7.32%	15 Year Fixed
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.74%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Personal Loan Rates

Product	APR	Term
Student Consolidation Loan	6.75%	Up to 216 months
Details Fixed Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Student Consolidation Loan	7.25%	Up to 240 months
Details Fixed Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Student Consolidation Loan	7.75%	Up to 300 months
Details Fixed Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Cash Rewards Loan	-	-	12.90%
Details Published APR range: 12.90% - 17.90%. Cash Rewards of at least 1% of net purchases. Available in $25 increments. ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Classic Loan	-	-	11.25%
Details Published APR range: 11.25% - 18.00%. Based on Prime Rate Plus a margin based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Your interest rate may change. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Classic Loan	-	-	10.90%
Details Published APR range: 10.90% - 18.00%. ECU will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Platinum Preferred Loan	-	-	9.90%
Details For every dollar spent (purchases only), you earn one point toward various gift items and travel services. Eligibility based on previous lending history. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Student Line of Credit Loan	-	-	5.90%	252 months
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Access Account	0.25%	-	0.25%
Min Balance $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Accumulation Account	0.30%	-	0.30%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Eastman Credit Union’s Texas Ratio stayed near 0.83% in Q2 2023 to 0.80% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$10.1B	0.80%	5.0	A+
December 31, 2025	$9.9B	1.51%	5.0	A+
September 30, 2025	$9.7B	1.27%	5.0	A+
June 30, 2025	$9.5B	1.14%	5.0	A+
March 31, 2025	$9.4B	0.61%	5.0	A+
December 31, 2024	$9.1B	1.23%	5.0	A+
September 30, 2024	$8.9B	1.15%	5.0	A+
June 30, 2024	$8.6B	0.94%	5.0	A+
March 31, 2024	$8.4B	0.74%	5.0	A+
December 31, 2023	$8.0B	1.35%	5.0	A+
September 30, 2023	$7.8B	0.84%	5.0	A+
June 30, 2023	$7.7B	0.83%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Eastman Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Eastman Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Eastman Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eastman Credit Union

Website https://www.ecu.org

Address 2021 Meadowview Ln, Kingsport, TN 37660

Phone 423-229-8200

Fax 423-578-7630

President Norris Sneed

CEO Kelly Price

Full-Time Employees 1,101

Part-Time Employees 9

Branch Locations 30

ATM Locations 30

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.80%

Return on Assets (ROA)

0.4482%

Return on Equity (ROE)

3.1164%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

10,143,966,093

Total Amount of Shares and Deposits

8,600,399,209

Total Shares and Deposits < 1 Year

7,595,815,944

Total Shares and Deposits 1 3 Years

705,350,697

Total Shares and Deposits > 3 Years

299,232,568

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,122,044,173

Total Uninsured Shares and Deposits > $250K (F+J)

1,122,044,173

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,478,355,036

Total Interest Expense (Sum of items 6 8)

50,885,603

Share Certificates

70,553

Number of Accounts for Share Drafts

276,576

IRA KEOGH Accounts

21,065

Number of Accounts for Regular Shares

411,143

All other shares

5,945

Money Market Shares

10,793

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,910,518,950

Total Liabilities

8,688,121,951

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Eastman Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Eastman Credit Union

How many branches does Eastman Credit Union operate?

Eastman Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Eastman Credit Union?

Yes, to access services at Eastman Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Eastman Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastman Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Eastman Credit Union offer online and mobile banking?

Most modern institutions like Eastman Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ecu.org.