What are the current interest rates at Northeast Community Credit Union?

Current rates for Northeast Community Credit Union include: 12-Month CD: 3.30%, 18-Month CD: 3.40%, 24-Month CD: 3.30%, 60-Month CD: 4.05%, Savings: 1.00%, MMA: 1.30%

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Northeast Community Credit Union

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Northeast Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northeast Community 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: October 9, 2026

Northeast Community Credit Union's top rates as of October 9, 2026 are 4.05% APY on its 60 Month CD Account, 1.00% APY on savings, 1.30% APY on money market accounts, 4.29% on its Farming, Agriculture, & Residential Equipment mortgage, and personal loans from 7.99% APR, according to rates verified by MonitorBankRates. Other Northeast Community Credit Union CD rates include 48 Month CD Account at 3.95%, 36 Month CD Account at 3.85%, and 20 Month Bump-Up CD Account at 3.75%. MonitorBankRates evaluates the financial stability of Northeast Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.14%. Rates last updated and verified on 10/09/2026.

Northeast Community 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 Northeast Community Credit Union? Share your experience about Northeast Community Credit Union by leaving a review below, or read customer reviews before you decide to use Northeast Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.14%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Northeast Community Credit Union
Main Office

980 Jason Witten Way
Elizabethton, TN 37643

https://www.bemycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Northeast Community Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate Account	-	4.05%	60 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80% Oct 1, 20264.05%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
48 Month Certificate Account	-	3.95%	48 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 1, 20263.95%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
36 Month Certificate Account	-	3.85%	36 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 1, 20263.85%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
20 Month Bump-Up Certificate Account	-	3.75%	20 Month
Min Deposit $500 Details No need to worry about rates going up and being locked into a lower rate. You have the option of "bumping up" to the current interest rate one time during the term of the account. Deposits are permitted in increments of $500. Reward add-ons do not apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 1, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
24 Month Certificate Account with Rewards	-	3.75%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 5, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
18 Month Certificate Account with Rewards	-	3.60%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35% Oct 5, 20263.60%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
24 Month 24 Simple Savings Certificate Account	-	3.55%	24 Month
Min Deposit $1 Details An amazing savings plan to create an emergency fund. We can set a designated amount to come out of your payroll and go into your Simple Savings Certificate Account. A very easy way to save! Reward add-ons do not apply. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
24 Month 24 Simple Savings Certificate Account	-	3.55%	24 months
Min Balance $1,000 Details An amazing savings plan to create an emergency fund of at least $1,000. We can set a designated amount to come from your paycheck straight to your Simple Savings Certificate Account - an easy way to save! Reward add-ons do not apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 5, 20263.55%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
24 Month Certificate Account	-	3.55%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.75% / low 3.30% Oct 5, 20263.55%▼ from 3.75% Oct 1, 20263.75%▲ from 3.30% Sep 22, 20263.30%▼ from 3.50% Sep 18, 20263.50%▲ from 3.30% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
12 Month Certificate Account with Rewards	-	3.50%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 1, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
18 Month Certificate Account	-	3.40%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.60% / low 3.15% Oct 5, 20263.40%▼ from 3.60% Oct 1, 20263.60%▲ from 3.15% Sep 22, 20263.15%▼ from 3.35% Sep 18, 20263.35%▲ from 3.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
12 Month Add-On Certificate Account	-	3.30%	12 Month
Min Deposit $500 Details You can add to this Certificate Account in increments of $250 or more anytime during the term of the certificate. Reward add-ons do not apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05% Oct 1, 20263.30%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
12 Month Certificate Account	-	3.30%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05% Oct 1, 20263.30%▲ from 3.05% Sep 22, 20263.05%▼ from 3.25% Sep 18, 20263.25%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
12 Month Nest Egg Certificate Account	-	3.30%	12 Month
Min Deposit $100 Details A low minimum balance of $100 will open this certificate. Deposits in increments of $25 are permitted during the term of the account. This is a great way to save for your children or grandchildren. Reward add-ons do not apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.30% ▲ 0.25 pts · high 3.30% / low 3.05% Oct 1, 20263.30%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
24 Month IRA - Fixed Rate	-	3.30%	24 Month
Min Deposit $500 Details Reward add-ons do not apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
6 Month Certificate Account with Rewards	-	3.20%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.20% ▲ 0.25 pts · high 3.20% / low 2.95% Oct 1, 20263.20%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
6 Month Certificate Account	-	3.00%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 1, 20263.00%▲ from 2.75% Sep 22, 20262.75%▼ from 2.95% Sep 18, 20262.95%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Savings Rates

Product	Rate	APY
Regular Savings Account	-	1.00%
Min Balance $1,001 Details 1,001 and above 1.00% APY. Dividends are calculated daily and paid quarterly on average daily balances over $250. APY (Annual Percentage Yield). Rates subject to change. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Share and Club Dividends	-	1.00%
Min Balance $1,001 Details Balance: $1,001 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Regular Savings Account	-	0.75%
Min Balance $250 Details 0 - $249 No Dividends. Dividends are calculated daily and paid quarterly on average daily balances over $250. APY (Annual Percentage Yield). Rates subject to change. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Share and Club Dividends	-	0.75%
Min Balance $250 Details Balance: $250 - $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.30%
Min Balance $200,000 Details Balance: $200,000 and up Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Money Market	-	1.20%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Money Market	-	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Money Market	-	0.90%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Money Market	-	0.80%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.80% ▲ 0.05 pts · high 0.80% / low 0.75% Sep 18, 20260.80%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Money Market	-	0.75%
Min Balance $0 Details Balance: Below $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Farming, Agriculture, & Residential Equipment	-	-	4.29%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 4.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC/Line of Credit	-	-	4.99%	5 Year Fixed
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC/Line of Credit	-	-	5.99%	15 Year Fixed
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC First Time Home Buyer	-	-	6.99%	Up to 30 Years
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Land Loan	-	-	6.99%	15 Year Fixed
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Land Loan	-	-	6.99%	30 Year Variable
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Second Mortgage/Home Improvement	-	-	6.99%	10 Year Fixed
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Second Mortgage/Home Improvement	-	-	6.99%	15 Year
Details Term: 15 Year Variable/1 Year ARM Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Variable Rate First Mortgage	-	-	6.99%	30 Year
Details Term: 30 Year (Over 85% LTV) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Rental Property	-	-	7.29%	15 Year/5 Year ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Mobile Home	-	-	7.99%	20 Year Fixed
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Modular Home	-	-	7.99%	20 Year Fixed
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Mobile Home	-	-	8.49%	20 Year Variable
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
HELOC Modular Home	-	-	8.49%	30 Year Variable
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Cars and Trucks (2025-2026) Loan	-	-	4.49%	up to 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Used Cars and Trucks (2017-2024) Loan	-	-	5.29%	up to 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
New or Used Cars and Trucks (2025-2026) Loan	-	-	5.49%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Used Cars and Trucks (2017-2024) Loan	-	-	5.79%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
New or Used Cars and Trucks (2025-2026) Loan	-	-	5.99%	up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Used Cars and Trucks (2017-2024) Loan	-	-	6.29%	up to 72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
New or Used Cars and Trucks (2025-2026) Loan	-	-	6.49%	up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Older Vehicles (2011-2016) Loan	-	-	6.99%	up to 48 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.99% ▲ 1.00 pts · high 6.99% / low 5.99% Oct 5, 20266.99%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Used Cars and Trucks (2017-2024) Loan	-	-	6.99%	up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Older Vehicles (2011-2016) Loan	-	-	7.49%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 5, 20267.49%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Camper & RV Loan	-	5.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
New & Used Boats Loan	-	5.99%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
New & Used Motorcycles Loan	-	5.99%	up to 60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loan	7.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Signature (Personal) Loan	7.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Northeast Community Credit Union Other Rates

Product	Rate	Points	APY/APR
Payday Alternative Loan (PAL)	-	-	28.00%
Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 28.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
IRA Accumulation Account	-	-	4.50%
Min Deposit $100 Details Variable Rate Quarterly Dividends. Reward add-ons do not apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.03% → 4.50% ▲ 0.47 pts · high 4.50% / low 4.03% Oct 1, 20264.50%▲ from 4.03% Sep 14, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Platinum Elite	-	-	2.50%
Min Balance $0 Details Balance: Up to $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Platinum Elite	-	-	1.50%
Min Balance $5,000 Details Balance: Over $5,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

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

Northeast Community Credit Union’s Texas Ratio rose from 2.04% in Q3 2023 to 5.14% in Q2 2026, so its financial health has held steady at a healthy level 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
June 30, 2026	$194M	5.14%	5.0	A+
March 31, 2026	$189M	4.36%	5.0	A+
December 31, 2025	$184M	3.22%	5.0	A+
September 30, 2025	$184M	1.60%	5.0	A+
June 30, 2025	$186M	1.49%	5.0	A+
March 31, 2025	$186M	1.53%	5.0	A+
December 31, 2024	$181M	2.71%	5.0	A+
September 30, 2024	$178M	1.08%	5.0	A+
June 30, 2024	$179M	1.91%	5.0	A+
March 31, 2024	$179M	3.83%	5.0	A+
December 31, 2023	$178M	4.52%	5.0	A+
September 30, 2023	$179M	2.04%	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 Northeast Community 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 Northeast Community 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 Northeast Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northeast Community Credit Union

Website https://www.bemycu.org

Address 980 Jason Witten Way, Elizabethton, TN 37643

Phone 423-547-3820

Fax 423-547-3825

President Kathy Campbell

CEO David LeVeau

Full-Time Employees 44

Part-Time Employees 4

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.14%

Return on Assets (ROA)

0.5655%

Return on Equity (ROE)

3.3903%

Non-Performing Loans Ratio (NPL)

1.64%

Total Assets

194,160,257

Total Amount of Shares and Deposits

164,488,360

Total Shares and Deposits < 1 Year

158,917,728

Total Shares and Deposits 1 3 Years

5,390,693

Total Shares and Deposits > 3 Years

179,939

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

11,776,394

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

11,776,394

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

152,711,966

Total Interest Expense (Sum of items 6 8)

966,384

Share Certificates

633

Number of Accounts for Share Drafts

10,184

IRA KEOGH Accounts

341

Number of Accounts for Regular Shares

12,361

All other shares

1,571

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

1,097,882

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)

40,782,275

Total Liabilities

162,210,841

Source: NCUA — Last Updated 06/30/2026

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Frequently Asked Questions About Northeast Community Credit Union

How many branches does Northeast Community Credit Union operate?

Northeast Community 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 Northeast Community Credit Union?

Yes, to access services at Northeast Community 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, Northeast Community 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, Northeast Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northeast Community Credit Union offer online and mobile banking?

Most modern institutions like Northeast Community 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.bemycu.org.