Our mission is to provide financial products and services that adds superior value to members. 
  Mountain States Credit Union is a member owned, not-for-profit financial institution that exists to provide superior financial products and services to current and former healthcare employees and their families. If you are an employee of Mountain States Health Alliance or a medical employee of Washington County, TN, you are eligible. Families include mothers, fathers, grandparents, brothers, sisters, aunts, uncles, and cousins. 
  It's easy to join.  Our only membership requirement is that you keep a $25.00  minimum balance in your regular share (savings) account.  However, we hope you choose to use many of the Credit Union's products and services.
  Business Hours: Monday, Tuesday, Thursday, Friday: 7:30 - 4:00 PM   Wednesday:  7:30-12:00 PM
  400 North State of Franklin Road   
  Johnson City, TN  37604  
  Fax (423) 431-2900

Lobby Hours:

Monday, Tuesday, Thursday: 10:00 - 2:00 PM
Wednesday:  7:30 - 12:00 PM
Friday  7:30 - 2:00 PM

Drive Thru Hours:

Monday, Tuesday, Thursday, Friday: 7:30 - 4:00 PM
Wednesday:  7:30 - 12:00 PM
1021 West Oakland Avenue 
  Johnson City, TN  37604  
  Fax (423) 952-3131 
  Business Hours: Monday, Tuesday, Thursday, Friday: 7:30 - 3:00 PM   Wednesday:  7:30-12:00 PM
  300 Med Tech Park 
  Johnson City, TN  37604  
  Fax (423) 302-1162 

Special Hours at MSHA hospitals 

  MSCU offers special hours for your convenience at the following MSHA
** Thursday  
Non-Payroll Weeks:
CBO: 10:30-11:15 AM
Sycamore Shoals Hospital: 12:00-1:30 PM
Payroll Weeks:
CBO: 8:30-9:00 AM
Unicoi County Memorial Hospital: 10:00-11:00 AM
Sycamore Shoals Hospital: 12:00-1:30 PM
  MSCU is at Admissions in Sycamore Shoals Hospital, at the Front Entrance at CBO, and in the Lobby at Unicoi County Memorial Hospital to transact the following business: open accounts, cash checks, process withdrawals, deposits, take loan applications, take check/ATM applications, direct deposit, and payroll deduction forms.
  Mountain States Credit Union is a member owned financial institution, committed to providing you financial  products and services to meet your needs and reach your financial goals.  We are equally committed to protecting our member's privacy.  You can be confident that your financial privacy is a priority of this credit union.  We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.  If you have any questions, please contact at us at (423) 431-6361.

Information We Collect and Disclose About You

We collect nonpublic personal information about you from the following sources:
   - Information we receive from you on applications and other forms;
   - Information about your transactions with us or others;
   - Information  we receive from a consumer reporting agency;
   - Infomation obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the Credit Union we may also disclose nonpublic personal information under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our Credit Union, and follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Mountain States Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What You Can Do To Help Protect Your Privacy

Mountain States Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
 - Protect your account numbers, card numbers, PINs, and passwords. Never keep your PIN with your ATM or debit cards, which can provide free access to your accounts if your card is lost or stolen.
 - Use caution when disclosing your account numbers, social security numbers, ect. to other persons. If someone calls you, explains the call is on behalf of the Credit Union, and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.  Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you have questions concerning this notice, please do not hesitate to call us - we are here to serve you.


  Customer Identification Requirements

In accordance with Section 326 of the USA Patriot Act, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information. Also required by our institution is a copy of work identification and social security card. 

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customers’ identity and confidentiality is our pledge to you. 

We proudly support all efforts to protect and maintain the security of our customers and our country.

Mailing Address 400 N State of Franklin Rd Johnson City, TN 37604
Nationwide Mortgage Licensing System & Registry Mortgage Loan Originator Parolea M. York
ID Number
Email Member Services memberservices or yorkpm@msha.com

400 North State of Franklin Road
Johnson City, TN 37604

Phone 423-431-6361
Fax 423-431-2900

Business Hours
Monday, Tuesday, Thursday, Friday 7:30 - 4:00 PM
Wednesday 7:30 - 12:00 PM


1021 West Oakland Avenue
Johnson City, TN 37604

Phone 423-952-3120
Fax 423-952-3131

Lobby Hours
Monday, Tuesday, Thursday 10:00 - 2:00 PM
Wednesday 7:30 - 12:00 PM
Friday 7:30 - 2:00 PM

Drive Thru Hours
Monday, Tuesday, Thursday, Friday 7:30 - 4:00 PM
Wednesday 7:30 - 12:00 PM


300 Med Tech Parkway
Johnson City, TN 37604

Phone 423-302-1163
Fax 423-302-1162

Business Hours
Monday, Tuesday, Thursday, Friday 7:30 - 3:00 PM
Wednesday 7:30 - 12:00 PM

Lost or Stolen VISA Debit Cards 1-800-472-3272