• Minimum deposit of $25.00 required for membership

  • Dividends are compounded and credited quarterly

  • Minimum withdrawal amount is $5.00

  • Free Notary Service

  • Free Home Banking

  • No minimum balance required

  • No monthly check limits

  • No hidden fees

  • Low cost checks

  • Gift Cards $3.00 activation fee

  • Debit your account for monthly bills

  • Direct deposit

  • Overdraft protection

  • Free Debit/ATM card

 

  • Minimum deposit of $1000.00 required to open account

  • 6, 12, and 36 months: Dividends are compounded and credited quarterly

  • 24 months: Dividends are compounded and credited at maturity

  • Minimum balance requirement is $1000.00

  • No minimum balance required

  • Dividends are compounded and credited quarterly

 


Loans Savings Certificates Fee Schedule

Effective as of: 10/01/2015
Shared Secured
This loan is designed to borrow against your share account balance to provide you with a lower rate than an unsecured loan.
TermAPR*
36 Months2% above the current rate of shares or CD's
Signature Loans
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
TermAPR*
36 Months9.90% to 18.00%
New Autos
Financing your new auto with your credit union is the way to go. Take the rebate offered by dealership and finance with us, you are guaranteed to save. 100% of Retail Value.
TermAPR*
Up to 72 MonthsAs Low As 1.99%
Used Autos
We will finance Loan Value or average retail / trade-in/loan value.
TermAPR*
60 Months3.25% and up
54 Months3.25% and up
48 Months3.25% and up
36 Months3.25% and up
Classic Cars12.00% (90%) NADA
Model years financed as used:
Year ModelMax. Financing
201572 Months
201472 Months
201360 Months
201260 Months
201160 Months
201060 Months
200948 Months
200848 Months
200736 Months
200636 Months
Classic Cars36 Months
This loan can be used for a variety of reasons such as bill consolidation, auto repair, family emergencies, etc. **
Helping Hand Loans
TermAPR*
3 months18.00%
Personal, Car, and Helping Hand loans all have a $20.00 application fee.
   
   
     
Mailing Address 1021 W. Oakland Ave., Suite 110, Johnson City, TN 37604
Nationwide Mortgage Licensing System & Registry Mortgage Loan Originator John F. Hunter II
ID Number
1383053
Email Member Services memberservices
Email Loan Services loanservices or acox@mountainstatescu.org

HOSPITAL OFFICE

400 North State of Franklin Road
Johnson City, TN 37604

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

Business Hours

Monday, Tuesday, Thursday: 7:30 - 4:00 PM
Wednesday:  7:30-12:00 PM
Friday:  7:30-6:00 PM
NORTHPOINT BRANCH OFFICE

1021 West Oakland Avenue
Johnson City, TN 37604

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

Lobby Hours

Monday, Tuesday, Thursday: 7:30 - 4:00 PM
Wednesday:  7:30 - 12:00 PM
Friday: 7:30 - 6:00 PM

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

FRANKLIN WOODS COMMUNITY HOSPITAL

300 Med Tech Parkway
Johnson City, TN 37604

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

Business Hours

Monday, Tuesday, Thursday, Friday: 8:00 - 2:00 PM
Wednesday:  8:00 - 11:30 AM
Lost or Stolen VISA Debit Cards 1-800-472-3272