Eastman

P. O. Box 1989
Kingsport, TN 37662

Overview
Membership
Savings Rates
Loan Rates
Branches
Financial Details
Articles
Reviews

Overview

General Credit Union Information


NCUA Insured	Yes
Charter Number #	# 68095
Date Established	1934
Assets	$3,452.29 million
Loans	$2,839.14 million
Deposits	$2,969.05 million
Capital	$402.37 million

Eastman is an NCUA insured institution located in Kingsport, TN. It was founded in 1934 and has approximately $3452.29 millions in assets.

Who Can Join?

You are eligible for ECU membership if you:

Live, work, worship, attend school, operate a business in one of the communities listed on our coverage maps.
( https://www.ecu.org/node/421 )

Work regularly in the healthcare industry in the following counties outside ECU’s community charter: Carter,
Hamblen, Johnson or Unicoi Counties in Tennessee; Buchanan, Russell, Smyth, Tazewell or Wise Counties in Virginia.

Are employed by one of our sponsor or contractor companies. ( https://www.ecu.org/node/422 )

Are a family member of one of our eligible members.

Field of Membership Restrictions

Membership in Eastman Credit Union is open to those who live, work, attend school or worship in Lee, Scott, Washington, Dickenson Counties, select portions of Wise and Russell Counties in Virginia and Hancock, Hawkins, Greene, Sullivan, Washington, or Sevier Counties in Tennessee and Gregg or Harrison Counties in Texas. Membership is also open to those who regularly work in the healthcare industry in the above counties and Carter, Hamblen, Johnson or Unicoi Counties in Tennessee; Buchanan, Russell, Smyth, Tazewell or Wise Counties in Virginia; employees of Eastman Chemical Company, FutureFuel Chemical Company and over 75 Select Employer Groups.

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates	APY	MIN	MAX
3 Mo CD 10K	0.50%	$2,500	$99,999	Learn MoreShow Less
6 Mo CD 10K	0.65%	$2,500	$99,999	Learn MoreShow Less
12 Mo CD 10K	1.25%	$1,000	$99,999	Learn MoreShow Less
Compare with 1.50% APY 12 Month CD from Synchrony Bank
18 Mo CD 10K	1.25%	$1,000	$99,999	Learn MoreShow Less
Compare with 1.45% APY 18 Month CD from Synchrony Bank
24 Mo CD 10K	1.35%	$1,000	$99,999	Learn MoreShow Less
Compare with 1.75% APY 2 Year CD from Synchrony Bank
30 Mo CD 10K	1.35%	$1,000	$99,999	Learn MoreShow Less
36 Mo CD 10K	1.60%	$1,000	$99,999	Learn MoreShow Less
Compare with 1.85% APY 3 Year CD from Synchrony Bank
48 Mo CD 10K	1.95%	$1,000	$99,999	Learn MoreShow Less
Compare with 2.00% APY 4 Year CD from Synchrony Bank
60 Mo CD 10K	2.55%	$1,000	$99,999	Learn MoreShow Less
Compare with 2.35% APY 60 Month CD from Synchrony Bank

Savings Rates	APY	MIN	MAX
Savings 2.5K	0.30%	$5	-	Learn MoreShow Less
Compare with 1.30% APY High Yield Savings from Synchrony Bank

Fixed IRA Rates	APY	MIN	MAX
Fixed IRA 0K	1.25%	$1,000	$99,999	Learn MoreShow Less

Variable IRA Rates	APY	MIN	MAX
Var IRA 0K	0.30%	$5	-	Learn MoreShow Less

MM Rates	APY	MIN	MAX
MM 2.5K	0.25%	$1	$9,999	Learn MoreShow Less
MM 10K	0.30%	$10,000	$24,999	Learn MoreShow Less
MM 25K	0.35%	$25,000	$49,999	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg 0K	0.05%	$1	$9,999	Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Home Equity Rates	APR	Rate	Monthly Payment
Line of Credit	4.25%	4.25%	Varies	Learn MoreShow Less
10 Year Loan	4.29%	4.25%	$512.19	Learn MoreShow Less
15 Year Loan	4.05%	4.00%	$369.84	Learn MoreShow Less

Auto Loan Rates	APR	Rate	Monthly Payment
3 Year	1.79%	1.79%	$713.77	Learn MoreShow Less
4 Year	2.35%	2.35%	$546.21	Learn MoreShow Less
5 Year	2.35%	2.35%	$442.03	Learn MoreShow Less

Refinance Mortgage Rates	APR	Rate	Monthly Payment
15 Year Fixed Jumbo	3.53%	3.50%	$1,787.21	Learn MoreShow Less
15 Year Fixed Conforming	3.56%	3.50%	$1,787.21	Learn MoreShow Less
20 Year Fixed Jumbo	4.02%	4.00%	$1,514.95	Learn MoreShow Less
20 Year Fixed Conforming	4.05%	4.00%	$1,514.95	Learn MoreShow Less
30 Year Fixed Jumbo	4.27%	4.25%	$1,229.85	Learn MoreShow Less
30 Year Fixed Conforming	4.29%	4.25%	$1,229.85	Learn MoreShow Less

Purchase Mortgage Rates	APR	Rate	Monthly Payment
15 Year Fixed Conforming	3.15%	3.00%	$1,726.45	Learn MoreShow Less
15 Year Fixed Jumbo	3.53%	3.50%	$1,787.21	Learn MoreShow Less
20 Year Fixed Jumbo	4.02%	4.00%	$1,514.95	Learn MoreShow Less
20 Year Fixed Conforming	4.05%	4.00%	$1,514.95	Learn MoreShow Less
30 Year Fixed Jumbo	4.27%	4.25%	$1,229.85	Learn MoreShow Less
30 Year Fixed Conforming	4.29%	4.25%	$1,229.85	Learn MoreShow Less

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Below are Eastman branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia

Eastman Locations

Financial Details

Eastman Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Eastman. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA insured. Depositors should be careful to remain within NCUA-insurance limits.

Texas Ratio

Eastman	U.S. Average
0.97%	7.80%

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. As of December 31, 2016, Eastman had $2,633,618 in non-current loans and $1,381,196 in owned assets. To cover these potential losses it had $402,365,947 in net worth and $11,244,404 in loans loss reserves. That gives it a Texas Ratio of 0.97%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a credit union has to absorb its loan losses.

Net Worth

Eastman	U.S. Average
12.77%	13.06%

Eastman FCU has a net worth of 12.77% versus the BestCashCow average of 13.06%. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.