Eastman Credit Union
Headquarters
P. O. Box 1989
Kingsport, TN 37662
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Phone 1-423-578-7676
2025 Overview
General Credit Union Information
Eastman is an NCUA insured institution located in Kingsport, TN. It was founded in 1934 and has approximately $9392.91 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.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68095 |
| Date Established | 1934 |
| Assets | $9,392.91 million |
| Loans | $7,562.96 million |
| Deposits | $8,037.07 million |
| Capital | $1,290.79 million |
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.
Deposit Rates - July 30, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.30% | $5 | - |
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|
|
Money Market
|
0.75% | $0 | $9,999 |
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|
Money Market
|
1.00% | $25,000 | $49,999 |
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|
|
Money Market
|
2.00% | $200,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.25% | $2,500 | - |
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|
| 6 Mo CD
|
4.30% | $100,000 | - |
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|
| 12 Mo CD
|
4.25% | $1,000 | - |
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|
| 12 Mo CD
|
4.30% | $100,000 | - |
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|
| 18 Mo CD
|
4.25% | $1,000 | - |
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|
| 18 Mo CD
|
4.30% | $100,000 | - |
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|
| 24 Mo CD
|
4.00% | $1,000 | - |
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|
| 24 Mo CD
|
4.05% | $100,000 | - |
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|
| 30 Mo CD
|
4.00% | $1,000 | - |
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|
| 30 Mo CD
|
4.05% | $100,000 | - |
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|
| 36 Mo CD
|
4.00% | $1,000 | - |
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|
| 36 Mo CD
|
4.05% | $100,000 | - |
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|
| 48 Mo CD
|
4.00% | $1,000 | - |
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|
| 48 Mo CD
|
4.05% | $100,000 | - |
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|
| 60 Mo CD
|
4.00% | $1,000 | - |
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|
| 60 Mo CD
|
4.05% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $1 | $9,999 | Learn More |
| INTCK
|
0.20% | $50,000 | $99,999 | Learn More |
Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.30% | 3.30% | $730.34 | |
| 4 Year | 3.30% | 3.30% | $556.68 | |
| 5 Year | 3.30% | 3.30% | $452.56 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
8.17% | 7.00% | $2,128.97 | |
| 15 Year Fixed Conforming See Amortization Table |
6.91% | 6.63% | $2,810.46 | |
| 30 Year Fixed Conforming See Amortization Table |
7.41% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
8.17% | 7.00% | $2,128.97 | |
| 15 Year Fixed Conforming See Amortization Table |
6.91% | 6.63% | $2,810.46 | |
| 30 Year Fixed Conforming See Amortization Table |
7.41% | 7.25% | $2,182.96 | |
Compare with 6.368% APR and 6.250% 30-Year Fixed RATE from Reliant Home Funding, Inc.
See All Mortgage Rates |
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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:
New York City,New York
Eastman Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 504.61 | A | View Lobby Hours | |
| 513.57 | B | View Lobby Hours | |
| 520.56 | C | View Lobby Hours | |
| 526.92 | D | View Lobby Hours | |
| 527.07 | E | View Lobby Hours | |
| 533.90 | F | View Lobby Hours | |
| 534.06 | G | View Lobby Hours | |
| 536.48 | H | View Lobby Hours | |
| 536.53 | I | View Lobby Hours | |
| 536.61 | J | View Lobby Hours | |
| 536.71 | K | View Lobby Hours | |
| 536.87 | L | View Lobby Hours | |
| 536.87 | M | View Lobby Hours | |
| 536.87 | N | View Lobby Hours | |
| 536.99 | O | View Lobby Hours | |
| 537.75 | P | View Lobby Hours | |
| 537.94 | Q | View Lobby Hours | |
| 538.43 | R | View Lobby Hours | |
| 538.89 | S | View Lobby Hours | |
| 539.17 | T | View Lobby Hours | |
| 541.63 | U | View Lobby Hours | |
| 559.52 | V | View Lobby Hours | |
| 562.92 | W | View Lobby Hours | |
| 1234.87 | X | View Lobby Hours | |
| 1237.57 | Y | View Lobby Hours |
Climate Policy and Initiatives
EASTMAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 2.94% | 6.86 |
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. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of March 31, 2025, Eastman had $36,318,083 in non-current loans and $2,420,773 in owned assets. To cover these potential losses it had $1,290,786,846 in net worth and $25,315,926 in loans loss reserves. That gives it a Texas Ratio of 2.94%.
Net Worth
| Eastman | U.S. Average |
|---|---|
| 13.74% | 14.12% |
Eastman FCU has a net worth of 13.74% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Eastman
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