☰

Home›
Credit Unions›
Eastman Credit Union

iAdvertiser Disclosure

Eastman Credit Union Rates & Review October 2026

Q: What are the current interest rates at Eastman Credit Union?

Current rates for Eastman Credit Union include: 24-Month CD: 4.00%, 60-Month CD: 4.00%, Savings: 0.30%, MMA: 2.00%

Q: What CD terms does Eastman Credit Union offer?

The Eastman Credit Union CD terms we track include 2 year and 5 year terms, with rates from 4.20% to 4.25% APY. The institution may offer other terms or specials that are not listed here, so check with Eastman Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 19, 2026

Eastman Credit Union's 180 - 364 Day Business Investment CD - Jumbo rates are at 4.25%, 180 - 364 Day Investment CD - Jumbo rates are at 4.25%, Investment CD - 180 to 364 days Jumbo rates are at 4.25%, 180 - 364 Day Business Investment CD rates are at 4.20%, 180 - 364 Day Investment CD rates are at 4.20%. Eastman Credit Union's savings rates are at 0.30%. Eastman Credit Union's money market rates are at 2.00%. Eastman Credit Union's checking rates are as high as 0.30%. Eastman Credit Union's Adjustable Rate Mortgage - 5/1 ARM rates are at 5.12%, Adjustable Rate Mortgage - 7/1 ARM rates are at 5.38%, Fixed Rate Mortgage - 15 Year Fixed rates are at 6.25%, Fixed Rate Mortgage - 30 Year Fixed rates are at 6.88%, 30 Year Fixed First Time Home Buyers rates are at 8.12%. Eastman Credit Union's Student Loan Rates are as low as 5.25%. Eastman Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Eastman Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.56%. Rates last updated and verified on 10/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Eastman Credit Union
MeadowView

2021 Meadowview Ln
Kingsport, TN 37660

https://www.ecu.org

Customer Reviews

Be the first to review

Write a Review

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.

Eastman Credit Union CD Rates

Product	Rate	APY	Term
180 - 364 Day Investment Certificate - Jumbo	4.17%	4.25%	180 to 364 days
Min Balance $100,000 Details $100k; Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 180 to 364 days Jumbo	4.17%	4.25%	180 to 364 days
Min Balance $100,000 Details Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
180 - 364 Day Investment Certificate	4.12%	4.20%	180 to 364 days
Min Deposit $2,500 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Sep 27, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 180 to 364 days	4.12%	4.20%	180 to 364 days
Min Deposit $2,500 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
1 - 2 Year Investment Certificate - Jumbo	3.98%	4.05%	1 months
Min Balance $100,000 Details $100k; Term: 1 to 2 Years (365 to 729 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
2 - 3 Year Investment Certificate - Jumbo	3.98%	4.05%	2 months
Min Balance $100,000 Details $100k; Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
3 - 4 Year Investment Certificate - Jumbo	3.98%	4.05%	3 months
Min Balance $100,000 Details $100k; Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
4 - 5 Year Investment Certificate - Jumbo	3.98%	4.05%	4 months
Min Balance $100,000 Details $100k; Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
5 Year Investment Certificate - Jumbo	3.98%	4.05%	5 Years
Min Balance $100,000 Details $100k; Term: 5 Years (1,826 to 2,190 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 1 to 2 Years (365 to 729 days) Jumbo	3.98%	4.05%	1 months
Min Balance $100,000 Details Term: 1 to 2 Years (365 to 729 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 2 to 3 Years (730 to 1,094 days) Jumbo	3.98%	4.05%	2 months
Min Balance $100,000 Details Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years (1,095 to 1,460 days) Jumbo	3.98%	4.05%	3 months
Min Balance $100,000 Details Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 4 to 5 Years (1,461 to 1,825 days) Jumbo	3.98%	4.05%	4 months
Min Balance $100,000 Details Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 5 Years (1,826 to 2,190 days) Jumbo	3.98%	4.05%	5 Years
Min Balance $100,000 Details Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
1 - 2 Year Investment Certificate	3.93%	4.00%	1 months
Min Deposit $1,000 Details Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
2 - 3 Year Investment Certificate	3.93%	4.00%	2 months
Min Deposit $1,000 Details Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
3 - 4 Year Investment Certificate	3.93%	4.00%	3 months
Min Deposit $1,000 Details Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
4 - 5 Year Investment Certificate	3.93%	4.00%	4 months
Min Deposit $1,000 Details Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
5 Year Investment Certificate	3.93%	4.00%	5 Years
Min Deposit $1,000 Details Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 1 to 2 Years (365 to 729 days)	3.93%	4.00%	1 months
Min Deposit $1,000 Details Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 2 to 3 Years (730 to 1,094 days)	3.93%	4.00%	2 months
Min Deposit $1,000 Details Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years (1,095 to 1,460 days)	3.93%	4.00%	3 months
Min Deposit $1,000 Details Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 4 to 5 Years (1,461 to 1,825 days)	3.93%	4.00%	4 months
Min Deposit $1,000 Details Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 5 Years (1,826 to 2,190 days)	3.93%	4.00%	5 Years
Min Deposit $1,000 Details Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
30 - 89 Day Investment Certificate - Jumbo	3.74%	3.80%	30 to 89 days
Min Balance $100,000 Details $100k; Jumbo ($100k minimum); Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
90 - 179 Day Investment Certificate - Jumbo	3.74%	3.80%	90 to 179 days
Min Balance $100,000 Details $100k; Jumbo ($100k minimum); Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 30 to 89 days Jumbo	3.74%	3.80%	30 to 89 days
Min Balance $100,000 Details Jumbo ($100k minimum); Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 90 to 179 days Jumbo	3.74%	3.80%	90 to 179 days
Min Balance $100,000 Details Jumbo ($100k minimum); Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
30 - 89 Day Investment Certificate	3.69%	3.75%	30 to 89 days
Min Deposit $2,500 Details Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
365 Day HSA Certificate	3.69%	3.75%	365 Days
Min Deposit $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
365 Day Lifeline Savers Certificate	3.69%	3.75%	365 days
Min Deposit $100 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
90 - 179 Day Investment Certificate	3.69%	3.75%	90 to 179 days
Min Deposit $2,500 Details Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
HSA Certificate (365 Days)	3.69%	3.75%	365 Days
Min Deposit $1,000 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 30 to 89 days	3.69%	3.75%	30 to 89 days
Min Deposit $2,500 Details Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Investment Certificate - 90 to 179 days	3.69%	3.75%	90 to 179 days
Min Deposit $2,500 Details Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Lifeline Savers Certificate (365 days)	3.69%	3.75%	365 days
Min Deposit $100 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Business CD Rates

Product	Rate	APY	Term
180 - 364 Day Business Investment Certificate - Jumbo	4.17%	4.25%	180 to 364 days
Min Deposit $100,000 Details $100k; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
180 - 364 Day Business Investment Certificate	4.12%	4.20%	180 to 364 days
Min Deposit $2,500 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00% Oct 14, 20264.20%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate - Jumbo	3.98%	4.05%	1 months
Min Deposit $100,000 Details $100k; Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate - Jumbo	3.98%	4.05%	2 months
Min Deposit $100,000 Details $100k; Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate - Jumbo	3.98%	4.05%	3 months
Min Deposit $100,000 Details $100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate - Jumbo	3.98%	4.05%	4 months
Min Deposit $100,000 Details $100k; Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 240 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
5 Year Business Investment Certificate - Jumbo	3.98%	4.05%	5 Years
Min Deposit $100,000 Details $100k; Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 240 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate	3.93%	4.00%	1 months
Min Deposit $1,000 Details Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate	3.93%	4.00%	2 months
Min Deposit $1,000 Details Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate	3.93%	4.00%	3 months
Min Deposit $1,000 Details Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate	3.93%	4.00%	4 months
Min Deposit $1,000 Details Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 240 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
5 Year Business Investment Certificate	3.93%	4.00%	5 Years
Min Deposit $1,000 Details Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 240 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
30 - 89 Day Business Investment Certificate - Jumbo	3.74%	3.80%	30 to 89 days
Min Deposit $100,000 Details $100k; Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
90 - 179 Day Business Investment Certificate - Jumbo	3.74%	3.80%	90 to 179 days
Min Deposit $100,000 Details $100k; Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
30 - 89 Day Business Investment Certificate	3.69%	3.75%	30 to 89 days
Min Deposit $2,500 Details Early Withdrawal Penalty: The greater of 7 days dividends on the amount withdrawn or all dividends earned on the amount withdrawn. Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
90 - 179 Day Business Investment Certificate	3.69%	3.75%	90 to 179 days
Min Deposit $2,500 Details Early Withdrawal Penalty: 90 Days' Dividends Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Savings Rates

Product	Rate	APY	View More
Personal Savings	0.30%	0.30%
Min Balance $5 Details Balance: Any amount greater than $5.00; Rate and APY for the share account also applies to the Christmas Club, Wellness, Stash Your Cash and Secure Visa accounts Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Money Market Rates

Product	Rate	APY
IMMA Advantage	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Individual Money Market Account	1.98%	2.00%
Min Balance $200,000 Details Balance: $200,000 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IMMA Advantage	1.79%	1.80%
Min Balance $100,000 Details Balance: $100,000 - 199,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Individual Money Market Account	1.79%	1.80%
Min Balance $100,000 Details Balance: $100,000 - 199,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IMMA Advantage	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Individual Money Market Account	1.24%	1.25%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IMMA Advantage	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 10/19/2026 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: 1.56%
Individual Money Market Account	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IMMA Advantage	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Individual Money Market Account	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IMMA Advantage	0.75%	0.75%
Min Balance $0 Details Balance: $0 - 9,999 Last Updated 10/19/2026 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: 1.56%
Individual Money Market Account	0.75%	0.75%
Min Balance $0 Details Balance: $0 - 9,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Checking Rates

Product	Rate	APY
Personal Checking	0.30%	0.30%
Min Balance $200,000 Details Balance: $200,000 or greater Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Personal Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - 199,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Personal Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - 99,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Personal Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - 49,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Personal Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - 24,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Personal Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 9,999 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Business Checking Rates

Product	Rate	APY	View More
Advantage Basic Business Checking	0.05%	0.05%
Details Balance: No minimum balance requirement Last Updated 10/19/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage - 5/1 ARM	5.125%	1.000%	6.03%
Details Purchase transaction with 20% down payment; APR based on $100,000 loan amount for 80% LTV purchase Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.03% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Adjustable Rate Mortgage - 7/1 ARM	5.375%	1.000%	6.034%
Details Purchase transaction with 20% down payment; APR based on $100,000 loan amount for 80% LTV purchase Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.03% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Fixed Rate Mortgage - 15 Year Fixed	6.25%	1.000%	6.688%	15 years
Details Purchase transaction with 20% down payment; APR based on $100,000 loan amount for 80% LTV purchase Last Updated 10/19/2026 Rate History 2 changes since Sep 27, 2026 · 6.56% → 6.69% ▲ 0.13 pts · high 6.81% / low 6.56% Oct 19, 20266.69%▼ from 6.81% Oct 1, 20266.81%▲ from 6.56% Sep 27, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Fixed Rate Mortgage - 30 Year Fixed	6.875%	1.000%	7.149%	30 years
Details Purchase transaction with 20% down payment; APR based on $100,000 loan amount for 80% LTV purchase Last Updated 10/19/2026 Rate History 2 changes since Sep 27, 2026 · 7.02% → 7.15% ▲ 0.13 pts · high 7.28% / low 7.02% Oct 19, 20267.15%▼ from 7.28% Oct 1, 20267.28%▲ from 7.02% Sep 27, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
30 Year Fixed First Time Home Buyers	8.125%	-	8.311%	30 years
Details Rates are based on a purchase transaction with a 0% down payment. APR is based on $100,000 loan amount for a 105% LTV purchase and reflects any pre-paid finance charge. Last Updated 10/19/2026 Rate History 3 changes since Sep 14, 2026 · 8.06% → 8.31% ▲ 0.25 pts · high 8.44% / low 8.06% Oct 19, 20268.31%▼ from 8.44% Oct 1, 20268.44%▲ from 8.18% Sep 27, 20268.18%▲ from 8.06% Sep 14, 20268.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Year Fixed	6.50%	-	6.675%	5 Year
Details East Tennessee, SW Virginia, and Texas areas; APR is based on $30,000 loan amount for an 80% LTV; Property Insurance is required Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 6.68% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Home Equity Line of Credit - 15 Year Adjustable	7.00%	-	7.00%	15 Year
Details Rate: 7.000%; APR: 7.000%; Assumes use of tax assessment. The maximum APR for Variable Rate HELOCs is 18%. HELOC Interest Rate Floor is 3.500% for East Tennessee; and SW Virginia areas. Property Insurance is required. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Home Equity Loan - 10 Year Fixed	7.00%	-	7.094%	10 Year
Details East Tennessee, SW Virginia, and Texas areas; APR is based on $30,000 loan amount for an 80% LTV; Property Insurance is required Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 7.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Home Equity Line of Credit - 20 Year Interest Only (First 10 Years)	7.125%	-	7.125%	20 Year
Details Rate: 7.125%; APR: 7.125%; First 10 years is the draw period, the second 10 years is the repayment period. Assumes use of tax assessment. The maximum APR for Variable Rate HELOCs is 18%. HELOC Interest Rate Floor is 3.500% for East Tennessee; and SW Virginia areas. Property Insurance is required. Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Home Equity Loan - 15 Year Fixed	7.25%	-	7.318%	15 Year
Details East Tennessee, SW Virginia, and Texas areas; APR is based on $30,000 loan amount for an 80% LTV; Property Insurance is required Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 7.32% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Auto	-	-	4.74%	36 - 120 months
Details As Low As; APR range 4.740% - 12.240%; Payment example $308.64 - $382.82 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Auto Loan - Used Auto	-	-	4.99%	36 - 120 months
Details As Low As; APR range 4.990% - 12.890%; Payment example $310.96 - $389.68 Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV & Powersports Loan	-	5.65%	36 - 180 Months
Details As Low As; APR range 5.650% - 8.600%; Payment Example $317.17 - $345.70 (based on $20,000 for 75 months) Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Used RV & Powersports Loan	-	5.85%	36 - 180 Months
Details As Low As; APR range 5.850% - 9.090%; Payment Example $319.05 - $350.58 (based on $20,000 for 75 months) Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Credit Card Rates

Product	Rate	APR
Platinum Preferred Credit Card	-	9.90%
Details Rate Type: Fixed; Minimum Limit: $2,500; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; Rewards: one point per dollar spent (purchases only) toward gift items and travel services; Eligibility based on previous lending history. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Classic Fixed Credit Card	-	10.90%
Details APR range: 10.90% - 18.00%; Rate Type: Fixed; Minimum Limit: $500; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; ECU sets fixed APR based on creditworthiness. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 10.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Visa Secure	-	10.90%
Details APR range: 10.90% - 18.00%; Rate Type: Fixed; Minimum limit $300, Maximum limit $2,500; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; Requires Credit Builder Sec Visa Pledge Account; Application not available online. Last Updated 10/19/2026 Rate History No change since Sep 27, 2026 · 10.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Classic Variable Credit Card	-	11.50%
Details APR range: 11.50% - 18.00%; Rate Type: Variable; Minimum Limit: $500; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; Based on Prime Rate plus a margin based on creditworthiness; rate may change. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Cash Rewards Credit Card	-	12.90%
Details APR range: 12.90% - 17.90%; Rate Type: Fixed; Minimum Limit: $1,000; Annual Fee:; Purchase Fee:; Balance Transfer Fee:; Cash Advance Fee:; Rewards: at least 1% of net purchases, available in $25 increments; ECU sets fixed APR based on creditworthiness. Last Updated 10/19/2026 Rate History No change since Oct 14, 2026 · 12.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Personal Loan Rates

Product	APR	Term
Student Consolidation Loan	5.25%	Up to 60 months
Details As Low As; Fixed Rate; Payment Example $115.72 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Consolidation Loan	5.60%	Up to 84 months
Details As Low As; Fixed Rate; Payment Example $116.52 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Consolidation Loan	6.25%	Up to 180 months
Details As Low As; Fixed Rate; Payment Example $118.01 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Consolidation Loan	6.75%	Up to 216 months
Details As Low As; Fixed Rate; Payment Example $119.16 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Consolidation Loan	7.25%	Up to 240 months
Details As Low As; Fixed Rate; Payment Example $120.32 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Consolidation Loan	7.75%	Up to 300 months
Details As Low As; Fixed Rate; Payment Example $121.49 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Personal Loan - Up to 84 Months Fixed Rate	8.45%	Up to 84 Months
Details APR as low as; Fixed Rate; Payment example: $136.28 based on $3,000 for 24 months Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 8.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

Eastman Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Equipment Loan	-	-	6.65%	36 - 180 months
Details As Low As; Rate Type: Fixed Rate; APR range 6.650% - 10.090%; Payment Example $326.62 - $360.58 (based on $20,000 for 75 months) Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 6.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Line of Credit Loan	-	-	11.85%	Up to 60 months
Details As Low As; Rate Type: Fixed Rate; Payment example $131.31 based on $5,000 for 48 months Last Updated 10/19/2026 Rate History No change since Oct 10, 2026 · 11.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Salary Advance Line of Credit	-	-	17.75%	Up to 90 days
Details As Low As; Rate Type: Fixed Rate; $25 annual participation fee Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 17.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Line of Credit - 132 Months	-	-	4.40%	132 Months
Details As Low As; Fixed Rate; Term is repayment period beginning six months after graduation; Payment example: $113.80 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Line of Credit - 168 months	-	-	4.90%	168 months
Details As Low As; Fixed Rate; Term is repayment period beginning six months after graduation; Payment example: $114.93 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Line of Credit - 192 months	-	-	5.40%	192 months
Details As Low As; Fixed Rate; Term is repayment period beginning six months after graduation; Payment example: $116.06 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
Student Line of Credit - 252 months	-	-	5.90%	252 months
Details As Low As; Fixed Rate; Term is repayment period beginning six months after graduation; Payment example: $117.20 Last Updated 10/19/2026 Rate History No change since Sep 14, 2026 · 5.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IRA Access Account	0.25%	-	0.25%
Min Deposit $10,000 Details Minimum: $10,000; Dividends paid monthly; APY accurate as of October 19, 2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%
IRA Accumulation Account	0.30%	-	0.30%
Min Deposit $5 Details Minimum: $5.00; Dividends paid monthly; APY accurate as of October 19, 2026 Last Updated 10/19/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.56%

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

Eastman Credit Union’s Texas Ratio rose from 0.84% in Q3 2023 to 1.56% in Q2 2026, so its financial health has stayed very strong 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	$10.2B	1.56%	5.0	A+
March 31, 2026	$10.1B	0.80%	5.0	A+
December 31, 2025	$9.9B	1.51%	5.0	A+
September 30, 2025	$9.7B	1.27%	5.0	A+
June 30, 2025	$9.5B	1.14%	5.0	A+
March 31, 2025	$9.4B	0.61%	5.0	A+
December 31, 2024	$9.1B	1.23%	5.0	A+
September 30, 2024	$8.9B	1.15%	5.0	A+
June 30, 2024	$8.6B	0.94%	5.0	A+
March 31, 2024	$8.4B	0.74%	5.0	A+
December 31, 2023	$8.0B	1.35%	5.0	A+
September 30, 2023	$7.8B	0.84%	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 Eastman 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 Eastman 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 Eastman Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eastman Credit Union

Website https://www.ecu.org

Address 2021 Meadowview Ln, Kingsport, TN 37660

Phone 423-229-8200

Fax 423-578-7630

President Norris Sneed

CEO Kelly Price

Full-Time Employees 1,086

Part-Time Employees 13

Branch Locations 30

ATM Locations 30

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.56%

Return on Assets (ROA)

0.9763%

Return on Equity (ROE)

6.5644%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

10,171,443,341

Total Amount of Shares and Deposits

8,567,590,834

Total Shares and Deposits < 1 Year

7,379,400,668

Total Shares and Deposits 1 3 Years

870,575,841

Total Shares and Deposits > 3 Years

317,614,325

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

1,090,043,397

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

1,090,043,397

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

7,477,547,437

Total Interest Expense (Sum of items 6 8)

99,889,496

Share Certificates

69,503

Number of Accounts for Share Drafts

278,510

IRA KEOGH Accounts

21,020

Number of Accounts for Regular Shares

414,287

All other shares

5,964

Money Market Shares

11,071

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)

1,827,786,515

Total Liabilities

8,661,762,797

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Eastman Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/eastman-credit-union-rates-review-68095">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Eastman Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Eastman Credit Union

Frequently Asked Questions About Eastman Credit Union

Does Eastman Credit Union offer CDs?

Yes. Eastman Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Eastman Credit Union NCUA insured?

Yes. Eastman Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Eastman Credit Union?

The highest CD rate MonitorBankRates has verified for Eastman Credit Union is 4.25% APY on its 180 - 364 Day Business Investment CD - Jumbo, as of October 19, 2026.

What CD terms does Eastman Credit Union offer?

The Eastman Credit Union CD terms we track include 2 year and 5 year terms, with rates from 4.20% to 4.25% APY. The institution may offer other terms or specials that are not listed here, so check with Eastman Credit Union for its full lineup.

What is the highest savings rate at Eastman Credit Union?

The highest savings rate MonitorBankRates has verified for Eastman Credit Union is 0.30% APY on its Personal Savings, as of October 19, 2026.

What is the highest money market rate at Eastman Credit Union?

The highest money market rate MonitorBankRates has verified for Eastman Credit Union is 2.00% APY on its Individual Money Market Account, as of October 19, 2026.

What is the highest checking rate at Eastman Credit Union?

The highest checking rate MonitorBankRates has verified for Eastman Credit Union is 0.30% APY on its Personal Checking, as of October 19, 2026.

What is the lowest 30 year fixed mortgage rate at Eastman Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Eastman Credit Union is 6.875% rate on its Fixed Rate Mortgage - 30 Year Fixed, as of October 19, 2026.

What is the lowest auto loan rate at Eastman Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Eastman Credit Union is 4.74% APR on its Auto Loan - New Auto, as of October 19, 2026.

What is the lowest credit card APR at Eastman Credit Union?

The lowest credit card rate MonitorBankRates has verified for Eastman Credit Union is 9.90% APR on its Platinum Preferred Credit Card, as of October 19, 2026.

How many branches does Eastman Credit Union operate?

Eastman 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 Eastman Credit Union?

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

Does Eastman Credit Union offer online and mobile banking?

Most modern institutions like Eastman 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.ecu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Eastman Credit Union rates compare?

Eastman Credit Union's top rates are 4.25% APY on its 180 - 364 Day Business Investment CD - Jumbo, 0.30% APY on savings, 2.00% APY on money market, 0.30% APY on checking, 5.125% on its Adjustable Rate Mortgage - 5/1 ARM, student loans from 5.25% APR and credit cards from 9.90% APR, verified by MonitorBankRates on October 19, 2026. To compare Eastman Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.

Current Eastman Credit Union Rates

24-Month CD4.00%
60-Month CD4.00%
Savings0.30%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Eastman Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Eastman Credit Union Texas Ratio

Eastman Credit Union Health Trend

Eastman Credit Union CD Rates

Eastman Credit Union Business CD Rates

Eastman Credit Union Savings Rates

Eastman Credit Union Money Market Rates

Eastman Credit Union Checking Rates

Eastman Credit Union Business Checking Rates

Eastman Credit Union Mortgage Rates

Eastman Credit Union Home Equity & HELOC

Eastman Credit Union Auto Loan Rates

Eastman Credit Union RV, Boat and Powersport Loan Rates

Eastman Credit Union Credit Card Rates

Eastman Credit Union Personal Loan Rates

Eastman Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Eastman Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Eastman Credit Union

Does Eastman Credit Union offer CDs?

Are CDs from Eastman Credit Union NCUA insured?

What is the highest CD rate at Eastman Credit Union?

What CD terms does Eastman Credit Union offer?

What is the highest savings rate at Eastman Credit Union?

What is the highest money market rate at Eastman Credit Union?

What is the highest checking rate at Eastman Credit Union?

What is the lowest 30 year fixed mortgage rate at Eastman Credit Union?

What is the lowest auto loan rate at Eastman Credit Union?

What is the lowest credit card APR at Eastman Credit Union?

How many branches does Eastman Credit Union operate?

Is a member application needed to join Eastman Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Eastman Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Eastman Credit Union rates compare?

Current Eastman Credit Union Rates

Compare to Other Credit Unions