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Eastman Credit Union

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Eastman Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Eastman Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.77%, 6-month share certificate rates at 2.65% and 3-month share certificate rates at 2.52%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not Eastman Credit Union, and you can see how they compare in the Eastman Credit Union rate tables below. 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 0.80%. Database rates last updated and verified on 09/10/2026.

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: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.80%

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

Eastman Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage Rates - 5/1 ARM	5.13%	1	6.03%	1-May
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Adjustable Rate Mortgage Rates - 7/1 ARM	5.38%	1	6.03%	1-Jul
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Fixed Rate Mortgage Rates - 15 Year Fixed	5.75%	1	6.18%	15 Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Fixed Rate Mortgage Rates - 30 Year Fixed	6.38%	1	6.64%	30 Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
30 Year Fixed First Time Home Buyers	7.63%	-	7.81%	30 Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Eastman Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 5 Year Fixed	6.50%	-	6.68%	5 Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Home Equity 15 Year Adjustable	6.75%	-	6.75%	15 Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Home Equity 20 Year Interest Only (First 10 Years)	6.88%	-	6.88%	20 Year
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Home Equity 10 Year Fixed	7.00%	-	7.09%	10 Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Home Equity 15 Year Fixed	7.25%	-	7.32%	15 Year Fixed
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

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 stayed near 0.83% in Q2 2023 to 0.80% in Q1 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; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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
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+
June 30, 2023	$7.7B	0.83%	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 1,101

Part-Time Employees 9

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+ (100/100)

Texas Ratio

0.80%

Return on Assets (ROA)

0.4482%

Return on Equity (ROE)

3.1164%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

10,143,966,093

Total Amount of Shares and Deposits

8,600,399,209

Total Shares and Deposits < 1 Year

7,595,815,944

Total Shares and Deposits 1 3 Years

705,350,697

Total Shares and Deposits > 3 Years

299,232,568

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

1,122,044,173

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

1,122,044,173

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

7,478,355,036

Total Interest Expense (Sum of items 6 8)

50,885,603

Share Certificates

70,553

Number of Accounts for Share Drafts

276,576

IRA KEOGH Accounts

21,065

Number of Accounts for Regular Shares

411,143

All other shares

5,945

Money Market Shares

10,793

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)

1,910,518,950

Total Liabilities

8,688,121,951

Source: NCUA — Last Updated 03/31/2026

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 — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Eastman Credit Union

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.