Business Details
Your Trusted Financial Partner in Johnson City, TN
Beacon Financial Credit Union was established to provide quality financial services that improve the financial health of its members. We serve and promote community development by offering services designed to enhance the social and economic conditions of our members. As a member-owned, not-for-profit financial institution, we exist to deliver superior financial products and services to current and former healthcare employees and their families. Our membership extends to employees of Ballad Health, Right Coast Medical LLC, Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, and Wise Property Solutions, along with their families.We maintain a $25 minimum balance requirement for membership while encouraging the use of our diverse financial offerings. Our commitment to security and compliance is demonstrated through adherence to the USA PATRIOT Act and federal insurance up to $250,000. With locations in Johnson City, Tennessee, we combine personalized service with modern banking solutions to meet the needs of our community. Our team prioritizes transparency, ethical practices, and member satisfaction in all financial transactions.
Services
Auto Loans
Savings Accounts
Checking Accounts
Certificates
Mobile Banking
Financial Counseling
Zelle Transfers
Loan Calculators
Money Market Accounts
Christmas Club Accounts
Highlights and features
- We offer competitive auto loan rates starting at 5.75% APR for qualifying members.
- Our membership extends benefits to entire families, including spouses, siblings, and cousins.
- We provide free financial counseling to help members improve their financial health.
- Our mobile app enables instant money transfers, remote check deposits, and card management.
- We maintain a 5-year history of community-focused financial services in Tennessee.
Associations and certifications
- NCUA
Services
Auto Loans
Beacon Financial offers competitive auto loans for new and used vehicles with fixed APRs starting at 5.75%. Refinancing options available for qualifying members. Loans support both personal and family vehicle purchases while maintaining flexible terms.
Mobile Banking
Our mobile app enables 24/7 account management including fund transfers, check deposits, card controls, and bill payments. Real-time notifications and security features protect transactions while providing instant access to financial tools.
Certificates
Fixed-rate certificates with terms from 6 to 72 months offer guaranteed returns on savings. Minimum $1,000 deposits earn compounded dividends paid at maturity, providing secure growth opportunities for long-term financial goals.
Financial Counseling
Certified counselors provide personalized guidance for budgeting, debt reduction, and financial planning. Services help members improve credit scores, manage expenses, and achieve long-term financial stability through one-on-one consultations.
Zelle Transfers
Zelle integration enables instant money transfers between U.S. bank accounts using email or phone numbers. Free peer-to-peer payments typically complete within minutes, offering a secure alternative to cash or checks for trusted recipients.
Questions
Who is eligible to join Beacon Financial Credit Union?
Eligibility extends to healthcare employees at Ballad Health and subsidiaries, employees of Champion Chevrolet, Crowder RV, One Stop Wine and Liquor, Right Coast Medical LLC, Wise Property Solutions, and their family members.
What auto loan rates do you offer?
New auto loans start at 5.75% APR and used auto loans at 6.90% APR for qualifying members. Rates depend on creditworthiness and loan terms.
How can I access mobile banking features?
Download the Beacon Financial mobile app to manage accounts, deposit checks, control cards, and transfer funds 24/7. Enroll in online banking for additional financial tools.
Are my deposits insured?
Yes, savings are federally insured up to $250,000 by the NCUA, backed by the U.S. government. This protection covers all deposit accounts including savings, checking, and certificates.
Can I use Zelle for international transfers?
Zelle transfers require both sender and recipient to have U.S.-based bank accounts. International transactions aren't supported through this service.
What financial counseling services are available?
We offer free one-on-one financial counseling to assess budgets, reduce debt, and plan for long-term goals. Sessions focus on improving financial literacy and creating personalized action plans.
