Pay Your Loan

                                   2019 Holiday Schedule



New Year’s Day                                              Tuesday, January 1


Martin Luther King Day                                  Monday, January 21


President’s Day                                                Monday, February 18


Good Friday                                                     Friday, April 19


Memorial Day                                                  Monday, May 27


Independence Day                                            Wednesday, July 4


Labor Day                                                         Monday, September 2


Columbus Day                                                  Monday, October 14


Veterans Day                                                    Monday, November 11


Thanksgiving Day                                            Thursday, November 28 


Black Friday (only Market Street Open)          Friday, November 29


Christmas Eve (1/2 Day)                                  Tuesday, December 24          


Christmas                                                          Wednesday, December 25


New Year’s                                                       Wednesday, January 1




Xmas Club Accounts 2018

Christmas Club Accounts: Funds will automatically be disbursed into your Regular Savings Account the first week in November; however, you may withdraw funds from your Christmas Club Account in October without being charged an early withdrawal fee




Touch ID Setup Instructions for Mobile Home Banking:

Step 1) Go to mobile app menu and select “Touch ID”

Step 2) Enable touch screen for mobile banking

Step 3) Go back to main menu and select “Mobile Banking”

Step 4) Enter Username and select “Logon”

Step 5) When prompted to recognize Touch ID select “yes” and place finger on ID sensor

Step 6) Enter Password, select OK, then place finger on ID sensor

For future logins, you will be asked to place finger on ID sensor for both Username and Password confirmation 

If you are unsuccessful in initial setup you will need to go to the Touch ID tab on the main menu to turn capability off and reset it by turning it back on.


Touch ID Setup Instructions for Remote Deposit:

Step 1) Go to mobile app menu and select “Touch ID”

Step 2) Enable touch screen for remote deposit 

Step 3) Go back to main menu and select “Remote Deposit”

Step 4) Enter Username and Password select “Login” 

Step 5) When prompted to recognize Touch ID select “yes” and place finger on ID sensor

For future logins, you will touch the fingerprint icon then place finger on ID sensor to login.

If you are unsuccessful in initial setup you will need to go to the Touch ID tab on the main menu to turn capability off and reset it by turning it back on.


                                                                                 Mountain States Credit Union           

                                                              2018 Holiday Schedule


New Year’s Day                                                                      Monday, January 1


Martin Luther King Day                                                         Monday, January 15


President’s Day                                                                       Monday, February 19


Good Friday                                                                            Friday, March 30


Memorial Day                                                                         Monday, May 28


Independence Day                                                                   Wednesday, July 4


Labor Day                                                                               Monday, September 3


Columbus Day                                                                        Monday, October 8


Veterans Day                                                                           Friday, November 12


Thanksgiving Day                                                                   Thursday, November 22 


Christmas                                                                                Tuesday, December 25


New Year’s                                                                             Tuesday, January 1




Christmas Club Accounts

Christmas Club Accounts: Funds will automatically be disbursed into your Regular Savings Account the first week in November; however, you may withdraw funds from your Christmas Club Account in October without being charged an early withdrawal fee

Same Day ACH rule change effective September 15, 2017


Effective September 15, 2017 you may see a change in the way automatic debits clear your account, due to the second phase of the Same Day ACH rule enacted by the National Automated Clearing House (NACHA). NACHA administers operating rules for Automated Clearing House (ACH) payments processed by financial institutions, including Mountain States Credit Union (MSCU). The first phase of this rule was effective September 23, 2016 and concerned ACH credits.  This second phase of the Same Day ACH rule allows for same day processing of ACH debits.  ACH debits include electronic payments, automatic drafts, paper check conversions, or any electronic withdrawal from your account utilizing MSCU's routing and transit number.  Once this rule is in effect, any ACH debit can clear on the same day it is initiated.  For example, if you write a check at a retailer and it is converted into electronic payment, it can clear the same day it is written.  

Please take this rule into consideration when you have ACH debits deducted from your account.  MSCU has no control over when the ACH files are received and you may need to make changes to ensure funds are available in your account to cover your automatic debits.

If you have automatic drafts, such as your water bill, power bill, etc., this would be a good time to review your agreement with the service provider and verify the effective date of your payment, as it will be deducted from your account on that day.

If you have any questions about how the new Same Day ACH rule can affect your automatic debits, please call 423-975-0025.


Office Relocation

We are NOW OPEN at our new office located at 1102 W Market St, Ste 20 in Johnson City, TN.


New Fee Schedule to take affect May 1, 2017


Share Drafts


Check Orders                                                                                                     Varies By Choice

Insufficient Funds (Return Checks)                                                                                         $35.00

Courtesy Pay (NSF)                                                                                                                 $35.00

Stop Payments (Checks or EFT/ACH)                                                                                    $35.00

Deposited Item Returned Fee                                                                                                  $35.00

ACH Insufficient Funds                                                                                                          $35.00

Check Cashing Fee (W/O multiple services or $100 min bal)                                                 $5.00

Copy of Draft (VolCorp)                                                                                                          $2.50


Courtesy pay (Overdraft Protection)

Members may opt-out of the Courtesy Pay program by notifying the credit union in        No Fee               

writing at any time. By doing so, you the account holder realizes that no NSF items presented for payment

 will be posted by the credit union and you will still be charged the $35.00 NSF fee for every item presented.


General Charges

Printed Statement Fee                                                                                                                   $2.00 per Copy

Tax, Levy/Legal Notice Fee                                                                                                         $20.00

Account Research Fee (per hour)                                                                                                 up to $75.00

Cash Advance                                                                                                                               4% of Payment

Return Mail Fee                                                                                                                            $5.00

Domestic Wires (Outgoing Only)                                                                                                 $30.00

International Wires                                                                                                                        $50.00

International Transaction Fee                                                                                                        $1.50

Statement Copy (Account History)                                                                                               $1.00 Per Page

Certified Check (One Free Check a Day, Additional Checks)                                                     $3.00

Inactive Account (After one year with No Activity.)                                                                 $10.00 Monthly

Share Accounts opened for less than 90 days                                                                               $10.00

Christmas Club (Early Withdrawal Penalty)                                                                                $10.00

Share Account Withdrawals (Over 6 per month unless in office)                                                $5.00

Our share account dividends are day of deposit/day of withdrawal and paid quarterly.


Debit/ATM Card

Gift Card Activation Fee                                                                                                               $3.00

Insufficient Point of Sales (POS)                                                                                                $35.00

Insufficient Funds (Debit Card)                                                                                                  $35.00

Replacement of a Debit Card (For lost cards-not for fraud or theft)                                           $7.50

ATM Transaction Fees (Our ATM-Our Members)                                                              No Charge

ATM Fees (Foreign ATM fees are charged by using machines other than JCMC Lobby,

NP Drive Up, Sycamore Shoals, Franklin Woods, CBO, Unicoi Hospital and area Walgreens)      

Foreign ATM Fees Vary

Lending Fees

Non-Refundable Loan Application Fees                                                                             up to $200               

Mortgage Loan                                                                                                        1% origination fee

Late Fee                                                                                                                        5% of Payment

GAP Insurance                                                                                                                         $400.00

Loan Payment (Online or Credit Card)                                                                                      $10.00

Per Day ATM Maximum Withdrawal- $500.00

Per Day Point of Sale Debit Cards- $1,000.00

AVAILABILITY OF FUNDS:  In accordance with the Expedited Funds Availability Act, the first $200.00 of your check deposit will be available on the first business day after the day of your deposit.  In some cases, we will not make all of the funds that you deposit by check available to you on the same business day we receive your deposit.  If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will contact you by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.


System Down Temporarily

Our core system is currently experiencing technical difficulties which is causing debit cards to be declined.  IT is working diligently to resolve the issue as soon as possible

2017 Holiday Schedule

              Mountain States Credit Union

            2017 Holiday Schedule


New Year’s Day                                                          Monday, January 2

Martin Luther King Day                                           Monday, January 16

President’s Day                                                           Monday, February 20

Good Friday                                                                 Friday, April 14

Memorial Day                                                              Monday, May 29

Independence Day                                                       Tuesday, July 4

Labor Day                                                                    Monday, September 4

Columbus Day                                                             Monday, October 9

Veterans Day                                                               Friday, November 10

Thanksgiving Day                                                       Thursday,November23 

Christmas                                                                     Monday, December 25

New Year’s                                                                   Monday, January 1




Fraud Alert!!!!   Call us first!!!

Tennessee Department of Financial Institutions has notified credit unions across the state that a group of scammers out of New York have been targeting individual members of Tennessee Credit Unions.  The scammers are sending text messages asking for members to contact them at a phone number listed within the body of the text.  Please do not give out your information or respond to these messages.

This was not a data breach of information, but instead, a blanket scam.   As of now, the scammers have only referenced certain credit unions on the subject lines



Please contact us is if you are concerned about a message recieved about your account.



Christmas Club Funds Availabilty for 2016

Funds will automatically be disbursed into your Regular Savings Account on November 4th 2016; however, you may withdraw funds from your Christmas Club Account in October without being charged an early withdrawal fee.

Debit Card - Lost, Stolen, Fraudulent Activity

Have your lost your debit card? Was it stolen? Do you suspect fraudulent activity?

Call us at 423-431-6361, After Hours Phone # 1-800-472-3272

New schedule for Franklin Woods office

Beginning August 8th, 2016 we will have new hours for the Franklin Woods office:

Monday, Tuesday, Thursday, Friday 8:00 AM - 11:00 AM

Closed on Wednesday

URGENT FRAUD ALERT!!!!!! Please read!!!

We have been notified that Wendy's restuarants across the country have been compromised including locations in Kingsport and other locations in Tennessee and Virginia.  The estimated exposure window runs from October 2015 - June 2016.  If you made a purchase at a Wendy's during that time period, please visit this website Compromised Locations to see if the location you visited had been compromised.  If you used your debit card at one of these locations during this time frame, we recommend that you notify us and we will issue you a new debit card free of charge to help protect you as a valued member of our credit union.




Pay it forward!!!

We now post payroll on the same day we recieve it. 

MSHA payroll now shows in your account on Thursday! 

Tell your co workers to join the credit union!

IRA Share Certificates

We now offer IRA Certificates of Deposit!

Do you have a maturing IRA?

Do you have a 401k that you need to roll over?

Let us help!

Current rates are


Certificates Term Rates / Annual Percentage Yield
06 Months 0.55%
12 Months 0.95%
24 Months 1.10%
36 Months 1.30%
48 Months 1.60%
48 Months ($100,000 ) 1.70%
60 Months 1.90%
60 Months ($100,000 ) 2.00%



Mobile Banking App


Download it today (Apple and Andriod)

                                   App Capabilities:

Remote check deposit

Online loan application

Check rates

Online Banking

and much more!!!




Auto Loans for New, Used, and Refinanced
from other financial institutions
as low as 1.99% APR

For Qualifying Members

E-statements are now available!
Sign up for E-Statements Now! Contact us to find out how!

Today, on behalf of the staff, board of directors, and our credit union membership, we cordially invite you to join our credit union family! We look forward to servicing your complete financial needs today and for years to come.

Debit/ATM Card Locations

  • Don't forget you can now use your MSCU Debit/ATM card at:
  • Stop by any office for a brochure for locations and other information.
Order Checks
  • Drop by any of our 3 locations or follow the link on the left side of our site.
Mountain States CU - Helping Hand Loan
Why pay a check cashing company all your money? Why pay high interest rates? MSCU Helping Hand Loan is a low-cost advance loan to help until payday.
Bad Credit, No Credit, No Problem. Stop by one of our offices today for details.
Christmas Club
  • Join our Christmas Club and save for next Christmas!
  • Payroll deduction makes it an easy way to save
  • Join today and start saving!

What's New

  • We are Mobile!!! download our new mobile banking app today!
    • Access to online loan application
    • check rates on loans and deposits
    • Home Banking
    • Remote Check Deposit