Offices will be closed on Thursday November 23rd in observance of Thanksgiving and re-open on Friday 7:30 am – 4:00 pm

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, 2021

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, 2021

Check Orders

Insufficient Funds (Return Checks)

Courtesy Pay (NSF)

Stop Payments (Checks or EFT/ACH)

Deposited Item Returned Fee

ACH Insufficient Funds

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

Copy of Draft (VolCorp)

Varies By Choice








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

Tax, Levy/Legal Notice Fee

Account Research Fee (per hour)

Cash Advance

Return Mail Fee

Domestic Wires (Outgoing Only)

International Wires

International Transaction Fee

Statement Copy (Account History)

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

Inactive Account (After one year with No Activity.)

Share Accounts opened for less than 90 days

Christmas Club (Early Withdrawal Penalty)

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

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


$2.00 per Copy


up to $75.00

4% of Payment





$1.00 Per Page


$10.00 Monthly





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.

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.


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

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.

Debit/ATM Card Locations

  • Don't forget you can now use your MSCU Debit/ATM card at:
    • Sycamore Shoals Hospital
    • Franklin Woods Community Hospital
    • NorthPoint
    • JCMC
    • Walgreens (local-from Bristol, VA to Knoxville, TN)
    • Or any Allpoints ATM
  • 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