NCUA Insured
Member-Owned
1 charter
Established in 1949
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Johnson City, TN may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1949
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Johnson City and serves members in the TN area. Currently serving 5,270 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.00%Used Auto Loan
4.00%Personal Loan
9.99%Credit Card APR
9.90%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).
Calhoun, TN
Johnson City, TN
Memphis, TN
Nashville, TN
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.3
32 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsJeffrey Scalf
2 years ago
This has been the best bank I have used. Miss Kim and Miss Sherry have always went above and beyond to help. Jace is one of the nicest guys you can meet. And Ashley is probably the best teller I’ve ever had experience with. Never had an issue that wasn’t handled within a couple minutes. I have been nothing but grateful for how I have been treated.
Whitney Ricker
4 years ago
I have had an account with select 7 pretty much since I was 16 (back when it was Johnson City federal) I have had 2 auto loans handled by them. I did find it a little difficult when they weren'ty main bank to make payments for my car loan and had it refinanced with another institution, but otherwise I had no other issues with the loan process. Now that they are my primary banking institution, I have had so much trouble with my debit card. First it took them years to change my name on all aspects of my account after I was married as a matter of fact I have been married 10 years and they just now got my name changed in all of their systems. The fraud monitoring system is a joke. They have locked my card 3 times now because of a transaction at Walmart of all places. It's been locked again now for the same thing and I resolved it with the fraud department but my card remains locked and the only way I have access to my account is if I go to an ATM and withdraw cash... seriously considering switching to a different institution
Josh Harrell
5 months ago
Very good place to do all your banking needs.
Michael Stalvey
3 years ago
A fun fact about this bank is that they don't actually open when their hours say. Everytime I try to go to this bank in the morning I show up 15-20inutes after open and they haven't even rolled the drive thru curtains up. They all just sit around and socialize until the first customer shows up and then make them wait 20 minutes for them to set up their till and get their money. For instance, I'm writing this review while sitting in the drive thru for the last 10 minutes while the banker signs into her computer 20 minutes after they've supposedly opened. Also the fraud dep. Is a joke. They freeze mine or my husband's card every single week for a different purchase. Every Monday morning when I get coffee my card is declined for being locked and I have to wait for the bank to open and call them. I've actually started carrying extra cash exactly for this specific reason. It's pretty absurd. I've asked them to whitelist reoccurring purchases and even just remove this service and it still happens quite literally every single week without fail. I'll be leaving this bank as soon as I can get a better credit union sorted out because honestly it's been a headache since day 1.
Amanda Hartley
4 years ago
I got my first loan here and it was great, then I would use the account to put extra money in. Next thing I know I’m getting a few for a bad address? Never received mail from S7CU so not sure how they knew and no email or phone contact to let me know I even had fees. But then you have to go in person to fill out a form to change addresses which is a huge hassle if you work nights. No longer impressed
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(423) 282-0671Website
Visit WebsiteMembers
5,270
Total Assets
$62.2M
Year Opened
1949
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile