BCBST Employee Credit Union


Overview / Commentary
423-535-6103
1 Cameron Hill Cir
Chattanooga, TN 37402

BCBST Employee Credit Union is headquartered in Chattanooga and is the 106th largest credit union in the state of Tennessee. It is also the 3,617th largest credit union in the nation. It was established in 1971 and as of March of 2025, it had grown to 3 employees and 1,921 members at 1 location. BCBST Employee Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in BCBST Employee Credit Union is open to current BlueCross BlueShield of Tennessee employees, employees’ immediate family members, and BlueCross BlueShield of Tennessee subsidiaries.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. BCBST Employee Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67738
Year Chartered1971
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD1.73%
Annual Interest Income$107K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$10.6MM$11MM
LoansQ1 2025vs Q1 2024$2.8MM$3.4MM
DepositsQ1 2025vs Q1 2024$8.4MM$9MM
Equity CapitalQ1 2025vs Q1 2024$2.1MM$2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$35K$34K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BCBST Employee Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$5-Regular Share Account
0.30%$5-Christmas Club Account

BCBST Employee Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.17%$1k-180 Day Share Certificate
3.99%$1k-12 Month Share Certificate
3.99%$1k-18 Month Share Certificate
3.75%$1k-24 Month Share Certificate

BCBST Employee Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.17%$1k-180 Day IRA Share Certificate
3.99%$1k-12 Month IRA Share Certificate
3.99%$1k-18 Month IRA Share Certificate
3.75%$1k-24 Month IRA Share Certificate
1.92%$100-Individual Retirement Accumulation
Locations


BCBST Employee Credit Union Locations
Branch Office1 Cameron Hill CirChattanooga, TN 37402

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