Welcome to Lowland Credit Union            A Message from the CEO  With the concerns of the United States economy, I wanted to take a moment to make you aware of Lowland Credit Union's safety and soundness. Our Assets are federally insured by the National Credit Union Administration (NCUA), the strongest federal insurance agency in the country. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. Credit Unions, including Lowland Credit Union, focus on our members, not making profits. We remain a safe refuge in this current economic storm. Credit Unions make responsible loans - we have a more conservative approach to lending. Credit Unions as a whole hold onto 70% of their mortgages rather than selling them to Fannie Mae & Freddie Mac. Lowland Credit Union has sound business practices, more than adequate insurance on your accounts and we are ready to serve your financial needs. Lowland Credit Union maintains a highly conservative investment portfolio, which focuses on safety and liquidity rather than achieving the highest yield possible at the risk of principal loss. As member-owned cooperatives, Credit Union balance sheets are not affected by the volatility of the stock market. Lowland Credit Union has $58M in assets, with Capital Equity of $6,765,665. This equates to a Capital/Equity ratio of 11.61% - well above the 7% that our regulator defines as "well capitalized". While other financial institutions are tightening restrictions on lending - we are continuing to offer loans and are increasing our marketing efforts to get the word out to our members that we are here to help. On a final note, Credit Unions are here to stay! You can review the financial statistics of any federally chartered credit union by going to www.ncua.gov and search for a specific credit union. If you have family or friends who are looking for the security that a member-owned credit union provides, we always welcome new members...remember- the credit union philosophy is "people helping people". Best Regards, Mark Creech, President/CEO   NEW ATMs! For your convenience Lowland Credit Union ATMs are now available at the Murphy's Oil Stations (WalMart) in Greeneville Morristown Newport Jefferson City   Current Share Certificate (CD) rates Certificate rates are reviewed weekly. Certificates Rate APY* Term 91 Day Regular and IRA Share Certificate 3.00% 3.04% 3 month 6 Month Regular & IRA Share Certificate - Dividend Monthly 3.75% 3.82% 6 month 12 Month Regular & IRA Share Certificate - Dividend Monthly 3.80% 3.87% 12 month 18 Month Regular & IRA Share Certificate - Dividend Monthly 3.85% 3.92% 18 month 24 Month Regular & IRA Share Certificate - Dividend Monthly 3.90% 3.97% 24 month 36 Month Regular & IRA Share Certificate - Dividend Monthly 4.05% 4.13% 36 month IRA Regular Share 3.40% 3.45% n/a *APY = ANNUAL PERCENTAGE YIELD       Gift Cards are available in denominations from $10 to $500. These are great for weddings, birthdays and other special occasions.           PARTICIPATING NETWORK ATMs Lowland Credit Union is now a part of the surcharge free CO-OP Network. What this means for you - your ATM card can now be used in more than 19,000 ATMs in the US and Canada - no fee. To find an ATM in the area you will be visiting, click the Co-Op logo on this page, enter in the city and state and you will see a listing of all available surcharge free ATMs. If you have any questions, please call the credit union!   You can find out your balance 24/7 with our free online banking and bill pay. It's easy to sign up.                  Click the online banking selection on this page for more information. If you need help, call 581-8345, ext. 136.   Important Notice   Please be aware that we will never contact you by phone to get any account information. If you should get a call from someone who claims to be from the credit union, please do not give out any information at all. This could be a scam and once they get your information, they can cause a lot of problems. Also, if you get an e-mail message from the credit union asking you to update any information, do not open it.  This has not been sent by us. Opening these messages could contain a virus that could harm your computer.  Delete any of these messages should you get them and notify the credit union.  For ANY questions, comments or if you need more information about any of our products or services, please call:                       Morristown office 622 West First North Street  423-581-8345  Newport Office 451 West Broadway 1-423-623-2800        .