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BudgetSmart - Money Management

  is a new and exciting software program now available on our website. This easy-to-use software tool uses simple graphics, "pop-up" boxes and bar charts to help you manage your money more effectively. You can use the program to:

• Establish a budget
• Track Spending
• View tips for improving areas of overspending or inadequate saving
• Experiment with "what if" scenarios to determine how a major purchase or change in income would impact your budget

Click on the budget smart logo or here to download the program to your computer FREE of charge, and you're on your way to creating your own personalized budget! 

Enhanced Debit Card Program

We are very excited to inform you about enhancements to our debit card program. In order to better serve your financial needs, we have made several changes to the program. The new card has wonderful enhancements which we are sure you will love.

• Real Time Transactions: Funds will be available on your card as soon as they are deposited. No more waiting until the next business day!
• Separate Debit Card Numbers for each card: If you have a joint account, the number on each card will now be different. This means if one of the joint owners loses their card, or has to have card replaced for some reason, both cards are NOT affected.
• Access to your Savings Account: Saving and checking balances will now be split balances. You will be able to make a withdrawal directly from savings at the ATM. Please note, if you need to make a purchase that would require money from your savings account, you will need to transfer the money from savings (via ATM, Online, Telephone, or Office) to your checking account before using the card.
• Verified By Visa: This feature is currently offered on our debit cards and will continue to be offered. Be sure and sign up your new card. The link is provided on our web site. Enrolling your card entitles you to chargeback rights that you might not have otherwise.

Please be sure and update any electronic withdrawals you may have to your new debit card number.

If you have any additional questions, please feel free to contact either office. (423) 496-3812 (Copperhill) (706) 632-4888 (Blue Ridge)

Enjoy your new card!

Car Loan Promotion

CAR RATES as LOW as 4.00%!!

If you are thinking of purchasing a new car, now is the time! We are offering low interest rates on 2007 and above models. Be sure and stop by one of our convenient locations and apply!

Click to see the promotional rates!

New Blue Ridge Location Now Open!

Our Blue Ridge branch has moved from its old location at Clock Tower Crossing. We are now located at 85 Orvin Lance Connector behind Joe’s Carwash! Stop in and see us!

Website: New Look, More Features!

Welcome to our newly redesigned website! Not only have we given our site a new look, we've also added a number of useful features.

Here are a few online resources available:

• Loan Application
• Loan Calculator
• Mortgage/Savings Calculators - Click on Calculators
• Reorder Checks Online
• AlertMe - Credit Monitoring Service
• Access to your Visa Credit Card Account
• Verified by Visa Credit Card - Additional security when shopping online!
• Verified by Visa Debit Card - Additional security when shopping online!