Monthly Newsletter

Volume 2, Issue 2

Small enough to Care. Big enough to give you the Best in banking!

We appreciate you as a customer and want you to know about our latest features and rates. Thanks!
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Elizabethton Federal Savings Bank Giveaway!

Elizabethton Federal Savings Bank (EFSB) and Downtown Elizabethton are offering a wonderful giveaway opportunity in Elizabethton! The giveaway will run from Monday, Feb. 1 – Friday, Feb. 12 at noon. Voting boxes will be distributed to each participating business. Please submit your name on the slip of paper to enter the giveaway. There is no fee or requirement to enter. Instructions will be listed on the box. Boxes with entries will be collected on Friday, 2/13 after 12:00 pm. We will have a LIVE drawing at 3 pm on Friday 2/12 in the EFSB lobby to announce 5 total winners: 4 baskets made up of participating business products and 1 grand prize of a 2-night stay at Meredith Valley Farms!

Mortgage Loans at Elizabethton Federal

  • Low interest rates and closing costs
  • We do not sell our loans
  • Your loan stays with Elizabethton Federal
  • Competitive closing time
  • Superior service
  • Fixed and variable rate options
  • Short term construction financing
  • Long term construction permanent financing
  • Up to 100% financing (subject to restrictions)
  • Automatic loan payments from deposit account


Please contact one of the following Loan Officers for more information:


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Personal Checking at Elizabethton Federal


  • No personal checking service fee
  • Competitive interest rate regardless of account balance
  • Low minimum opening balance requirement
  • Free bank ATM access and usage
  • Unlimited check writing without additional fees
  • Choice of ATM or Debit Card at no cost
  • Free online banking

Valentine's Day Riddles

1. What did the squirrel say to his Valentine?


2. Why did the rooster cross the road?


3. What flowers are kissable?


Answers at bottom.

Riddle Answers

1. I’m nuts about you!


2. He wanted to impress the chicks!


3. Tulips.

About Us

Headquartered in Carter County, Tennessee, Elizabethton Federal Savings Bank has been serving the communities of Northeast Tennessee and the Tri-Cities since 1937. With branch offices in Carter County, Johnson County and Washington County, Tennessee, we provide our customers with a complete selection of financial products. While maintaining our competitive edge in today’s high-tech market, Elizabethton Federal continues to focus on safeguarding our customer’s information. Several decades of proven financial leadership continue to allow Elizabethton Federal Savings Bank to provide the best products, combined with unbeatable customer service, to our valued customers year after year.