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5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615

Appalachian Community Credit Union is headquartered in Gray and is the 23rd largest credit union in the state of Tennessee. It is also the 1,046th largest credit union in the nation. It was established in 1993 and as of March of 2014, it had grown to 72 employees and 14,418 members. Appalachian Community Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

If you live, work, worship, or attend school in one of the following areas you are eligible to become a member: Carter County, TN; Hawkins County, TN; Sullivan County, TN; Unicoi County, TN; Washington County, TN; Scott County, VA; Washington County, VA; Wise County, VA; Clinton County, KY; Jackson County, KY; Wayne County, KY; and McCeary County, KY - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Appalachian Community Credit Union had $2.38 million in non-current loans and owned real-estate with $14.78 million in equity and loan loss allowances on hand to cover it. This gives Appalachian Community Credit Union a Texas Ratio of 16.08% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Appalachian Community Credit Union decreased slightly from 21.47% as of March 31, 2013 to 16.08% as of March 31, 2014, resulting in a positive change of 25.10%.This indicates that the balance sheet and financial strength for Appalachian Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Appalachian Community Credit Union has increased its total deposits by $2.19 million, resulting in 1.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Appalachian Community Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Appalachian Community Credit Union has $171.7 million in assets with $14.78 million in equity, resulting in a capitalization level of 8.61%, which is average.

Institution Statistics

NCUA #24495
Year Chartered1993
Primary Regulator
Assets and Liabilities
Assets$171.70 million
Loans$142.77 million
Deposits$157.27 million
Equity Capital$13.71 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$1.07 million
Historic Data - March 2013
Assets$169.39 million
Equity Capital$13.96 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$988,000
Profit Margin - Quarterly
Return on Assets-0.09%
Return on Equity-1.17%
Interest Income$1.98 million

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Appalachian Community Credit Union Savings Account Rates

0.35%$100k-Shares (Savings)
0.35%--IRA Share
0.35%--Roth IRA Share
0.35%--CESA Share
0.20%--Share Club

Appalachian Community Credit Union Money Market Rates

0.50%$100k-Super Saver Money Market

Appalachian Community Credit Union Checking Account Rates

0.05%$25k-Premier Checking

Appalachian Community Credit Union CD Rates

1.16%$5k-72 Month Super Saver Term Share Certificate
0.80%$1k-60 Month Term Share Certificate
0.75%$1k-48 Month Term Share Certificate
0.55%$1k-36 Month Term Share Certificate
0.30%$1k-24 Month Term Share Certificate
0.20%$1k-12 Month Term Share Certificate
0.10%$1k-6 Month Term Share Certificate

Appalachian Community Credit Union IRA Rates

1.16%$5k-72 Month Super Saver IRA Certificate
0.80%$1k-60 Month IRA Certificate
0.75%$1k-48 Month IRA Certificate
0.55%$1k-36 Month IRA Certificate
0.30%$1k-24 Month IRA Certificate
0.20%$1k-12 Month IRA Certificate
0.10%$1k-6 Month IRA Certificate

Appalachian Community Credit Union Locations
Branch Office1206 W Main StRogersville, TN 37857
Branch Office1500 E Stone DrKingsport, TN 37660
Branch Office1000 W Market StJohnson City, TN 37604
Branch Office1448 Park Ave NWNorton, VA 24273
Branch Office5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Branch Office104 Pasco St P.O. Box 504Berea, KY 40403
Branch Office417 Main St NMc Kee, KY 40447
Branch Office460 West Center StreetKingsport, TN 37660