Appalachian Community Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.myacfcu.org

423-378-3778

201 East New Street
Kingsport, TN 37660

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in the Tennessee counties of Carter, Hawkins, Sullivan, Unicoi, and Washington; the Virginia Counties of Scott, Washington, and Wise; and the Kentucky counties of Clinton, Jackson, McCreary, and Wayne. Members of 24 Human/Economic Appalachian Development Organizations are also eligible to join.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24495
Year Chartered	1993
Employees	51
Primary Regulator

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	7.71%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$173.1MM$168.6MM
Loans	Q1 2025vs Q1 2024	$150.8MM$146.3MM
Deposits	Q1 2025vs Q1 2024	$153.5MM$149.9MM
Equity Capital	Q1 2025vs Q1 2024	$17.2MM$16.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.4MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$96K$379K
Real Estate Owned	Q1 2025vs Q1 2024	$98K$107K

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Appalachian Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$100k^*	-	Shares (Savings)
OTHER TIERS: 0.10% → $500 - $7.5k \| 0.25% → $7.5k - $50k \| 0.55% → $50k - $100k
0.80%^*	$100k^*	-	Business Saving
OTHER TIERS: 0.10% → $500 - $7.5k \| 0.25% → $7.5k - $50k \| 0.55% → $50k - $100k
0.20%	$5	-	Vacation Share Club
0.20%	$5	-	Christmas Club
0.20%	$5	-	Tax Savers Share Club
0.20%	$5	-	Youth Savers Share Club

Appalachian Community Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	Money Market
OTHER TIERS: 0.40% → $1k - $50k \| 0.70% → $50k - $100k
1.00%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.40% → $1k - $50k \| 0.70% → $50k - $100k

Appalachian Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$10k	-	Peak Checking
2.03%^*	$100k^*	-	Summit Business Checking
OTHER TIERS: 0.55% → $10k - $25k \| 0.65% → $25k - $50k \| 0.75% → $50k - $100k
0.30%^*	$25k^*	-	Premier Checking
OTHER TIERS: 0.10% → $2.5k - $25k

Appalachian Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.40%	$1k	-	Business 6 Month Term Share Certificate
4.40%	$1k	-	Business 12 Month Term Share Certificate
4.40%	$1k	-	Business 3 Month Term Share Certificate
4.40%	$1k	-	Business 9 Month Term Share Certificate
4.25%	$1k	-	6 Month Term Share Certificate
4.25%	$1k	-	12 Month Term Share Certificate
4.25%	$1k	-	3 Month Term Share Certificate
4.25%	$1k	-	9 Month Term Share Certificate
4.20%	$1k	-	Business 24 Month Term Share Certificate
4.20%	$1k	-	Business 36 Month Term Share Certificate
4.20%	$1k	-	Business 48 Month Term Share Certificate
4.20%	$1k	-	Business 60 Month Term Share Certificate
4.20%	$1k	-	Business 18 Month Term Share Certificate
4.20%	$1k	-	Business 72 Month Term Share Certificate
4.20%	$1k	-	Business 30 Month Term Share Certificate
4.05%	$1k	-	24 Month Term Share Certificate
4.05%	$1k	-	36 Month Term Share Certificate
4.05%	$1k	-	48 Month Term Share Certificate
4.05%	$1k	-	60 Month Term Share Certificate
4.05%	$1k	-	18 Month Term Share Certificate
4.05%	$1k	-	72 Month Term Share Certificate
4.05%	$1k	-	30 Month Term Share Certificate

Appalachian Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$1k	-	6 Month IRA Certificate
4.25%	$1k	-	12 Month IRA Certificate
4.25%	$1k	-	3 Month IRA Certificate
4.25%	$1k	-	9 Month IRA Certificate
4.05%	$1k	-	24 Month IRA Certificate
4.05%	$1k	-	36 Month IRA Certificate
4.05%	$1k	-	48 Month IRA Certificate
4.05%	$1k	-	60 Month IRA Certificate
4.05%	$1k	-	18 Month IRA Certificate
4.05%	$1k	-	72 Month IRA Certificate
4.05%	$1k	-	30 Month IRA Certificate
0.45%	$5	-	IRA Share

Locations

Appalachian Community Federal Credit Union Locations
Branch Office	1206 W Main St	Rogersville, TN 37857
Branch Office	1500 E Stone Dr	Kingsport, TN 37660
Branch Office	3101 Peoples St	Johnson City, TN 37604
Branch Office	1448 Park Ave NW	Norton, VA 24273
Corporate Office	201 E New St	Kingsport, TN 37660-4334

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