Overview / Commentary
423-378-3778
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615

Appalachian Community Federal Credit Union is headquartered in Gray and is the 22nd largest credit union in the state of Tennessee. It is also the 973rd largest credit union in the nation. It was established in 1993 and as of June of 2018, it had grown to 82 employees and 17,219 members at 8 locations. Appalachian Community Federal Credit Union's CD rates are 40% higher than the national average, and it has a B+ health rating.

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

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Reviews (1)

Disgusted

Posted by: Buzzbyme | Oct 6, 2017

Began applying for a mortgage months ago. Told the originator and underwriter of the deadline. Poor communication. Kept adding new requirements every time we spoke. Went past the deadline and it cost me an additional $500. Still haven't gotten a definite yes or no on the approval. Would NOT recommend this credit union to anyone. Will be transferring my retirement accounts elsewhere.



Health
B+

Health Grade Components

Overall
NCUA #24495
Year Chartered1993
Employees82
Primary Regulator
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD16.45%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$229.7MM$205.9MM
LoansQ2 2018vs Q2 2017$182.6MM$161.2MM
DepositsQ2 2018vs Q2 2017$207.3MM$186.0MM
Equity CapitalQ2 2018vs Q2 2017$19.9MM$17.7MM
Secondary CapitalQ2 2018vs Q2 2017$1.7MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.9MM$1.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.8MM$1.5MM
Real Estate OwnedQ2 2018vs Q2 2017$730.00K$1.2MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Appalachian Community Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Shares (Savings)
OTHER TIERS: 0.10% $500 - $7.5k | 0.20% $7.5k - $50k | 0.30% $50k - $100k
0.35%--IRA Share
0.20%$5-Share Clubs
0.20%$5-Youth Savers Share Club

Appalachian Community Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Money Market
OTHER TIERS: 0.20% $1k - $15k | 0.30% $15k - $50k | 0.40% $50k - $75k | 0.50% $75k - $100k

Appalachian Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$25k*-Premier Checking
OTHER TIERS: 0.01% $2.5k - $25k

Appalachian Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$1k-72 Month Super Saver Term Share Base Certificate
2.53%$1k-60 Month Term Share Base Certificate
2.02%$1k-48 Month Term Share Base Certificate
1.92%$1k-36 Month Term Share Base Certificate
1.81%$1k-24 Month Term Share Base Certificate
1.26%$1k-12 Month Term Share Base Certificate
0.65%$1k-6 Month Term Share Base Certificate

Appalachian Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$1k-72 Month Super Saver Base IRA Certificate
2.53%$1k-60 Month Base IRA Certificate
2.02%$1k-48 Month Base IRA Certificate
1.92%$1k-36 Month Base IRA Certificate
1.81%$1k-24 Month Base IRA Certificate
1.26%$1k-12 Month Base IRA Certificate
0.65%$1k-6 Month Base IRA Certificate
Locations


Appalachian Community Federal Credit Union Locations
Branch Office104 Pasco St P.O. Box 504Berea, KY 40403
Branch Office417 Main St NMc Kee, KY 40447
Branch Office1206 W Main StRogersville, TN 37857
Branch Office1500 E Stone DrKingsport, TN 37660
Branch Office3101 Peoples StJohnson City, TN 37604
Branch Office5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Branch Office460 West Center StreetKingsport, TN 37660
Branch Office1448 Park Ave NWNorton, VA 24273

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