Appalachian Community Federal Credit Union

Overview / Commentary
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615

Appalachian Community Federal Credit Union is headquartered in Kingsport and is the 30th largest credit union in the state of Tennessee. It is also the 1,387th largest credit union in the nation. It was established in 1993 and as of September of 2023, it had grown to 55 employees and 12,389 members at 6 locations. Appalachian Community Federal Credit Union 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

Reviews (2)

Completely Incompetent

Posted by: |

Absolutely the most incompetent bank I've ever had the misfortune of doing business with. Every single transaction I've made online with my bank card has been halted, as "fraud protection", and I've had to contact the bank to tell someone to let the transaction go through; even just to purchase a damn video game from steam or GOG.

I have called customer service to request "fraud protection" be removed from my account because of this, and was told it cannot be removed, the transactions will still be denied, and I just won't receive any alerts about it.

Their latest stunt, which cost them my business altogether, was to place a five day hold on my paycheck, because "it looks like a starter check", whatever the hell that means.

These people are absolutely not competent to handle monetary transactions. If you are considering opening an account with ACFCU, I recommend going literally anywhere else instead. Banks do not get any worse than ACFCU.


Posted by: |

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 Grade Components

NCUA #24495
Year Chartered1993
Primary Regulator
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD11.93%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$167.2MM$171.9MM
LoansQ3 2023vs Q3 2022$145.5MM$144.5MM
DepositsQ3 2023vs Q3 2022$148.6MM$154.2MM
Equity CapitalQ3 2023vs Q3 2022$16.3MM$15MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.4MM$878K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$393K$660K
Real Estate OwnedQ3 2023vs Q3 2022$378K$16K

Rates for Appalachian Community Federal Credit Union are currently being reviewed.


Appalachian Community Federal Credit Union Locations
Branch Office1206 W Main StRogersville, TN 37857
Branch Office1500 E Stone DrKingsport, TN 37660
Branch Office3101 Peoples StJohnson City, TN 37604
Branch Office1448 Park Ave NWNorton, VA 24273
Branch Office5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Corporate Office201 E New StKingsport, TN 37660-4334

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