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Appalachian Community Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
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
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24495
Year Chartered1993
Employees51
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.71%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$173.1MM$168.6MM
LoansQ1 2025vs Q1 2024$150.8MM$146.3MM
DepositsQ1 2025vs Q1 2024$153.5MM$149.9MM
Equity CapitalQ1 2025vs Q1 2024$17.2MM$16.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.4MM$1.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$96K$379K
Real Estate OwnedQ1 2025vs Q1 2024$98K$107K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
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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* 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
0.80%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$1k-3 Month Term Share Certificate w/ Direct Deposit
4.40%$1k-6 Month Term Share Certificate w/ Direct Deposit
4.40%$1k-9 Month Term Share Certificate w/ Direct Deposit
4.40%$1k-12 Month Term Share Certificate w/ Direct Deposit
4.25%$1k-6 Month Term Share Certificate
4.25%$1k-12 Month Term Share Certificate
4.25%$1k-Business 6 Month Term Share Certificate
4.25%$1k-Business 12 Month Term Share Certificate
4.25%$1k-3 Month Term Share Certificate
4.25%$1k-Business 3 Month Term Share Certificate
4.25%$1k-9 Month Term Share Certificate
4.25%$1k-Business 9 Month Term Share Certificate
4.20%$1k-18 Month Term Share Certificate w/ Direct Deposit
4.20%$1k-24 Month Term Share Certificate w/ Direct Deposit
4.20%$1k-30 Month Term Share Certificatew/ Direct Deposit
4.20%$1k-36 Month Term Share Certificate w/ Direct Deposit
4.20%$1k-48 Month Term Share Certificate w/ Direct Deposit
4.20%$1k-60 Month Term Share Certificate w/ Direct Deposit
4.20%$1k-72 Month Term Share Certificate w/ Direct Deposit
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-Business 24 Month Term Share Certificate
4.05%$1k-Business 36 Month Term Share Certificate
4.05%$1k-Business 48 Month Term Share Certificate
4.05%$1k-Business 60 Month Term Share Certificate
4.05%$1k-18 Month Term Share Certificate
4.05%$1k-Business 18 Month Term Share Certificate
4.05%$1k-Business 72 Month Term Share Certificate
4.05%$1k-72 Month Term Share Certificate
4.05%$1k-30 Month Term Share Certificate
4.05%$1k-Business 30 Month Term Share Certificate

Appalachian Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$1k-3 Month IRA Certificate w/ Direct Deposit
4.40%$1k-6 Month IRA Certificate w/ Direct Deposit
4.40%$1k-9 Month IRA Certificate w/ Direct Deposit
4.40%$1k-12 Month IRA Certificate w/ Direct Deposit
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
4.20%$1k-18 Month IRA Certificate w/ Direct Deposit
4.20%$1k-24 Month IRA Certificate w/ Direct Deposit
4.20%$1k-30 Month IRA Certificate w/ Direct Deposit
4.20%$1k-36 Month IRA Certificate w/ Direct Deposit
4.20%$1k-48 Month IRA Certificate w/ Direct Deposit
4.20%$1k-60 Month IRA Certificate w/ Direct Deposit
4.20%$1k-72 Month IRA Certificate w/ Direct Deposit
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 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
Corporate Office201 E New StKingsport, TN 37660-4334

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