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Appalachian Community Federal Credit Union


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

Appalachian Community Federal Credit Union is headquartered in Gray and is the 24th largest credit union in the state of Tennessee. It is also the 1,035th largest credit union in the nation. It was established in 1993 and as of September of 2019, it had grown to 65 employees and 16,342 members at 8 locations. Appalachian Community Federal Credit Union has a C 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: |

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.

1


Health
C

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #24495
Year Chartered1993
Employees65
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD14.82%
Annual Interest Income$8.2MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$211.4MM$234.4MM
LoansQ3 2019vs Q3 2018$161.1MM$188.5MM
DepositsQ3 2019vs Q3 2018$194.4MM$210.4MM
Equity CapitalQ3 2019vs Q3 2018$14.2MM$20.4MM
Secondary CapitalQ3 2019vs Q3 2018$1.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$4.5MM$2.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.9MM$1.8MM
Real Estate OwnedQ3 2019vs Q3 2018$1.4MM$868.00K
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
0.40%*$100k*-Business Saving
OTHER TIERS: 0.10% → $500 - $7.5k | 0.20% → $7.5k - $50k | 0.30% → $50k - $100k
0.35%$5-IRA Share
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
0.37%*$100k*-Money Market
OTHER TIERS: 0.15% → $1k - $15k | 0.20% → $15k - $50k | 0.25% → $50k - $75k | 0.32% → $75k - $100k
0.37%*$100k*-Business Money Market
OTHER TIERS: 0.15% → $1k - $15k | 0.20% → $15k - $50k | 0.25% → $50k - $75k | 0.32% → $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
1.74%$1k-72 Month Super Saver Term Share Base Certificate
1.74%$1k-Business 72 Month Super Saver Term Share Base Certificate
1.49%$1k-60 Month Term Share Base Certificate
1.49%$1k-Business 60 Month Term Share Base Certificate
1.37%$1k-48 Month Term Share Base Certificate
1.37%$1k-Business 48 Month Term Share Base Certificate
1.25%$1k-36 Month Term Share Base Certificate
1.25%$1k-Business 36 Month Term Share Base Certificate
1.11%$1k-24 Month Term Share Base Certificate
1.11%$1k-Business 24 Month Term Share Base Certificate
0.97%$1k-12 Month Term Share Base Certificate
0.97%$1k-Business 12 Month Term Share Base Certificate
0.50%$1k-6 Month Term Share Base Certificate
0.50%$1k-Business 6 Month Term Share Base Certificate

Appalachian Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.74%$1k-72 Month Super Saver Base IRA Certificate
1.49%$1k-60 Month Base IRA Certificate
1.37%$1k-48 Month Base IRA Certificate
1.25%$1k-36 Month Base IRA Certificate
1.11%$1k-24 Month Base IRA Certificate
0.97%$1k-12 Month Base IRA Certificate
0.50%$1k-6 Month Base IRA Certificate
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
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

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