Appalachian Community Federal Credit Union

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

Appalachian Community Federal Credit Union is headquartered in Gray and is the 28th largest credit union in the state of Tennessee. It is also the 1,253rd largest credit union in the nation. It was established in 1993 and as of December of 2020, it had grown to 59 employees and 13,792 members at 6 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

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 - YTD-0.28%
Return on Equity - YTD-4.06%
Annual Interest Income$8.4MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$179.9MM$192.3MM
LoansQ4 2020vs Q4 2019$139.0MM$149.3MM
DepositsQ4 2020vs Q4 2019$165.1MM$176.7MM
Equity CapitalQ4 2020vs Q4 2019$12.4MM$13.2MM
Secondary CapitalQ4 2020vs Q4 2019$1.7MM
Loan Loss AllowanceQ4 2020vs Q4 2019$1.7MM$1.7MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.9MM$1.7MM
Real Estate OwnedQ4 2020vs Q4 2019$237.00K$834.00K

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
Branch Office460 West Center StreetKingsport, TN 37660

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