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 Appalachian Community Federal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 20, 2026
Appalachian Community Federal Credit Union's 12 Month CD rates are at 3.50%, 3 Month CD rates are at 3.50%, 6 Month CD rates are at 3.50%, 9 Month CD rates are at 3.50%, 18 Month CD rates are at 3.45%. Appalachian Community Federal Credit Union's savings rates are at 0.10%. Appalachian Community Federal Credit Union's money market rates are at 0.40%. Appalachian Community Federal Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Appalachian Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.21%. Rates were last updated on 03/20/2026. Appalachian Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Appalachian Community Federal Credit Union? Share your experience about Appalachian Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Appalachian Community Federal Credit Union. Appalachian Community Federal Credit Union
Appalachian Community FCU 201 E New St
https://www.myacfcu.org Kingsport, TN 37660 4334 
Appalachian Community Federal Credit Union CD Rates
Appalachian Community Federal Credit Union Savings Rates
Appalachian Community Federal Credit Union Money Market Rates
Appalachian Community Federal Credit Union Checking Rates
Appalachian Community Federal Credit Union Credit Card Rates
Appalachian Community Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Appalachian Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Appalachian Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Appalachian Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Appalachian Community Federal Credit Union
Website
https://www.myacfcu.org
Address
201 E New St,
Kingsport, TN 37660 4334
Phone
423-378-3778
Fax
President
Joe Boggs
CEO
Andrew Mullins
Full-Time Employees
50
Part-Time Employees
1
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.21%
Return on Assets (ROA)
0.6284%
Return on Equity (ROE)
5.7668%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
179,494,598
Total Amount of Shares and Deposits
159,055,999
Total Shares and Deposits < 1 Year
133,024,008
Total Shares and Deposits 1 3 Years
14,449,574
Total Shares and Deposits > 3 Years
11,582,416
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,049,913
Total Uninsured Shares and Deposits > $250K (F+J)
13,049,913
Total Insured Shares and Deposits > $250K (item 17 less item K)
146,006,086
Total Interest Expense (Sum of items 6 8)
2,958,583
Share Certificates
1,149
Number of Accounts for Share Drafts
8,160
IRA KEOGH Accounts
292
Number of Accounts for Regular Shares
13,208
All other shares
1,252
Non Member Deposits
36
Money Market Shares
133
Net Income (unless the amount is already included in Undivided Earnings)
1,127,934
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,352,194
Total Liabilities
161,535,050
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Appalachian Community Federal Credit UnionIs Appalachian Community Federal Credit Union a safe place to deposit money?Yes, Appalachian Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.2053508752286%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Appalachian Community Federal Credit Union operate?Appalachian Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Appalachian Community Federal Credit Union?Yes, to access services at Appalachian Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Appalachian Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Appalachian Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Appalachian Community Federal Credit Union offer online and mobile banking?Most modern institutions like Appalachian Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myacfcu.org. Current Appalachian Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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