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Appalachian Community Credit Union
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Appalachian Community Credit Union Share
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Overview Share
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Appalachian Community Credit Union is a federal credit union based in Gray, Tennessee. It has been opened since 1993, for 29 years.

With around $233,260,000 in assets, Appalachian Community Credit Union is considered to be a very large credit union. It has 8 branches and 8 ATM locations.

About Share
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Address 5034 Bobby Hicks Highway Suite 2
Gray, Tennessee 37615
Website http://www.myacfcu.org
Phone (423) 378-3778
Fax (423) 378-5080
CEO Kelly J. Smith
President of the Board Royden Russell
Services Offered
Score Card Share
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29 years
Years in business
Opened in 1993
Well Capitalized
Net worth classification
Source: NCUA
17,913 members
Membership type: Community credit union
Above average number of members
204:1
Credit union member to staff ratio
204 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$233,260,729
Total assets
Above average
8 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.74%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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8 branches
Compared with an average of 4 nationally and 3 in Tennessee
Above average number of branches
Appalachian Community Credit Union Branch Locations

Appalachian Community Credit Union: Jonesborough
1000 W. Jackson Boulevard Suite 10
Jonesborough, Tennessee 37659
ATM Available
Appalachian Community Credit Union: Johnson City Br
3101 Peoples Street
Johnson City, Tennessee 37604
ATM Available
Appalachian Community Credit Union: Rogersville Br
1206 W. Main Street
Rogersville, Tennessee 37857
ATM Available
Appalachian Community Credit Union: Norton Virginia Br
1448 Park Avenue NW
Norton, Virginia 24273
ATM Available
Appalachian Community Credit Union: Berea
104 Pasco Street
P.O. Box 504
Berea, Kentucky 40403
ATM Available
Appalachian Community Credit Union: Mckee
417 Main Street North
MC Kee, Kentucky 40447
ATM Available
Appalachian Community Credit Union: East Stone Drive Br
1500 E. Stone Drive
Kingsport, Tennessee 37660
ATM Available
Members Share
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17,913 members
Membership type: Community credit union
Above average number of members

With 17,913 members, the Appalachian Community Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 80% of credit unions.

Fees Share
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$124
Average fee per member
The average fee per member at the Appalachian Community Credit Union is $124, which is very high compared to most credit unions. This rate is higher than 92% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Appalachian Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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204:1
Credit union member to staff ratio
204 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
88 staff members
FTE (full-time equivalent)
0% of employees are part-time
88 full-time, 0 part-time

Appalachian Community Credit Union has 88 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Appalachian Community Credit Union has around 204 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$233,260,729
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$15,407
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 81% of credit unions.

Appalachian Community Credit Union holds a total of $190,020,000 in loans and leases, which is about $15,407 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Appalachian Community Credit Union pays 0.10%.

Loan rates Share
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11.74%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
14.55%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.27%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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5.94%
New car loan rate
Compared to 4.0% nationally
9.70%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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6.11%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.31%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
6.82%
Other real estate loan rates
Compared to 0.9% nationally

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Similar Credit Unions to Appalachian Community Credit Union

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Appalachian Community Credit Union: Johnson City Br
Credit Union Branch: 3101 Peoples Street
Johnson City, Tennessee 37604 ATM Available
Appalachian Community Credit Union: Appalachain Community Federal Credit Union
Credit Union Branch: 5034 Bobby Hicks Highway Suite 2
Gray, Tennessee 37615 ATM Available
Appalachian Community Credit Union: Mckee
Credit Union Branch: 417 Main Street North
MC Kee, Kentucky 40447 ATM Available
Appalachian Community Credit Union: Jonesborough
Credit Union Branch: 1000 W. Jackson Boulevard Suite 10
Jonesborough, Tennessee 37659 ATM Available
Appalachian Community Credit Union: East Stone Drive Br
Credit Union Branch: 1500 E. Stone Drive
Kingsport, Tennessee 37660 ATM Available
Appalachian Community Credit Union: Rogersville Br
Credit Union Branch: 1206 W. Main Street
Rogersville, Tennessee 37857 ATM Available
Appalachian Community Credit Union: Norton Virginia Br
Credit Union Branch: 1448 Park Avenue NW
Norton, Virginia 24273 ATM Available
Appalachian Community Credit Union: Appalachain Community Federal Credit Union ATM
Credit Union ATM: 5034 Bobby Hicks Highway Suite 2
Gray, Tennessee 37615
Appalachian Community Credit Union: Rogersville Br ATM
Credit Union ATM: 1206 W. Main Street
Rogersville, Tennessee 37857
Appalachian Community Credit Union: Berea
Credit Union Branch: 104 Pasco Street
P.O. Box 504
Berea, Kentucky 40403 ATM Available