Appalachian Community Credit Union Johnson City TN | Best Auto Loans & Mortgage Rates

Introduction

Welcome to the Appalachian Community Credit Union, your trusted financial partner located at 3101 Peoples St, Johnson City, TN 37604. Since our establishment in 1993, we have proudly served over 12,000 members, fostering a strong community spirit and commitment to helping you achieve your financial goals. With total assets of $168,938,715 and deposits amounting to $7,504,979, we are well-equipped to provide you with personalized banking solutions that meet your unique needs. At Appalachian Community, we understand the importance of supporting our members. That's why we've facilitated a total of 6,940 loans and leases to empower you in making significant purchases or investments. Our dedicated team of 55 employees is here to guide you through every step of your financial journey. Under the leadership of CEO Andrew Mullins and Board President Joe Boggs, our focus remains on delivering exceptional service and innovative products tailored for personal banking, auto financing, mortgages, and more. While you can always visit us at our branch location for friendly assistance and expert advice, please note that any official correspondence should be directed to the same address: 3101 Peoples St, Johnson City, TN 37604. We invite you to experience the difference at Appalachian Community Credit Union. Whether you're looking for checking and savings accounts or need help with business banking services like loans and merchant services, we're here for you. Connect with us today by calling 423-232-2848, or explore our website at myacfcu.org to learn more about how we can support your financial aspirations. Your future starts here!

Branch History & Mission

At Appalachian Community, we take pride in our rich legacy and commitment to serving the Johnson City community. Established in 1993, our branch has grown alongside its members, evolving from a small financial institution into a cornerstone of support for over 12,300 members. Located at 3101 Peoples St, Johnson City, TN 37604, we are conveniently situated near local landmarks that make us easily accessible for all your banking needs. Our mission is simple yet profound: to empower our members through affordable financial services while fostering community growth and support. We believe that everyone deserves access to quality banking solutions that can help them achieve their financial goals. Whether you're looking for checking and savings accounts, auto loans, or personal loans, we strive to provide tailored services that meet your unique needs. Since opening our doors, we have reached significant milestones. Today, we proudly manage total assets of over $168 million, reflecting our dedication to financial stability and growth. Our team works tirelessly to maintain this success while ensuring that our members feel valued and supported every step of the way. As we continue to embrace advancements in technology, we have made it easier than ever for our members to bank on their terms. With online and mobile banking options available, managing your finances has never been more convenient. Our commitment extends beyond just banking; we aim to create an inclusive environment where all individuals feel welcome and empowered. While members can visit us at 3101 Peoples St for in-person assistance during our operating hours Monday to Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM official correspondence should be sent to the same address. Community outreach remains at the heart of what we do. Through various partnerships and initiatives, we work closely with local organizations to uplift those around us. This spirit of giving back is woven into the fabric of our mission. If you're ready to experience the benefits of becoming a member of Appalachian Community, don't hesitate! Join us today and discover how we can help you build a brighter financial future together. For any inquiries or further information, feel free to reach out at (423) 232-2848 or visit our website at myacfcu.org. We look forward to welcoming you into our family!

Branch Location & Accessibility

Welcome to the Appalachian Community Credit Union, your friendly financial partner located at 3101 Peoples St in Johnson City, TN. Our branch is easily accessible and situated near popular landmarks, making it convenient for you to drop by for all your banking needs. Whether you're heading from downtown or coming from the nearby parks, you'll find us nestled in a vibrant area that's easy to reach. While our physical location is at 3101 Peoples St, please note that any official correspondence should be sent to the same address for your convenience. We strive to provide an inclusive environment with features that accommodate everyone. Our branch meets ADA compliance standards, ensuring that all members can access our services with ease. Parking is available nearby, making it hassle-free to visit us. Although we currently do not offer drive-thru banking, our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 8:30 AM to 5:00 PM and on Fridays until 5:30 PM. Feel free to stop by during these hours, and if you prefer a quick question or two before coming in, give us a call at 423-232-2848. In addition to personal banking services such as checking and savings accounts, auto loans, and credit cards with rewards, we also provide ATM services right here at our branch. You can enjoy basic ATM access for withdrawals and balance checks anytime you need it. We invite you to come visit us at Appalachian Community Credit Union in Johnson City! Our friendly staff is ready to assist you with any of your financial needs. Don't hesitate; we look forward to seeing you soon!

Member Eligibility

Becoming a member of Appalachian Community is like joining a family that truly cares about your financial well-being. If you're looking to take advantage of our range of services, we welcome you with open arms! To be eligible, you simply need to live, work, worship, or attend school in the areas we serve. This means anyone from Johnson City and surrounding communities can become part of our supportive network. For detailed eligibility information, feel free to check out this resource: . Opening an account with us is straightforward and designed to make your banking experience as smooth as possible. You can get started by visiting our account opening page at http://www.myacfcu.org/apply-for-loan or give us a call at (423) 232-2848 if you have any questions. We're here for you at 3101 Peoples St Johnson City Tn 37604, ready to help you on your journey toward financial success!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services designed to streamline your payment processes. Picture this: you're running a busy shop during the holiday season. Our merchant services enable you to accept payments quickly and securely, enhancing customer satisfaction and boosting sales. Located at 3101 Peoples St Johnson City Tn 37604 in Johnson City, TN, we are here to support your business every step of the way. Whether you're looking for funding or efficient payment solutions, reach out to us at (423) 232-2848 to learn more about how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $18 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $3,379,722, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

Entrepreneurs and small business owners will find valuable resources through our Business Banking services. From Merchant Services that simplify payment processing to tailored Business Loans, we are committed to supporting your business growth.

Connect with Us

We invite you to explore all that Appalachian Community has to offer at our branch or online at https://www.myacfcu.org/. You can reach us at (423) 232-2848 during our operating hours: Monday through Thursday from 8:30 AM - 5:00 PM and Friday from 8:30 AM - 5:30 PM. Your financial well-being is important to us; let's work together towards achieving your goals!

Digital Banking Convenience

In today's fast-paced world, convenience is key. At Johnson City Br, we offer robust Online & Mobile Banking options so you can manage your finances anytime and anywhere. With features like mobile payments, e-statements, and person-to-person transfers, handling your banking needs has never been easier. Need cash? Our ATM services allow for quick withdrawals and balance checks without hassle.

Personal Banking Solutions

When it comes to personal banking, we understand that each member has unique goals. That's why we offer various Checking & Savings Accounts designed for everyday needs and long-term aspirations. Imagine having easy access to your funds while earning competitive interest rates our accounts make that possible. If you're considering a new vehicle, our Auto Loans & Vehicle Financing can help get you on the road with flexible terms and competitive rates. We also offer Mortgage Loans & Refinancing, making homeownership accessible and affordable. Our loan specialists are ready to guide you through the process, ensuring you find the right option for your circumstances. For those unexpected expenses or consolidating debt, our Personal Loans provide a straightforward solution without hidden fees or complicated terms. If you're looking for a way to earn rewards on your purchases, our Credit Cards with Rewards might be just what you need.

Digital & Online Banking

Key Features

Our online banking platform is packed with features that enhance your banking experience. Need to send money to a friend? With our person-to-person transfers, it's as simple as a few taps on your screen. Plus, our mobile payments feature allows you to pay for purchases directly from your phone, making shopping more convenient than ever. For those who prefer to keep an eye on their statements electronically, we offer e-statements that are not only eco-friendly but also help you manage your records efficiently. You can access your statements whenever you need them without having to sift through piles of paper.

Security and Accessibility

Security is a top priority at Appalachian Community. Our electronic signature authorization ensures that all transactions are secure, giving you peace of mind every time you bank online. Our user-friendly mobile application makes it easy to check balances, transfer funds, and manage your account with just a few clicks. Whether you're at home or on the go, our digital banking services empower you to take control of your financial life in real-time. Join us today at Appalachian Community and experience the convenience of modern banking!

Financial Strength

Continuous Growth and Support

Our commitment to serving you is evident through our $16,176,907 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $149,555,041 in total loans & leases, including $21,715,221 in used auto loans, our lending capacity supports your financial goals across various sectors.

Growing Member Base

We are proud to report that we have a robust membership base with 24,052 total share accounts. This reflects the trust that our members place in us as their chosen financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Appalachian Community is your trusted partner. Visit us at 3101 Peoples St Johnson City TN 37604 or call 423-232-2848 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Your savings are safe with us! We have $68,016,848 in share certificates and $4,890,103 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,595,222, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $467,298, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 53 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Health

With a net worth of $18,821,687, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.11% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,715,221 in used vehicle loans and $8,671,832 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options to ensure you find the right fit for your budget.

Credit Lines

Our total credit lines amount to $58,465,127, giving you access to extra funds when needed without the hassle of applying for multiple loans. This can be especially useful for managing expenses or unexpected costs. For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $3,379,722 are designed to meet your needs and support your business ventures. To learn more about our loan products or start your application today, visit us at our branch located at 3101 Peoples St Johnson City TN 37604 or call us at 423-232-2848. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Appalachian Community can assist you in reaching your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $8,284,044, making it easier than ever to secure the home you've always wanted.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,190,315 in loans helping members manage their finances effectively. These cards come with competitive interest rates and can be an excellent tool for building your credit while providing immediate access to funds when you need them.

Loan Aggregator

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Real-Time Rate Comparisons

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