Appalachian Community Credit Union Kingsport TN | Affordable Auto Loans & Business Banking

Introduction

Welcome to Appalachian Community, your trusted financial partner located at 1500 E Stone Dr, Kingsport, TN 37660. Since our establishment in 1993, we have been dedicated to serving our community with a focus on trust, reliability, and personalized service. With a robust membership of 12,308 individuals, we strive to meet the diverse financial needs of our members, whether it's through checking and savings accounts or a wide range of loan options. At Appalachian Community, we proudly manage total assets of $168,938,715, which reflects our commitment to responsible growth and member satisfaction. Our financial strength is further highlighted by $7,504,979 in total deposits and a net worth of $18,821,687. We understand that each member has unique goals, which is why we offer tailored services including auto loans for your next vehicle purchase or mortgage loans to help you secure your dream home. Our dedicated team of 55 employees, led by CEO Andrew Mullins and Board President Joe Boggs, is here to assist you every step of the way. Whether you're visiting us in person or exploring our services online at myacfcu.org, you can expect friendly service and expert guidance. While members can visit us at 1500 E Stone Dr, official correspondence should be sent to the same address for your convenience. We invite you to contact us at (423) 578-4900 during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. Join us today and discover how Appalachian Community can support your financial journey!

Branch History & Mission

A Legacy of Service

Since opening our doors, we have continually adapted to meet the changing needs of our members. From offering personal banking solutions like checking and savings accounts to providing auto loans and mortgage refinancing options, we strive to be a comprehensive resource for all your financial needs. In addition to traditional services, we embrace modern technology with features such as online and mobile banking, e-statements, and person-to-person payment options that simplify your banking experience. We also recognize the importance of being accessible. With an ATM available on-site and drive-thru banking options for added convenience, we ensure that you can manage your finances with ease.

Community Engagement

Community involvement is at the heart of what we do. Our outreach efforts include partnerships with local organizations aimed at promoting financial literacy and supporting economic development within Kingsport. We understand that when our community thrives, so do we. While members can visit us at 1500 E Stone Dr for all their banking needs, official correspondence should be sent to the same address for consistency. If you have any questions or need assistance, don't hesitate to reach out by calling us at 423-578-4900 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM.

Join Us

As we look toward the future, we remain committed to enhancing our services while maintaining strong ties within the community. We invite you to become part of our family here at Appalachian Community. Experience firsthand how we can help you achieve your financial goals while making a positive impact in Kingsport. Visit us today or explore more about joining at myacfcu.org.

Branch Location & Accessibility

Welcome to Appalachian Community, your friendly neighborhood credit union located at 1500 E Stone Dr in Kingsport, TN! Nestled in the heart of Sullivan County, our branch is conveniently situated near local landmarks, making it easy for you to stop by and experience our services. Whether you're heading home from work or running errands, we're just a stone's throw away. Our branch is designed with accessibility in mind. You'll find ample parking available, along with features that ensure everyone can visit us comfortably. We are ADA compliant, offering ramps and other accommodations to support all members of our community. At Appalachian Community, we pride ourselves on providing personalized service during our lobby hours. We're open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM, so you can choose a time that fits your schedule. If you're in a hurry, take advantage of our convenient drive-thru banking for quick deposits or withdrawals without leaving your vehicle. For those who prefer banking on the go, we also offer ATM access right here at the branch. You can easily withdraw cash or check your balance anytime. And if you need assistance or have questions about our services like personal banking options, auto loans, or credit cards don't hesitate to reach out! Give us a call at 423-578-4900; we're here to help! While members can visit us at 1500 E Stone Dr, official correspondence should be sent to the same address as well. We invite you to stop by and see how Appalachian Community can support your financial journey today!

Member Eligibility

Joining the Appalachian Community feels like becoming part of a family that genuinely cares about your financial well-being. Membership is open to anyone who lives, works, or worships in the Kingsport area, as well as their family members. This inclusivity means that whether you're looking for a reliable place to save or need support with loans and credit, we're here for you. By becoming a member, you gain access to a range of benefits tailored to meet your needs, from competitive interest rates on loans to personalized service from our friendly staff. Getting started is simple! Just visit us at 1500 E Stone Dr, Kingsport, TN 37660, or give us a call at 423-578-4900 if you have any questions. For more detailed information on eligibility criteria and to stay updated, check out our resource page at . When you're ready to open an account, you can find everything you need at http://www.myacfcu.org/apply-for-loan . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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.

Merchant Services That Make Sense

In addition to loans, our merchant services offer practical tools for daily operations. Whether you're processing payments or managing cash flow, our solutions simplify transactions, allowing you to focus on what matters most running your business. Visit us at 1500 E Stone Dr Kingsport Tn 37660 or call us at (423) 578-4900 to learn more about how our business banking services can help your venture thrive!

Comprehensive List Of Services

Business Banking

If you're a business owner, we have tailored services just for you. Our merchant services make it easy to accept payments from customers, while our business loans provide the capital you need to grow your business. We know how challenging running a business can be, and we're here to support you every step of the way.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime and anywhere is essential. At East Stone Drive Br, we offer robust online and mobile banking options that make managing your finances easy. You can check balances, transfer funds, and even deposit checks all from the comfort of your home or on the go. For cash withdrawals or quick transactions, take advantage of our ATM services located conveniently near you. If you prefer face-to-face interactions, our basic drive-thru banking allows for deposits and withdrawals without leaving your car.

Get Started Today!

With so many services available at Appalachian Community, we're confident you'll find exactly what you need. Feel free to reach out to us at (423) 578-4900 if you have any questions or want more information about any service we offer. We're here to help! Visit us today at 1500 E Stone Dr Kingsport Tn 37660 in Kingsport, TN, or explore more about us online at https://www.myacfcu.org/ . Let's work together toward achieving your financial goals!

Personal Banking

Managing your money should be simple and convenient. That's why we offer various checking and savings accounts designed to fit different lifestyles. Imagine having a checking account that not only keeps your money safe but also earns you interest over time. Our savings accounts are perfect for building an emergency fund or saving for that special vacation you've been dreaming about. If you're in the market for a new vehicle, check out our auto loans and vehicle financing options. We understand how important it is to get the right financing for your dream car, which is why we strive to provide competitive rates and flexible terms. For those considering homeownership or refinancing, our mortgage loans can help turn your dreams into reality. Sometimes life throws unexpected expenses your way. With our personal loans and debt consolidation services, you can take control of your finances again. And let's not forget about our credit cards with rewards, which allow you to earn points on everyday purchases perfect for those who love to travel or shop!

Digital & Online Banking

Accessibility and Real-Time Management

Managing your finances should be stress-free. With our online banking services, you'll have real-time access to your account information whenever you need it. Whether you're checking your balance before making a purchase or reviewing recent transactions, everything is just a click away. At Appalachian Community, we're committed to providing a banking experience that fits into your lifestyle. Enjoy the peace of mind that comes with secure transactions and easy access to all the tools you need for effective financial management. Join us today and discover how our digital banking services can simplify your life!

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer money at your convenience. You can also enjoy electronic statements Yes, which help you keep track of your finances while reducing paper clutter. If you're always on the go, our mobile application Yes is perfect for you. It comes with a user-friendly interface that makes mobile payments Yes and person-to-person transfers Yes quick and simple. You can send money to friends or family in just a few taps, making it easier to share expenses or settle up after a night out. For added security and efficiency, we offer electronic signature authorization Yes, so you can sign documents electronically without the hassle of printing and scanning. This feature streamlines the process of opening new accounts or applying for loans right from your phone or computer.

Financial Strength

Commitment to Growth and Innovation

With $16,176,907 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; we currently have $149,555,041 in total loans and leases, which includes 1,559 used auto loans. This support helps our members achieve their financial goals across various sectors. Our operational efficiency shines through as well; our net income of $467,298 reflects our ability to maintain a healthy bottom line while continuing to offer competitive loan rates and solid financial products for our members.

Dedicated Team Ready to Assist You

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. With a total of 24,052 share accounts, it's clear that many trust us with their finances. Our strong financial position means we can continue serving you with confidence. Whether you're saving for the future or considering borrowing options today, Appalachian Community is your trusted partner. Visit us at 1500 E Stone Dr Kingsport Tn 37660 or call 423-578-4900 to learn more about how we can help you achieve your financial goals.

Members' Savings Secured

Members' savings are secured through $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.

Strong 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. Whether you're interested in financing a brand-new model or prefer a reliable used vehicle, we've got options that suit your budget and lifestyle.

Credit Lines

If you're looking for financial flexibility, consider our credit lines totaling $58,465,127. These can be an excellent resource for managing cash flow or funding personal projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,284,044, make buying or refinancing simple. We provide competitive rates and flexible terms to help you secure the home of your dreams.

Refinancing Options

If you already have existing loans and are seeking better terms or lower interest rates, our refinancing options may be available to you. Reach out to us for more information about eligibility and how we can assist you in saving money over time. For any questions or to get started on your loan application today, feel free to contact us at 423-578-4900. We're here to guide you through every step of the process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Cards

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. This option is perfect for those looking to consolidate debt or cover unexpected expenses without the hassle of collateral.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. By using LendMesh, you can quickly see options from various lenders without the hassle of searching each one individually. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. With a focus on accuracy, LendMesh provides reliable information that helps you make informed decisions about your borrowing options. One of the key benefits of LendMesh is its commitment to transparency. All loan offers are sourced from legitimate financial institutions, ensuring you can trust the information presented. Additionally, LendMesh does not prioritize lenders based on paid promotions this means that every option is displayed equally, allowing you to compare rates without bias. LendMesh also excels in delivering real-time rate comparisons. The platform updates loan rates from multiple institutions regularly, ensuring that you have access to the most current information available. This feature empowers users to act quickly and take advantage of favorable rates. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the effectiveness of LendMesh as a valuable tool for borrowers seeking better deals. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

APPALACHIAN COMMUNITY FEDERAL CREDIT UNION - Kingsport, TN