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

Introduction

Welcome to Appalachian Community, your trusted financial partner right here in the heart of Kingsport, TN! Established in 1993, we have proudly served our community for over 30 years, helping 12,308 members achieve their financial dreams. At our branch located at 201 E New St, Kingsport, TN 37660, we're dedicated to providing personalized banking solutions that cater to your unique needs. Our commitment to excellence is reflected in our impressive financial standing. With total assets amounting to a robust $168,938,715 and total deposits of $7,504,979, we ensure that your money is safe and growing. We understand the importance of accessibility, which is why we offer services like online and mobile banking to make managing your finances easier than ever. Led by our CEO Andrew Mullins and Board President Joe Boggs, our team of 55 employees is here to support you. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans or mortgages, we are ready to help. You can also take advantage of our credit card rewards program designed to benefit you even more. While members can visit us at our branch location, official correspondence should be sent to the same address: 201 E New St, Kingsport, TN 37660-4334. If you have any questions or need assistance, don't hesitate to reach out at (423) 378-3778. We invite you to experience the Appalachian Community difference where your financial well-being is our top priority. Visit us today or explore more about what we offer at myacfcu.org!

Branch History & Mission

Community Engagement

We believe in giving back to the community that supports us. Over the years, we've partnered with local organizations and initiatives to help improve lives in Kingsport and beyond. By participating in various outreach programs and events, we aim to uplift those around us while reinforcing our commitment to community development. While you can visit us at 201 E New St, official correspondence should be sent to 201 E New St, Kingsport, TN 37660-4334 if necessary. Our branch is open Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. You can reach us at (423) 378-3778 for any inquiries or assistance. Join us at Appalachian Community! Experience firsthand how we blend solid financial guidance with genuine care for our members and community. Together, let's build a brighter future!

Our Mission

At Appalachian Community, our mission is simple: we aim to empower our members through exceptional financial services while fostering community growth and support. We understand that each member has unique needs and dreams. That's why we offer personalized solutions tailored just for you. Whether you're opening your first savings account or seeking financing for your dream car, we are here to guide you every step of the way. In addition to traditional banking services, we embrace digital advancements that make banking easier for everyone. With options like online banking, mobile payments, and electronic signatures, managing your finances has never been more convenient. We also ensure that our facilities comply with ADA standards so everyone can access our services comfortably.

Branch Location & Accessibility

Accessibility Features

Our branch prioritizes accessibility for all members. With ADA-compliant features such as ramps and designated parking spaces, we ensure everyone can access our services comfortably. You'll find ample parking available right outside the branch, so there's no need to worry about finding a spot.

Operating Hours & Services

We're here to serve you during convenient hours: from Monday to Thursday, we're open from 8:30 AM to 5:00 PM, and on Friday until 5:30 PM. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with loans and credit cards, our friendly staff is ready to help. Plus, we offer ATM services for quick cash withdrawals and balance checks whenever you need them.

Visit Us Today!

We invite you to stop by or give us a call at 423-378-3778. Let us be your partner in achieving financial wellness! At Appalachian Community, we're more than just a credit union; we're part of your community. Come see how we can help you today!

Member Eligibility

At Appalachian Community, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're curious about joining us at our Kingsport location on 201 E New St Kingsport Tn 37660, we'd love to welcome you! Membership is open to anyone who lives, works, worships, or goes to school in the community. This means that whether you're a local resident or just passing through, you might qualify for all the benefits we offer. By becoming a member, you gain access to fantastic financial products, personalized service, and resources designed to help you thrive. Joining is easy just visit our website for account opening details at http://www.myacfcu.org/apply-for-loan. If you have any questions or need assistance along the way, don't hesitate to give us a call at (423) 378-3778. We're here to help make your membership experience smooth and enjoyable. For more information on eligibility requirements, feel free to check out the details at . We can't wait to see you as part of our community!

Business Banking & Commercial Services

Loan Options Tailored for You

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,379,722, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify your transactions. Imagine effortlessly accepting payments from customers through various channels be it in-store or online. This not only enhances customer satisfaction but also boosts your sales potential. Located conveniently at 201 E New St Kingsport Tn 37660, Kingsport, TN 37660, our team is ready to assist you with all your business banking needs. Contact us at (423) 378-3778 or visit us today!

Comprehensive List Of Services

ATM Access and Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that you can access your funds conveniently whenever necessary. With basic ATM access available for withdrawals and balance checks, we've got you covered no matter where life takes you. At Appalachian Community, we strive to create a welcoming environment where financial success is within everyone's reach. If you're interested in learning more about how we can assist with your financial needs or if you'd like to open an account, please give us a call at (423) 378-3778 or visit our website at Appalachian Community Fcu. Let's work together towards achieving your financial goals!

Business Banking Services

For our business members, we have tailored Business Banking services that include Merchant Services and Business Loans designed to help you grow and manage your enterprise effectively. Whether you're launching a startup or expanding an existing business, we're here to support you.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Appalachian Community offers robust Online & Mobile Banking solutions, allowing you to bank anytime, anywhere. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. You can access your accounts securely from your smartphone or computer, check balances, make transfers, and more all with just a few taps.

Personal Banking Solutions

Whether you are just starting out or looking to optimize your savings, our Personal Banking services cover everything from checking and savings accounts to auto loans and vehicle financing. Imagine being able to open a checking account that fits your lifestyle, allowing you to manage your daily expenses effortlessly. Our savings accounts offer competitive rates, helping you grow your money for future goals. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options provide flexible terms and competitive rates, making it easier for you to drive off in the car of your dreams. We also offer Mortgage Loans & Refinancing solutions for those ready to purchase their first home or looking to lower their monthly payments through refinancing.

Support for Your Financial Journey

In addition to traditional banking services, we know life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options that can help you regain control over your finances. Plus, our Credit Cards with Rewards give you the opportunity to earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to use electronic signatures for authorizations. This means you can approve transactions securely without having to visit a branch. Plus, you'll enjoy the convenience of e-statements, allowing you to view and manage your financial documents online instead of sifting through paper. Need to send money quickly? Our person-to-person transfer service lets you send funds to family or friends instantly, making it perfect for splitting bills or sending gifts. And if you prefer using your mobile device for payments, we offer a mobile payments feature that lets you make transactions with just a tap.

Security and Accessibility

Your security is our top priority. We implement advanced security measures to protect your personal information while ensuring that our services remain user-friendly. With real-time account management, you'll always know where your money stands. In summary, at Appalachian Community, we're committed to providing a digital banking experience that fits into your lifestyle. From mobile payments to secure electronic signatures, every feature is crafted to enhance your banking experience while keeping it safe and accessible. Explore all these services today and see how easy banking can be!

Financial Strength

Dedicated Team

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, committed team. Total Share Accounts: 24,052, showing a strong and growing member base that trusts us with their finances. 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 201 E New St Kingsport Tn 37660 or call (423) 378-3778 to learn more about how we can help you achieve your financial goals.

Innovative Reinvestment

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. This commitment allows us to adapt to your needs while ensuring our long-term stability.

Member-Centric Savings

Your 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.

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 $1,111 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $1,559 in used auto loans and $149,555,041 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $467,298 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

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 a reliable used car, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $3,379,722 provide the capital needed to grow and expand. We're committed to supporting local businesses and helping them thrive in our community.

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 clear terms and competitive rates to ensure that you can navigate your path to owning a home with confidence.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we have refinancing options available that could work for you. Speak with one of our loan officers today about how we can assist you in finding the best solution tailored to your financial situation. At Appalachian Community located at 201 E New St Kingsport Tn 37660, we're here to support all your financial needs. For more information or to start an application for any of our loan products, please call us at 423-378-3778 or visit our website at myacfcu.org. 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 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 provide an easy way to handle unexpected expenses while building your credit history.

Loan Aggregator

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