Appalachian Community Credit Union Norton VA | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Appalachian Community, your trusted financial partner located at 1448 Park Ave NW, Norton, VA 24273. Since our establishment in 1993, we have been dedicated to serving our members and the community with a variety of financial services tailored to meet your needs. With a proud membership of over 12,300 individuals and total assets exceeding $168 million, we stand ready to support you on your financial journey. At Appalachian Community, we understand that banking is more than just transactions; it's about building relationships and fostering trust within our community. Our CEO, Andrew Mullins, along with Board President Joe Boggs, leads a team of 55 employees who are committed to providing exceptional service. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgages, or business financing, we have you covered. While members can visit us at our branch location, official correspondence should be sent to the same address: 1448 Park Ave NW, Norton, VA 24273. We invite you to explore our wide range of services, which also include convenient online and mobile banking options. With total deposits amounting to $7,504,979 and a solid net worth of $18,821,687, we are financially equipped to help you achieve your goals. Our commitment extends beyond numbers; we strive to make a positive impact in the communities we serve. Ready to take the next step? Call us today at 276-679-1342 or visit our website at myacfcu.org for more information. Let's work together towards your financial success!

Branch History & Mission

Commitment to Service

We offer convenient operating hours from Monday to Thursday between 8:30 AM and 5:00 PM, and until 5:30 PM on Fridays. This flexibility ensures that you can access our services when it suits you best. With both ATM availability and drive-thru banking options, managing your finances has never been easier. While members can visit us at 1448 Park Ave NW, official correspondence should be sent to the same address. If you're looking for modern conveniences, we also provide online and mobile banking options for your ease.

Join Us Today!

As we continue on this journey together, we invite you to become a part of the Appalachian Community family. Experience firsthand the benefits of membership where your financial goals are supported by friendly faces who care about your success. Visit us today or check out more about what we offer at myacfcu.org. Let's build a brighter future together!

Our Mission

At Appalachian Community, our mission is clear: to improve the financial well-being of our members while fostering a sense of belonging and support. We strive to provide accessible banking services tailored to meet diverse needs from checking and savings accounts to auto loans and credit cards with rewards. Our goal is to make financial services straightforward and beneficial for everyone. We believe in supporting our community beyond banking. Through partnerships with local organizations and outreach initiatives, we aim to uplift those around us. Whether through educational workshops or financial literacy programs, we are committed to making a difference.

Branch Location & Accessibility

Convenient Location

Nestled near local landmarks, our branch is a familiar spot for many in the community. We invite you to stop by and experience our friendly service firsthand. While members can visit us at 1448 Park Ave NW, official correspondence should be sent to the same address.

Easy Access and Parking

Our location offers ample parking space, making it simple for you to come in and out without hassle. The branch is equipped with accessibility features such as ADA-compliant ramps, ensuring everyone can easily access our services.

Operating Hours

We know how busy life can get, so we've made our hours convenient for you! Visit us Monday through Thursday from 8:30 AM to 5:00 PM and on Fridays until 5:30 PM. Whether you're stopping by before work or after school, we're here when you need us.

Services Offered

At Appalachian Community, we pride ourselves on offering a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage options, our team is ready to assist you. Plus, with our drive-thru banking option available, you can quickly handle deposits and withdrawals without leaving your car!

Stay Connected

For your convenience, we also provide ATM access right outside our branch. If you have any questions or need assistance, don't hesitate to give us a call at 276-679-1342. Our friendly staff is always eager to help! Come visit us today at Appalachian Community in Norton! We look forward to welcoming you into our family.

Member Eligibility

Becoming a member of Appalachian Community is like joining a close-knit family that's dedicated to your financial well-being. If you live, work, or worship in the Norton area, or if you're related to someone who does, you're already on your way to membership! This means that individuals from diverse backgrounds can easily become part of our community. We believe in making banking accessible for everyone, so once you're eligible, you'll enjoy benefits like competitive loan rates and personalized service that truly cares about your needs. To start your journey with us at Appalachian Community, simply visit us at our location on 1448 Park Ave Nw Norton Va 24273, or give us a call at (276) 679-1342. You can also check out the detailed eligibility criteria at to ensure you meet all the requirements. When you're ready to open an account, just head over to http://www.myacfcu.org/apply-for-loan for an easy application process. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Driving Economic Growth

With an outstanding commercial loan portfolio of $3,379,722, we continue to drive economic growth by financing new and expanding businesses in Norton, VA. Our expert advisors are dedicated to finding the right financial products that align with your business goals. Explore how our services can transform your business today! Visit us at 1448 Park Ave Nw Norton Va 24273 or call us at (276) 679-1342 to learn more about our business banking and commercial services.

Loan Options for 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. This financing can empower you to purchase new equipment, hire additional staff, or invest in marketing strategies that elevate your brand.

Supporting the Community

We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that adapt to various business scenarios. Whether you're looking for short-term capital or long-term investments, our team is ready to assist you.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are here to help turn your dream into reality. We provide competitive rates that make it easier for you to drive off in the vehicle you want without breaking the bank. Plus, our friendly staff is ready to guide you through the process step by step.

Business Banking Services

If you're a business owner, we offer specialized business banking solutions, including merchant services and business loans, aimed at helping you grow. We understand the unique challenges that businesses face, and we're here to support your success with resources tailored just for you.

Credit Cards with Rewards

For those who love earning rewards while spending, our credit cards with rewards are an excellent option. You can earn points on every purchase which can be redeemed for various benefits. It's a win-win situation where you get to enjoy what you spend!

Easy Access Through Digital Banking

In today's busy world, convenience matters most. That's why we emphasize our online and mobile banking services. You can manage your accounts anytime, anywhere whether that's from home or on the go. With features like ATM access for cash withdrawals and basic drive-thru banking for quick transactions, we aim to make banking as hassle-free as possible. Feel free to reach out to us at 276-679-1342 if you have any questions or need assistance with any of our services. We're dedicated to helping our members achieve their financial goals! Whether you're looking for personal banking solutions or business services, visit us today at Appalachian Community, where your financial well-being is our priority!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and with our mortgage loans and refinancing options, it can be within reach. We offer flexible terms that cater to different budgets, so whether you're buying your first home or refinancing an existing mortgage, we'll help simplify the process.

Personal Banking Solutions

We understand that managing your personal finances can sometimes feel overwhelming. That's why we offer tailored checking and savings accounts designed to meet your specific needs. With features like online banking and mobile payments, accessing your money has never been easier. Imagine being able to check your balance or transfer funds right from your phone while sipping coffee at home!

Personal Loans & Debt Consolidation

Need some extra cash for unexpected expenses? Our personal loans and debt consolidation services can help alleviate financial stress by combining multiple payments into one manageable monthly payment. Picture yourself enjoying peace of mind knowing that your finances are under control.

Digital & Online Banking

Key Services

Our online platform allows you to check your balance, transfer funds, and pay bills with just a few clicks. Plus, with our electronic signature authorization, signing documents is quick and hassle-free. You'll appreciate the ability to view your e-statements anytime no more waiting for paper statements in the mail! For those who enjoy using their mobile devices, our mobile application makes banking even simpler. You can make mobile payments and send money to friends or family through person-to-person transfers, all from the palm of your hand. And if you ever need assistance, our friendly team is just a phone call away at (276) 679-1342.

Security and Convenience

Your security is our priority. We use advanced technology to protect your personal information while you manage your accounts online. Our user-friendly interface ensures that even those new to digital banking will find it easy to navigate. At Appalachian Community, we believe that banking should not only be accessible but also enjoyable. With features like mobile payments, electronic signatures, and 24/7 access through our online platform, managing your finances has never been easier or more secure. Experience the convenience today!

Financial Strength

At Appalachian Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to maintaining a strong financial foundation to support our community and members in achieving their financial goals. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 robust; with $15,559,829 in used auto loans and an impressive total of $149,555,041 in loans and leases available for our members' diverse needs. Our operational efficiency shines through with a net income of $467,298, which enables us to keep offering competitive loan rates and solid financial products tailored for 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. Net Shares (funds available for lending and investments) stand at $922,631, while our strong member base is reflected in the 24,052 total share accounts we manage. This growth indicates the trust that our community places in us. 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 1448 Park Ave Nw Norton Va 24273 or call 276-679-1342 to learn more about how we can help you achieve your financial goals.

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 considering a brand-new model or a reliable used option, we have flexible financing solutions to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $3,379,722 provide the capital needed to grow and expand. We believe in supporting local businesses and helping them thrive within our community. At Appalachian Community in Norton, VA (1448 Park Ave Nw), we prioritize your financial well-being. You can reach us at 276-679-1342 during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 5:30 PM. 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 our loan offerings today and see how we can assist you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $8,284,044, making buying or refinancing simple. We strive to provide clear information on eligibility and refinancing options to ensure you find the best fit for your situation.

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. This is an excellent option for those looking to consolidate debt or cover unexpected expenses without putting up 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. With a focus on transparency and accuracy, LendMesh is designed to help users navigate the often complex world of loans with ease. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to using verified sources means that users can trust the information they receive. The data is regularly updated based on the latest results (Source: https://www.ncua.gov), ensuring that all offers are fair and transparent. One of the key benefits of using LendMesh is the Verified Data feature. Loan offers are sourced from legitimate financial institutions, which helps eliminate confusion and fosters trust. Additionally, LendMesh maintains a strict policy of No Sponsored Listings, meaning lenders are not prioritized based on paid promotions this guarantees unbiased results for users. LendMesh also provides Real-Time Rate Comparisons, allowing users to see up-to-date loan rates from multiple institutions. This feature empowers consumers to make informed decisions about their borrowing options without feeling rushed or pressured. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the real impact LendMesh has had on individuals seeking better financial solutions. For those looking to compare loan offers easily and effectively, we encourage you to explore LendMesh's loan comparison tool today at LendMesh. Find the best rates tailored to 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.*