Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jul 2026 |
| RSSD ID | 261294 |
| Address | 201 E. New Street, Kingsport, TN 37660 Directions (Google Maps) |
| Website | www.myacfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.myacfcu.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.3 million in 5 awards from the U.S. Treasury's CDFI Fund, 2017–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $1,125,000 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
| 2017 | Capital Magnet Fund | $1,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as APPALACHIAN COMMUNITY (charter 24495). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $182.8 million (as of 30 Jun 2026) |
|---|---|
| Members | 12,452 (as of 30 Jun 2026) |
| Offices | 5 in 2 states (as of 30 Jun 2026) |
Offices by state and county (5)
Tennessee (4 offices)
- Hawkins County (1): 1206 W Main St, Rogersville 37857
- Sullivan County (2): 201 E New St, Kingsport 37660 (main office); 1500 E Stone Dr, Kingsport 37660
- Washington County (1): 3101 Peoples St, Johnson City 37604
Virginia (1 office)
- Norton City (1): 1448 Park Ave NW, Norton 24273
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by APPALACHIAN COMMUNITY FCU (NCUA charter 24495, filed as “APPALACHIAN COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $149.8 million, 6,724 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 1.9% from $152.6 million on 30 Jun 2025 |
| Members | 12,452 (as of 30 Jun 2026); 12,406 (as of 30 Jun 2025) |
| Loans per member | $12,031 (total loans divided by members, 30 Jun 2026) |
| Total assets | $182.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $6.4 million | 4.3% |
| Used vehicle loans | $17.1 million | 11.4% |
| First-lien home mortgages (1-4 family) | $85.3 million | 57.0% |
| Other real estate loans (junior liens, other) | $19 million | 12.7% |
| Commercial (business) loans | $3 million | 2.0% |
| Credit cards | $2.1 million | 1.4% |
| Other unsecured loans | $3.9 million | 2.6% |
| Leases and other secured loans | $13 million | 8.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025APPALACHIAN COMMUNITY FCU reported 146 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $18.7M (median loan about $95,000). 53 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 53 | 36% |
| Refinance (incl. 24 cash-out) | 30 | 21% |
| Home improvement | 18 | 12% |
| Other purpose | 45 | 31% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 146 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 19 counties with at least one; 75% of its 2025 loans were for properties in Tennessee:
- Sullivan County, TN (44)
- Hawkins County, TN (24)
- Washington County, TN (24)
- Wise County, VA (17)
- Carter County, TN (9)
- Greene County, TN (6)
- Washington County, VA (6)
- Scott County, VA (3)
Filed under LEI 5493004C6NM2VNOH2N94 as “Appalachian Community Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $182.8 million | Larger than 55% of the 11 other certified credit unions in Tennessee (median $141.8 million). |
| Loans as a share of assets | 82% | Median of the same 11 credit unions: 75%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $152.6 million → $149.8 million (-2%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 146 | More than 59% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 55% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 5 → 5 of 12 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 59% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Kingsport and Tennessee
- Horizon Credit UnionCredit union · Kingsport, TNAuto / vehicle loans, Home mortgagesVerified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at APPALACHIAN COMMUNITY FCU? Link to this page
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