Credit union · NCUA insured
Appalachian Community Federal Credit Union
Top CarrotA $183.7M credit union headquartered in Kingsport, TN, with 12,381 members and 5 branches in 2 states. Best rates: CDs 4.15% and savings 0.40% APY.
Appalachian Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#3 of 15 in Kingsport, TN-VA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Appalachian Community Federal Credit Union
- Headquarters
- 201 E New St, Kingsport, TN 37660-4334
- NCUA charter
- 24495
Branches
5 branches in 2 states
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Tennessee
4 branches
Kingsport area · 3
- Appalachian Community FCUMain office201 E New St, Kingsport, TN 37660Directions
- East Stone Drive Br1500 E Stone Dr, Kingsport, TN 37660Directions
- Rogersville Br1206 W Main St, Rogersville, TN 37857Directions
Johnson City area · 1
- Johnson City Br3101 Peoples St, Johnson City, TN 37604Directions
Virginia
1 branch
- Norton Virginia Br1448 Park Ave NW, Norton, VA 24273Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.99% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.69% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio10.99%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Appalachian Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.