Credit union · NCUA insured
Appalachian Community Federal Credit Union CD Rates
Top CarrotAppalachian Community Federal Credit Union’s best CD rate is 4.15% APY on a 2-year share certificate (CD). Terms run from 3 months to 6 years. Rates checked October 15, 2026.
How Appalachian Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where Appalachian Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Appalachian Community Federal Credit Union
4.15%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $847
Certificates
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
Citizens Bank
4.40%APY
- Term
- 39 months
- Minimum
- $2,500
- Earns on $10,000
- $1,502
Appalachian Community Federal Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Appalachian Community Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.15%APY · 11 terms
Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPaid monthly | 4.00% | $99 |
| 6 monthsPaid monthly | 4.00% | $198 |
| 9 monthsPaid monthly | 4.00% | $299 |
| 12 monthsPaid monthly | 4.05% | $405 |
| 18 monthsPaid monthly | 4.10% | $621 |
| 24 monthsPaid monthly | 4.15% | $847 |
| 30 monthsPaid monthly | 4.05% | $1,043 |
| 36 monthsPaid monthly | 4.05% | $1,265 |
| 48 monthsPaid monthly | 3.75% | $1,587 |
| 60 monthsPaid monthly | 3.75% | $2,021 |
| 72 monthsPaid monthly | 3.75% | $2,472 |
Sources (1)
- myacfcu.org/Rates/Savings-Rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.15%APY · 11 terms
Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPaid monthly | 4.00% | $99 |
| 6 monthsPaid monthly | 4.00% | $198 |
| 9 monthsPaid monthly | 4.00% | $299 |
| 12 monthsPaid monthly | 4.05% | $405 |
| 18 monthsPaid monthly | 4.10% | $621 |
| 24 monthsPaid monthly | 4.15% | $847 |
| 30 monthsPaid monthly | 4.05% | $1,043 |
| 36 monthsPaid monthly | 4.05% | $1,265 |
| 48 monthsPaid monthly | 3.75% | $1,587 |
| 60 monthsPaid monthly | 3.75% | $2,021 |
| 72 monthsPaid monthly | 3.75% | $2,472 |
Sources (1)
- myacfcu.org/Rates/Savings-Rates · captured Oct 5, 2026
Appy Youth Certificate
2.05%APY · 1 term
Available for ages 0-17. An adult joint owner is required on the child's account. Converts to a regular certificate at age 18. Add-on deposits do not extend maturity. Early withdrawal penalty may apply. Limited time offer. Certificate will revert to the prevailing rate at maturity. Interest will compound to the Certificate or will pay to another account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for ages 0-17. Adult joint owner required. Limited time offer | 2.05% | $205 |
Sources (1)
- myacfcu.org/Rates/Savings-Rates · captured Oct 5, 2026
Who can join Appalachian Community Federal Credit Union
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