Credit union · NCUA insured
Appalachian Community Federal Credit Union Savings Rates
Top CarrotAppalachian Community Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Appalachian Community Federal Credit Union’s savings 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
0.40%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Appalachian Community Federal Credit Union savings score
75
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.40%APY
Minimum to open is $1,000.00. No dividend is paid if balance falls below $1,000.00. Variable rate subject to change monthly. Members may not make more than 3 withdrawals/transfers per calendar month; each withdrawal/transfer must be at least $250.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $15,000 | 0.40% | $40 |
| $15,000 – $50,000 | 0.40% | — |
| $50,000 – $75,000 | 0.70% | — |
| $75,000 – $100,000 | 0.70% | — |
| Over $100,000 | 1.00% | — |
Sources (2)
All captured Oct 5, 2026
Share (Savings)*
0.25%APY
Rates effective as of 10/15/2026. Subject to change. Minimum $5.00 to open or obtain dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 – $7,500 | 0.10% | — |
| $7,500 – $50,000 | 0.25% | $25 |
| $50,000 – $100,000 | 0.55% | — |
| Over $100,000 | 0.80% | — |
Sources (1)
- myacfcu.org/Rates/Savings-Rates · captured Oct 15, 2026
Special-purpose accounts
IRA Share
0.45%APY
$5.00 minimum to open or obtain dividend. Tax-deferred benefit options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5.00 minimum to open or obtain dividend.$5 and up | 0.45% | $45 | $5.00 minimum to open or obtain dividend. |
Sources (2)
All captured Oct 15, 2026
Christmas Club
0.20%APY
No early withdrawals. Funds become available November 1st. $5.00 minimum average monthly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo early withdrawals. Funds become available November 1st. $5.00 minimum to open or obtain dividend.$5 and up | 0.20% | $20 | No early withdrawals. Funds become available November 1st. $5.00 minimum to open or obtain dividend. |
Sources (2)
All captured Oct 15, 2026
Tax Savers Club
0.20%APY
No early withdrawals. Funds become available April 1st. $5.00 minimum average monthly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo early withdrawals. Funds become available April 1st. $5.00 minimum to open or obtain dividend.$5 and up | 0.20% | $20 | No early withdrawals. Funds become available April 1st. $5.00 minimum to open or obtain dividend. |
Sources (2)
All captured Oct 15, 2026
Vacation Club
0.20%APY
No early withdrawals. Funds become available June 1st. $5.00 minimum average monthly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo early withdrawals. Funds become available June 1st. $5.00 minimum to open or obtain dividend.$5 and up | 0.20% | $20 | No early withdrawals. Funds become available June 1st. $5.00 minimum to open or obtain dividend. |
Sources (2)
All captured Oct 15, 2026
Youth Savers
0.20%APY
No transaction limitations. $5.00 minimum opening deposit and $5.00 minimum average monthly balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upNo early withdrawal limitations. $5.00 minimum to open or obtain dividend.$5 and up | 0.20% | $20 | No early withdrawal limitations. $5.00 minimum to open or obtain dividend. |
Sources (2)
All captured Sep 18, 2026
Who can join Appalachian Community Federal Credit Union
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