Credit union · NCUA insured
Appliance Credit Union
A $17.2M credit union headquartered in Cleveland, TN, with 1,963 members and 1 branch in Tennessee. Best rates: CDs 3.29% APY.
Appliance Credit Union Carrot Score
72
Carrot Score
Higher than 32% of U.S. banks and credit unions
#4 of 9 in Cleveland, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Appliance Credit Union
Working for you since 1972, Appliance Credit Union is a member-owned financial institution headquartered in Cleveland, Tennessee.
- Headquarters
- 150 Linden Ave SE, Cleveland, TN 37311
- NCUA charter
- 67976
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bradley County are eligible for membership.
Family and household
- Family members of any current member (including parent, spouse, spouse’s parent, child, step-child, grandparent, spouse’s grandparent, grandchild, brother, sister, brother- or sister-in-law, step-brother or step-sister, aunt or uncle, niece or nephew) are eligible for membership.
Cost to join
- An initial deposit of $5.00 (one share) in a share/savings account establishes partial ownership.
- A one-time membership fee of $0.25 is required to access credit union services.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Appliance Credit UnionMain office150 Linden Ave SE, Cleveland, TN 37311Directions
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 | 9.60% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.17% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.32% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $30 | $59 | — |
- CapitalNet worth ratio9.60%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.17%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.32%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$30Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Appliance Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.