Credit union · NCUA insured
ARH Federal Credit Union
A $20M credit union headquartered in Middlesboro, KY, with 3,700 members and 1 branch in Kentucky. Best rates: CDs 2.79% and savings 0.10% APY.
ARH Federal Credit Union Carrot Score
61
Carrot Score
Higher than 5% of U.S. banks and credit unions
#2 of 2 in Middlesborough, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ARH Federal Credit Union
ARH Federal Credit Union is headquartered in Middlesboro, Kentucky, and has been serving members since its beginnings in the 1970s.
- Headquarters
- 3805 Cumberland Ave, Middlesboro, KY 40965
- NCUA charter
- 20438
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, or goes to school in Bell County.
Employers and groups
- Membership is open to employees, doctors, medical staff, and technicians of Appalachian Regional Hospitals and related medical affiliates working in Kentucky, Virginia, and West Virginia.
- Membership is open to employees of ARH Federal Credit Union.
- Membership is open to employees of over 80 Select Employee Groups (ranging from city employees and mining employees to small businesses and manufacturing employees) working in southeastern Kentucky.
Family and household
- Membership is open to members of immediate families (including parents, brothers, sisters, aunts, uncles, grandparents, etc.) of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership.
2 more ways to join
Other ways
- Membership is open to organizations of eligible persons.
- Membership is open to persons retired as pensioners or annuitants.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Arh Federal Credit UnionMain office3805 W Cumberland Ave, Middlesboro, KY 40965Directions
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 | 26.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.27% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio26.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.27%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ 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 ARH 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.