Facebook About Appalachian Community Federal Credit Union

ATTENTION MEMBERS: As a precaution, beginning Thursday, March 19th, our lobbies will be closed, but all drive-thrus, ATMs and electronic services are fully staffed and operational! Please click here to read the attached message from our President/CEO. We look forward to serving you virtually until the COVID-19 threat passes. Stay healthy!

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Appalachian Community Federal Credit Union is committed to building financial relationships that strengthen economically challenged areas through proactive outreach of relevant resources to improve long term financial independence.


Our History

Appalachian Community Federal Credit Union is a federally-insured financial institution established in 1932. Our original mission was to serve the employees of the Mead Paper Mill (currently Domtar) of Kingsport, Tennessee. We were given a community charter in 2001. Today, we serve eight communities in northeast Tennessee, southwest Virginia and eastern Kentucky. In January 2013, our charter was expanded to include anyone who belonged to the non-profit Human Economic Appalachian Development Corporation.


Our Mission

Appalachian Community Federal Credit Union uses community and economic development to improve the financial health of people and businesses who lack adequate access to capital, high quality financial services and financial coaching in Southeast Kentucky, Northeast Tennessee, and Southwest Virginia.

What is a CDFI?

Community Development Financial Institutions are mission-driven financial institutions that are dedicated to providing financial services to meet the needs of economically disadvantaged individuals within underserved communities. We invest in local communities who need financial services which may be unavailable to them. As a CDFI, we are certified by the U.S. Department of the Treasury. To qualify, we must have a primary mission of promoting community development, providing financial products and services, serving one or more defined low-income target markets, maintaining accountability to the community we serve and being a legal non-governmental entity.

As a CDFI, we must have a mission that serves low income communities. We are a part of a national network promoting economic growth in America’s underserved communities. Appalachian Community Federal Credit Union puts the community first and values local economic growth.

Board of Directors

Appalachian Community Federal Credit Union's Board of Directors is composed of volunteer credit union members, elected by the membership, whose main responsibilities and decisions benefit all who belong to the credit union. These individuals give their time and expertise to oversee the growth and prosperity of the credit union.

Please Join Us!
88th Annual Membership Meeting

Thursday, April 2, 2020 – 5:30pm
ACFCU Community Room
5034 Bobby Hicks Hwy
Gray, TN, 37615

The Nominating Committee has nominated Ms. Patricia Patterson and Mr. James B. Oakes to fill two open seats on our Board of Directors. There will be no nominations from the floor. Each nominee will be declared elected by acclamation.


Board of Directors

  • Joe Boggs, Chairperson
  • Alex Castro, Vice Chair/Treasurer
  • Paul Montgomery, Secretary
  • Trish Patterson
  • J.B. Oaks

Supervisory Committee

  • Trish Patterson, Committee Chairperson
  • Jewel McKinney

Executive Team

  • Kelly J. Smith, President & CEO
  • Vicki Gobble, COO/CFO
  • Rob McFarland, CLO

Annual Member Impact Reports

Annual Report 2018 


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