Loans For Any Need

Appalachian Community Federal Credit Union continues to focus on providing members with the most competitive loan rates and products available. We believe in "Building Financial Relationships One Member at a Time!®" by delivering fast, friendly and personalized service that fits your lifestyle.

Loan Products:

 Mortgage Request Button

To apply for a mortgage loan call 800-378-3778 or visit a branch

Having trouble getting a loan because of a low credit score? Let us help you improve your credit score and lower your monthly payments. Call today for a FREE Financial Assessment!

View our current Consumer Loan interest rates.

For Commercial/Business Loans & Services, visit our Business Solutions center.

New & Used Autos

Get pre-approved at ACFCU for your next auto loan and take advantage of our great rates and flexible terms. Finance values are determined by the National Automobile Dealers Association (NADA).

Recreational Vehicles

ACFCU offers loans  with a variety of terms and competitive rates on new and used motor-homes, boats, ATVs, jet skis and motorcycles under 800ccs as well as other recreational vehicle loans.

Loan Protection

ACFCU members can have peace of mind in the event that the unexpected occurs. We offer affordable, low-cost loan protection where the premium is based on the declining balance of the loan.
Life Protection
The protection available for both the primary borrower and co-borrower.
Disability Protection
The protection available for the primary borrower.
Involuntary Unemployment Protection
The protection is available for the primary borrower only.
Guaranteed Auto Protection (GAP)
GAP helps cover the difference between the actual cash value of the vehicle (primary insurance company settlement) and the outstanding loan balance at the time of loss.
      Benefits to the Borrower:
  • Cost to borrower is minimal
  • Helps eliminate "out-of-pocket" expense for remaining loan balance after primary loss settlement.
  • Helps protect credit rating
  • Helps borrower to purchase replacement vehicle
  • The borrower is eligible for the $1,000 GAP Plus Enhanced Benefit if the collateral is deemed a total loss and the borrower finances a replacement vehicle with ACFCU within 90 days of the GAP claim being processed
Vehicle Service Contract (VSC)
With a Vehicle Service Contract, you can add protection against the unexpected high cost of vehicle repairs and, in some cases, eliminate the cost altogether. Give your vehicle a new lease on life with an extended warranty.
 Looking to save money on auto insurance? Get a Free Quote from ACIA today!

Personal Loans

Personal loans are available to be used for whatever you desire. Perhaps you're ready to take your dream vacation or want to reduce your monthly bills, consolidating them into one convenient payment. A low rate personal loan may be the right answer.

Ready Ca$h Loans

Enjoy the security of knowing cash is available for those unexpected expenses that come along. The Ready Cash Loan is a personal line of credit up to $5,000 that can also be used in conjunction with your checking account to assure that inadvertent overdrafts are automatically covered. With an established credit line, you don't have to make a new loan application each time you need to borrow.

Share & Term Share Certificate Loans

If you need to establish credit or you need to make a purchase without using your savings or incurring a penalty for early withdrawal from a share certificate, a  certificate secured loan from ACFCU is a great option. With a share or term share certificate secured loan, you may borrow against your savings at ACFCU and receive a low-rate loan while still earning interest on your deposits.

ACFCU VISA® Platinum Choice Credit Card

with UChoose Rewards®

With ACFCU VISA® Platinum Choice Credit Card, buy the things you need, and earn points towards things you want with these added benefits!

  • No Annual FeePlatinum Choice Credit Card
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Earn Points for Purchases with UChoose Rewards®
  • Online Payment Options
  • 24/7 Fraud Monitoring
  • No Minimum Finance Charge
  • Access your transactions and balances 24/7 thru myACFCU online

UChoose RewardsEarn points redeemable for concert tickets, a new HDTV, a fun-fill cruise, and millions of other exciting options!

 UChoose How it Works


 Sign up today, and start earning points. Click here to get registered!


For more information about ACFCU's VISA® Platinum Choice Credit Card, View our VISA Matrix for rates and disclosures.

If you don't have an ACFCU VISA® Platinum Choice Credit Card in your wallet, Click Here! to apply today or call 800-378-3778.

To report a lost or stolen card or to activate your ACFCU VISA Platinum Choice Credit Card dial 1-800-378-3778 Option #4, anytime 24/7.

ACFCU Home Loan Center

There's no place like home. Let us help you get there!House

If you are interested in a tailor-made program and are looking for exceptional mortgage expertise, please call us today at 423-230-2600 for a personalized, no obligation consultation or to obtain a  free pre-approval within 24 hours.

We offer a wide variety of mortgage loans including:

FIXED RATE LOANS -10, 15, 20 , and 30 year fixed mortgages are available with up to 97%  financing when eligibility is met.

ADJUSTABLE RATE LOANS- ARMs offer short term fixed rate options amortized over 15- 30 yrs. Some ARM programs can adjust annually after the initial term while others may only adjust every 3-5 years.

CONSTRUCTION – We are interested in helping make your dreams come true building a home. Our construction loan is structured for a 12 month, interest only period. We have construction loans which mature in 12 months. We also offer Construction to Permanent loans with only one closing.

FHA – Federal Housing Administration, 3.5% down payment, allows up to 6% seller concessions to apply to buyers closing cost/prepaids.  Gift funds are allowed. Maximum Loan to Value is 96.50%

VA LOANS – Veterans Administration Loans offer no down payment (100% financing), low closing cost, allow up to 4% seller concessions to be applied to buyers closing cost/prepaids.

USDA –Rural Housing Guaranteed Program offers up to 100% financing available in eligible areas, allows up to 4% seller concession to be applied to buyers closing cost/prepaids

80/20 (100% Financing)- Conventional loan with no PMI and no down payment!

Call Us Today!


Appalachian Community Title Agency

Americans have the future in mind when they buy a house.  They purchase homeowners insurance to help protect that future. But with home-ownership comes the need to protect the property against the past as well as the future.

Title insurance protects a policyholder against challenges to rightful ownership of real property, challenges that arise from circumstances of past ownerships. Each successive owner brings the possibility of title challenges to the property. 21 Reasons for Title Insurance

Appalachian Community Title Agency is proud to offer title insurance underwritten by Fidelity National Title. When you purchase your property, rely on Appalachian Community Title Agency to protect your interests. You will be insured by a company backed by a long history of title operations.

Jack Page, Underwriter



Appalachian Community Title Agency, LLC (ACTA) is an independent agency offering title insurance underwriting services. While ACTA’s offices are located in certain branches of Appalachian Community Federal Credit Union, ACTA’s title insurance products are not sold by, or products of, Appalachian Community Federal Credit Union and are not insured by any federal agency. Acceptance of title insurance products through ACTA will not affect or influence a member’s loan decision, rate, or terms with Appalachian Community Federal Credit Union.

Looking to save money on your Home Insurance? Get a Free Quote from ACIA today!

Home Buyers Education Workshop

Learn to navigate your path to home ownership at The American Dream workshop, a homebuyer education program. Come and learn to budget, shop and secure a loan for your new home! Limited Seating is Available, Register Today!

Dates and Locations 

For more information on upcoming Home Buyers Workshops please contact us at 423-230-2600







Quarterly Seminars

Topic: When to Start taking your social security benefits?

Date: August 25, 2015 from 5:30p.m.-6:30 p.m.