Our regular savings account is your first step to building a relationship with ACFCU. It is the primary account which establishes membership in the credit union. A minimum deposit of $20 is required to open your ACFCU account and a one-time membership fee of $10. There are no monthly service charges or withdrawal fees.

Money Market Account

An ACFCU Money Market account is an excellent account to save for a major purchase, to save money you plan to invest later or simply enjoy the flexibility of a money market account. Your savings with ACFCU are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

To view our current dividend rates on Savings Accounts

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Club Accounts

Are you planning for a vacation, Christmas or starting that first savings account for a child?  Our club accounts are designed for our ACFCU members to save money for those special occasions during the year.  Automatic transfers or payroll deductions go into your savings club accounts making saving simple and carefree.  Club Accounts require a $5.00 balance to be opened or stay active.

     Christmas Club:  It’s the thought that counts.  Start thinking about Christmas early this year and open up your Christmas Club Account today.  Save now to make this Christmas the most memorable one yet.  Gain access to your club account funds November 1st and let the shopping begin!

     Vacation Club:  Thinking of getting away?  Begin putting aside money now and make saving easy with our higher dividend earning Vacation Club Account.  Open your account today and start saving for the vacation of your dreams!

     Youth Savers Club:  Begin to teach your children fun and exciting ways to establish good savings habits.  They will receive their own membership card and booklet to keep track of their deposits and see their money grow.  They earn a competitive interest rate with dividends paid monthly.  This account is intended for young savers up to the age of 18.

To view our current dividend rates on Club Savings accounts

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Term Share Certificate

A Term Share Certificate is a safe way to invest your money for the future. Terms are available from 6 months to 72 months with highly competitive rates. A minimum deposit of at least $1,000 is required when investing in a Term Share Certificate.

All certificate dividends are paid monthly. You have the option of dividends compounding within the certificate or being transferred to another ACFCU account.

For additional information regarding renewals and withdrawal penalties, please review the disclosures here.

To view our current dividend rates on Term Share Certificates 

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Individual Retirement Accounts (IRAs)

Take advantage of Appalachian Community Federal Credit Union's fixed and variable IRA's offering you an opportunity to save for your future, while providing you with potentially tax-deferred savings benefit. You will like the flexibility of ACFCU's IRA Certificates that let you select a maturity date anytime from six months to sixty months. Open your retirement account today!

RENEWAL: IRA Certificates can automatically renew at maturity or you can request the balance be transferred to another credit union account. You will have 10 calendar days from the date of maturity to redeem or withdraw your IRA certificate. An unredeemed certificate will automatically rollover for the same term at the new rate on its maturity date.

WITHDRAWAL PENALTY: If the account has a term of one year or less, there is a 90 day dividend penalty. If the account has a term of more than 1 year, there is a 180 day dividend penalty. The penalty may reduce the principal.

View our current dividend rates on our IRAs 

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