Loan Products

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.


  • Affordable Payments
  • Competitive Interest Rates
  • No Hidden Costs
  • Payment Protection
  • Convenient Payment Options
  • No Pre-Payment Penalty
  • GAP Options
  • Extended Warranties Available!

Let us help you lower your monthly payments today by contacting a Financial Service Officer for a free financial check-up!

To view our current interest rates on consumer loans Click Here!

For Commercial/Business Loans Click Here! to check out our Business Solutions center.

New & Used Autos

With so many different car loan options available today, buying a car can be confusing and frustrating. You can be pre-approved for your next vehicle purchase! This gives you buying power at the dealership and provides peace of mind. ACFCU offers great rates with flexible terms that will compete with any other program. Finance values are determined by the National Automobile Dealers Association (NADA).

Having trouble getting a car loan because of bad credit history and a lower credit score? At ACFCU we pride ourselves on helping you improve your credit score so you can get into the car you want. Call us today for your free credit score checkup!

Apply now at any of our branches, by phone at 800-378-3778, or apply online:

New Car Loan                                                     Used Car Loan

Recreational Vehicles

ACFCU offers new and used Motor-homes, boats, ATVs, Jet Ski's and motorcycles under 800ccs as well as other recreation vehicle loans with a variety of terms and competitive rates.

RV Loan          

Loan Protection

ACFCU members need loan protection to provide peace of mind in the event that the unexpected occurs.

Life Protection

The protection available for both the primary borrower and co-borrower.

Disability Protection

The protection available for both the primary borrower.

Involuntary Unemployment Protection

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 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 they finance their replacement vehicle with ACFCU within 90 days from the GAP claim being processed

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.

Personal Loan

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 do a new loan application each time you need to borrow.

 Ready Cash Loan

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.


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

Welcome to the ACFCU Home Loan Center. Are you looking to purchase a home? Are you interested in refinancing your existing mortgage? We invite you to discover what other members have come to enjoy and expect from our home loan professionals. You will experience outstanding personal service, exceptional financial solutions and a dedicated commitment to identify the mortgage that's right for your specific situation.

In today's economic environment, home loan options are constantly changing. Therefore, it is more important than ever to find a mortgage professional who will take the time to listen to your needs, discuss all of your options and help you find the best program.

With over one hundred years of combined experience, Appalachian Community Federal Credit Union's mortgage professionals will help make buying or refinancing simple and enjoyable. We will meet with you at your convenience because we value your time.

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 upfront 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 month. 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
    • THDA – Offered in combination with insured loans through FHA, VA, USDA and conventional loans. THDA mortgages are intended for low and moderate income homebuyers. A borrower's household income cannot exceed certain limits. The income limits are based on the size of the household and county in which the property is located. Grants are available up to 4% of the purchase price to be applied to down payment and closing cost. Seller concessions are acceptable based on program guidelines. First time home buyer may apply, or buyer cannot have owned property in the last 3 years.

Appalachian Community Title Company

We Hope You Never Have A Title Claim

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

When you purchase real property, rely on Fidelity National Title to protect your interests. You’ll be insured by a company backed by a long history of successful title operations.

Rely On Fidelity National Title To Protect Your Investment

Every owner, purchaser and beneficiary, whether by a deed or contract, should have an insured title. The entire investment depends upon the quality of the title. If you are buying real estate mortgages, you are paying for a good title and you should see that you have one. If either fire insurance or title insurance is omitted, your security is not complete.

Our title property protects you against unforeseen defects in title that an abstract or the public records do not show and cannot show…nor any attorney’s opinion includes.

We Invite You to Call Today

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.


Home Loan Center Professionals

Rachael Carroll
Racheal Carroll
AVP of Real Estate Lending
NMLS# 103095
423-378-2806 (direct) 423-340-1280 (cell)
  • Over 19 years experience in real estate lending
  • Certified mortgage consultant
  • Specializing in jumbo mortgages
  • Licensed in Tennessee and Virginia
  • Certified USDA/Rural Development. THDA, VA and FHA
Penny Pavitt
Penny Pavitt
Home Loan Originator
NMLS # 779477
423-378-2824 (direct) 423-470-9659 (cell)


  • Over 16 years of real estate market experience
  • NMLS Certified
  • Licensed in Tennessee and Virginia
  • Certified USDA/Rural Development. THDA, VA and FHA


Haley Burleson
Home Loan Originator 
423-378-2847 (direct) 423-416-3567
  • Over 2 of real estate market experience
  • NMLS Certified
  • Licensed in Tennessee and Virginia
  • Certified USDA/Rural Development. THDA, VA and FHA





Homebuyers 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 

October 23rd        ACFCU Community Room
                             5034 Bobby Hicks Hwy.
                             Gray,TN 37615


5:30pm-7:30pm            Click Here to register 


November 18th    Holiday Inn- Norton
                             1051 Park Ave NW
                             Norton, VA 24273

5:30pm-7:30pm            Click Here to register 







October 14th 6:00-7:00 p.m. 2525 Pine Brook Place Kingsport, TN. Call member communications to register.