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.
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
- 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 $1,000 GAP Plus Enhanced Benefit if the collateral is deemed a total loss and the borrower finances a replacement vehicle with ACFCU within 90 days of the GAP claim being processed
Personal loans are available to be used for whatever you desire. Perhaps you're ready to take your dream vacation or want to reduce your monthly bills, consolidating them into one convenient payment. A low rate personal loan may be the right answer.
Ready Ca$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 Fee
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
Earn points redeemable for concert tickets, a new HDTV, a fun-fill cruise, and millions of other exciting options!
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!
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!
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 Nation 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.
We Invite You to Call Today
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.
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
2015 Workshop dates and locations coming soon!