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Our History, Mission & Team

Our History

Originally formed by the employees of Mead Paper Mill (Domtar) in Kingsport, TN, in 1932, the Appalachian Community Federal Credit Union of today is pleased to serve any persons who live, work, worship or attend school in Carter, Hawkins, Sullivan, Unicoi or Washington Counties, Tennessee, as well as the city of Bristol, TN/VA, the city of Norton, VA, and Wise, Scott and Washington Counties, Virginia.

ACFCU is a safe, sound, strong not-for-profit financial cooperative with each of our members' deposits insured up to $250,000 by the National Credit Union Administration (NCUA)

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Our Mission

We believe our Calling is to strengthen the Appalachian Highlands community through personalized financial solutions.

We follow three simple rules for our members:

  • Always think of our members first
  • Call our members by name, and provide personalized solutions
  • Thank our members for their business, for we would not exist without them

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Our Team

Our goal is for every interaction with ACFCU to delight you and leave you better off than you were before. If you would not recommend us to a family member or friend, then we have not achieved our goal, and we want to hear about it. Contact us and let us know how we're doing.

Meet the Leadership Team

  • Kelly J Smith, President & CEO
    Kelly Smith joined ACFCU in 2018, and assumed responsibilities as President/CEO in May 2019. Smith is a seasoned marketing and strategy executive with over twenty years in the credit union industry. Smith is responsible for assuring the continued success and stability of Appalachian Community Federal Credit Union.
  • Vicki Gobble, Chief Operations Officer/Chief Financial Officer
    Vicki Gobble is a key leader on the ACFCU team, serving as both Chief Financial Officer and Chief Operations Officer. Gobble joined ACFCU in June 2019 and brings many years of experience in nearly every operational area of financial services, from compliance and accounting, to strategy and service.
  • Nikki Greene, Vice President, Information Technology
    As the newest addition to our executive team, Nikki Greene joined ACFCU in March 2020 and brings a workhorse, no-nonsense approach to solving all technology challenges. She also has extensive experience in business, leadership, training and service.
  • Andrew J. Mullins III, Chief Lending Officer
    With almost 40 years of lending experience in Southwest Virginia and Northeast Tennessee, Andy joined the ACFCU team in August of 2020. Having served on the management teams of two local community banks during the past two decades, he brings a wealth of experience in most all aspects of today’s financial services industry. Andy, along with the rest of the lending team is dedicated to ensuring that the ACFCU membership receives the highest level of service available while helping them meet their financial goals.