#Student Checking Accounts are here!

Call us at 800-378-3778 for details about Student Checking with ACFCU.

True Mobile Banking is here!

It's here, it's free, and it keeps you informed on the go. Just log in from your mobile phone: http://mobile.myacfcu.com

For more information, contact us at (800) 378-3778.

ETSU Students returning soon!

It's that time of year again...we see students out buying microwaves, reserving their books at the Buc Bookstore, and soon classes will be in full swing and students will be swarming the campus! We're excited to see them return and have the activity in Johnson City pick up...we've missed them!

So, in appreciation of our college neighbors and their faculty and staff, we'd like to offer anyone with a valid student ID a free checking account. From now until the end of October if you come with a student/staff/faculty ID from ETSU or Milligan, we'll open a checking account for HALF THE NORMAL OPENING DEPOSIT! For only $25 you can start a checking account that gives you free checks, free Visa Check Card (which earns bonus points!), free direct deposit, free online banking, free online bill pay, no minimum balance and access to over 37,000 surcharge-free ATM's nationwide!

Did we mention all the free stuff?????? Come in TODAY to find out the benefits of being a credit union member versus typical "banking".

(800) 378-3778

Locations in Johnson City, Kingsport, Rogersville, Norton (VA) and coming soon to Unicoi, TN

Banks make me laugh sometimes...

I was watching television the other night, and a commercial from a major bank came on that made me chuckle. One of the largest banks in the country is advertising "green" banking, as if "green" was a new concept altogether. They advertise online banking, e-statements (paperless), online bill pay and other features that help save the environment by going paperless.

Let's see...how many banks and credit unions have these services? Hmmmm....well, ALL OF THEM.

ACFCU has all of these, and then some, including some brand new products on the horizon that go many steps further in growing and continuing the education process of finances with our members.

Here's an idea: How about an advertisement that says "we care", and then actually going that extra step to really care? Think about it--does your bank really, really care? And if they do, how can they explain taking the profits they make from YOU, THE CUSTOMER, and giving them to the stockholders and not YOU, THE CUSTOMER?

Be an owner. Join Appalachian Community Federal Credit Union. Call us at (800) 378-3778 and ask for the branch nearest you.

Credit Unions VS Banks....

Do you REALLY think banks are superior to Credit Unions? Really? It probably looks that way because they have one on every corner, right? Sure, that makes them successful...right?

Or, are you paying for that overhead? Think about it! Every time you pass another branch of your bank, do you think "wow, that's convenient" or "did I pay for that with all those fees?".

Convenience lies in internet access and your debit card, not on the bricks and mortar that built all those branches. Do you really need that extra branch?

Think about it, then call us at (800) 378-3778 and ask for the branch nearest you. We'll make you feel like you BELONG.

...and isn't that more important than spending your money on more overhead?

Do you really know what a Credit Union is?

I'm sorry if this seems like a silly question, but some people still don't really know who and what we are. I won't bore you with a long, drawn-out story about the history of credit unions, but I'll give you the skinny: we do everything your bank can do, but we basically do it better and for less money.

For example: your bank, whoever they may be, is "governed" by a board of directors. These guys and gals get paid for making the decisions for the bank, and the decisions may or may not be in YOUR best interest. They're on that board to make money for themselves. A Credit Union has a board of directors, but they serve voluntarily (read: no money!) and make decisions based on the member's needs, and not of their own.

There's that word "member"...why "member and not "customer"? Because you're an owner of the credit union when you put your money in. That's why we call them "share accounts", because you own a share of the credit union with that savings account. You matter to us. Your business matters to us more than you know. We know that if it wasn't for you, the member, we wouldn't have our jobs, and we rely on you to depend on us for your needs.

Best of all, we have better dividend rates on your savings accounts (savings, CD's, IRA's, money markets, etc.) and MUCH better rates on loans. Plus, we don't charge you to keep an account with us. For instance, all of our checking accounts are FREE, and we have several from which to choose.

We have so much to offer, and there's never enough time or space in a blog to explain it all, so why don't you just contact us to find out more? Call us at (800) 378-3778 and ask to speak to someone in the branch nearest you. We have 2 offices in Kingsport, TN, 1 office in Johnson City, TN, 1 office in Rogersville, TN and 1 office in Norton, VA.

Seriously...log off and call us now! You'll be so happy you decided to switch to Appalachian Community Federal Credit Union.