Very nice, polite and professional people work there and they have GREAT rates on vehicle loans, but it's turned out to be very inconvenient to actually pay them. They do not accept automatic debit or any kind of electronic payments - you have to figure out where the post office is, go there and buy stamps, go to your bank and wait in line to get checks printed, and then *hopefully* remember to stick this in your mailbox (which is probably full of spiders this time of year), or actually be available during banking hours to drive down there and go inside or through the window. I hate to say this because they are such great people, but I'm seriously thinking of refinancing just because it's such an inconvenience to make a payment - I'm thinking up to a 1.5% higher interest rate would be preferable to the hassle and inconvenience of archaic billing. And also, it just took 3 tries and 10 minutes to get someone on the phone.
I've been with this bank for years now and never had a problem with them. They are always friendly and helpful.
Don't ever deposit a check at the ATM. There are no funds available immediately, and they put an automatic 2 day hold on it, which can go up to 3 days from my experience. No Android / Apple pay. And no online check deposits either. Very long wait times on the phone. Very inconvenient.
Appalachian Community Federal Credit Union is a US Atm based in Rogersville, Tennessee. Appalachian Community Federal Credit Union is located at 1206 W Main St, Rogersville, TN 37857, USA.
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