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Appalachian Federal Credit Union was founded on a simple but sound belief—people need access to affordable credit. Only then, can families plan their financial future and work toward their dreams. AFCU is a federally chartered credit union and a member-owned cooperative. Since opening our doors in 1980, our mission is to provide affordable financial services to rural central Appalachia.

We are an affiliate of Appalbanc, an Appalachian community development financial institution, whose primary mission is the promotion of individual and community development in rural and central Appalachia, through financial products developed by Appalachian Federal, the Federation of Appalachian Housing Enterprises (FAHE) and the Human/Economic Appalachain Development Corporation Inc. (HEAD). The real value of Appalbanc lies in the fact that we are a homegrown, locally-controlled and community supported economic development corporation, effectively and successfully pursuing a shared vision of a better life in the Central Appalachian region for all those we serve.

Membership Eligibility

Anyone who works for a non-profit member of the Human/Economic Development (HEAD) Corporation; any individual who joins HEAD, and anyone who lives, works or worships in Jackson, Clinton, Wayne or McCreary counties in Kentucky.

To join, you can download the "Owner's Manual," which includes a membership application, or obtain one from any location. There is a $2.00 joining fee, and you must maintain a $5.00 balance in your share (savings) account.

Membership Owner's Manual
(right-click to download .doc file)

What is HEAD?

HEAD was established in 1974 to serve the Appalachian region of Kentucky, Tennessee, Virginia and West Virginia. HEAD is a regional economic development corporation whose members include individuals and organizations that support its community development efforts in the Appalachian region.