The Appalachian Community Federal Credit Union is a personal loan from Appalachian Community Federal Credit Union. The ongoing APR is As low as 9.75% (Personal Loans, 6 - 60 months; Rates effective as of 10/18/2026). Typical credit limit: With loan amounts between $500-$20,000, and terms up to 60 months*. Loan terms: terms up to 60 months*.