The APPALACHIAN COMMUNITY FCU All Credit Levels is a cdfi lender from APPALACHIAN COMMUNITY FCU. The annual fee is $0. The ongoing APR is 5.55 %. Rewards: ACFCU offers competitive rates, exceptional service, and a commitment to building lifetime relationships with its members.. This product reports activity to your personal credit report. Appalachian Community Federal Credit Union (ACFCU) is a member-owned financial institution located in Gray, TN, dedicated to providing accessible financial products, services, and education to enrich the lives of its members. ACFCU serves individuals who live, work, worship, or attend school in several counties across Tennessee, Virginia, and Kentucky. Services include: personal loans, auto loans, home loans, toy loans. US Treasury certified CDFI Credit Union in Gray, TN. Membership required.