Local Address: 640 King Edward Avenue - Cleveland, TN 37311  

Signature Loans

Whether you’re planning a family vacation or a home improvement project, Appliance Credit Union can help. We now offer unsecured loans up to $8,000 at 7.99% APR for qualifying applicants. For more information, contact Gayle Cross at 423.479.5511, ext. 104, or apply online today!


Appliance Credit Union VISA Credit Cards!

Apply today for an Appliance Credit Union VISA Credit Card. Qualifying applicants can take advantage of no balance transfer fees and a special introductory rate of 2.9% APR for 6 months. For more information contact Gayle Cross at 423.479.5511, ext. 104. You must be a member of Appliance Credit Union to apply.).


Opt In for Courtesy Pay for Your Debit Card Transactions

If you have a share draft account with us, are a member in good standing with your share draft account open for more than three months, and are 18 or older, you are automatically given Courtesy Pay service on check or ACH transactions. This means your account will be allowed to go negative up to $500 (including fees).

If you would like for us to extend Courtesy Pay to your debit card transactions, contact us about signing an “Opt In” notice to cover those temporary cash shortages. By opting in for Courtesy Pay to cover your debit card, you will no longer suffer the embarrassment of having your card rejected.

Call Cheryl at 423-479-5511, ext. 103 for more information about our Courtesy Pay Program.


We’ve lowered our rates!

Qualified borrowers can now finance a new vehicle for 72 months for as low as 1.99% APR! Our rate for a new car, truck, or van for 84 months is 2.99% APR. We also have used vehicles rates for as low as 1.99% APR for 60 months. If you have already purchased that new vehicle, refinance with us today!

We have also lowered our rates on boat loans. For a limited time, you can finance a new or used boat for 60 months at 2.99% APR. Contact our Loan Department or apply online to see if you qualify for our hot summer rates!


Skip Your Loan Payment!

Need extra cash for the holidays? Members in good standing may skip 2 monthly loan payments in a twelve month period for a fee of $20 per month, per loan. Contact our loan department today to learn more.


Where Members Come First

Appliance Credit Union is committed to providing financial benefits to our members. Our credit union will promote savings, provide valued and expanding financial services and encourage financial stability within the community, while operating in a sound financial manner.

Applying for credit union membership is easy! All it takes is an initial deposit of $5.00 (one share) in your share/savings account which establishes your partial ownership of the credit union and a one time membership fee of $0.25 avails you to all other credit union services. To find out if you are eligible to join our credit union, contact our office today.

Our credit union frequently adds new services, be sure to check this site often for information about all the quality services offered to all our credit union members.


Since 1972

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