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Arh

3805 Cumberland Ave, Middlesboro, KY 40965
NCUA Insured3.5 (28 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1971

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3805 Cumberland Ave

Middlesboro, KY 40965

Service Area

This credit union is located in Middlesboro and serves members in the KY area. Currently serving 3,666 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.99%

Used Auto Loan

8.99%

Personal Loan

13.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in KY

Lowest rates currently reported by credit unions in KY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.5

28 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Emily Mason

Emily Mason

7 months ago

Almost every employee I’ve ever spoken to at this bank, in person or over the phone has been rude & negative when talking to them. Trying to get any information or solving problems is unbelievably difficult at this bank.

CowCountryVintageSewing MachinesAndRestoration

CowCountryVintageSewing MachinesAndRestoration

a year ago

Friendly staff, and lovely updated location. Occasionally an empty ATM, but the staff tries to address it promptly. Nice hometown feeling, and a huge PLUS over conventional banks! Stop in and see what they can do for you.

Kathy Hatfield

Kathy Hatfield

a year ago

I have been with this bank for yrs , the staff is the greatest always very helpful . Even when I moved I kept this bank because of the staff and how great they treat you . Big shout out to Tonya who is always there to help me when I need it thank you guys .

patsy sullivan

patsy sullivan

2 years ago

Been with them for years. I do not like they cut their hours at all. 8-4 maybe but not 9-4. A lot of people swing by on way to work or are use to morning banking first

Tiffany Baker

Tiffany Baker

4 years ago

UNREAL can not believe they r a real bank and continue to b. I have had $ missing from my account on several occasions and no one knows n e thing about it or how it got gone from the start and I have had so much trouble being able to access my account on line that its not funny. I have had my password changed so many times and still to this day i continue to be locked out of my account on line and I to this day still await a statement either via USPS or via e mail. With that been said I cant show that I actually have $ missing only have my personal homemade check/bank book and believe me when i say I DO NOT MISS COUNT MONEY...

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).