Who We Are

Mission Statement

Our Goal is to provide our members with Efficient, Quality Financial Services and Policies that will treat ALL Members Fairly.


On December 11, 1970, fifteen (15) employees of the Appalachian Regional Hospital Association (ARH) filed an application for a federal credit union charter under the direction of Colonel George Murphy, administrator of the Middlesboro ARH Hospital in Middlesboro, Kentucky. The ARH Employees Federal Credit Union was approved on January 4th, 1971 by the National Credit Union Administration. All federal credit unions are “non-profit” financial organizations.

The volunteers organized the Credit Union into two principle bodies. They are (1) A Board of Directors to govern the overall direction and operation of credit union affairs. (2) A Supervisory Committee to audit the credit union records and to verify policies and procedures comply with federal regulations. Members for the Board of Directors are elected by the membership. The Board of Directors appoints members of the Supervisory Committee. These functions are performed by board and supervisory committee without compensation.

During the 70s, ARH Federal Credit Union conducted business from a small office in the Middlesboro ARH Hospital. The office was open four hours a day, five days a week. Ken Buhler served as manager with a staff of one. It’s difficult to believe that we have grown from those humble beginnings into a multi-million dollar credit union, serving members in Kentucky, Tennessee, Virginia, and West Virginia.