Since our humble beginnings in the 1970's, our Goal is to provide our members with Efficient, Quality Financial Services and Policies that will treat ALL Members Fairly. Our primary (core) memberships are employees, doctors, medical staff and technicians of Appalachian Regional Hospitals and related medical affiliates who work in Kentucky, Virginia and West Virginia. Our second major group are “Select Employee Groups” employees (currently over 80) ranging from city employees, mining employees, various small businesses and manufacturing employees who work in the southern eastern part of Kentucky. Our third major group includes anyone who lives, works , worships or attending school in Bell county. Also, spouses of persons who died while in the field of membership; employees of this credit union; persons retired as pensioners or annuitants; members of their immediate families (parents, brothers, sisters, aunts , uncles, grandparents, etc.) and organizations of such persons. We offer a variety of financial products and services with competitive rates on similar products available at other types of financial institutions.