Founded more than 65 years ago, Athens Federal Community Bank is a provider of personal banking products. The company serves the Tennessee counties of McMinn, Monroe, Meigs and Polk. The bank s personal banking products include free and interest-bearing checking accounts, savings accounts, certificates of deposit and individual retirement accounts. In addition, the company offers a broad range of loan products, including consumer loans for automobiles, boats, vacations, recreational vehicles, home improvement, debt consolidation, electronic equipment, lawn and garden equipment and college tuition; mortgages with fixed and adjustable rates; home equity lines of credit; land-only real estate transactions; balloon loans; and real estate refinancing. Athens Federal Community Bank is headquartered in Athens, Tenn.