Now Lending for Certain Rental Properties! 

Property Types Include:

• A house or mobile home (not the primary residence)
• An apartment or condomininium (up to 4 units)
• Unimproved land zoned for 1-4 family residential use

See one of our mortgage lenders for details and qualification requirements! Restritions may apply.

The deed to the property must be in an individual's name.

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Get up to 0.50% off your loan rate with the use of each of these FREE services (0.10% per service):

• Checking Account with recent transactions
• One Direct Deposit
• E-Statements
• One Auto-Draft (such as phone bill)
• 12 Mo. Good Pay History with CFCU
• CFCU Credit Card
• Christmas Account
• Certificate or IRA Account
• Long standing member (20 years or more)
• Mortgage Loan (if member has mortgage product it automatically qualifies for the full $0.50% discount)

Loyalty Rates listed assumes full 0.50% discount. Interest Rates listed are our best rates and subject to change without notice. See loan officer for specific qualifications.

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Get money for school from Sallie Mae^®

Sallie Mae^® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

• Competitive interest rates
• Multiple repayment options
• No origination fees; no prepayment penalty¹
• Smart Option Student Loan® for Undergraduate Students
• Parent Loan
• Plus, a suite of graduate loans to pay for expenses included in your school's cost of attendance and designed for your specific degree

Find out which loan is right for you www.salliemae.com/smartoption/clinchfieldcu

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Clinchfield Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Smart Option Student Loan and graduate loan products: This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Parent Loan: This information is for borrowers with students attending degree-granting institutions only. The student is not eligible to be a borrower or cosigner and must be attending or have attended a participating school during an eligible prior enrollment period, or be enrolled in an eligible study abroad program. The borrower, cosigner and student must be U.S. citizens or permanent residents. The school may refund loan funds directly to the student, and if that occurs, borrower and cosigner (if applicable) would still be responsible for repaying that amount to Sallie Mae. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

¹ Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2018 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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Courtesy Pay

Starting July 16, 2018, we will be offering Courtesy Pay. Most of us have found ourselves facing an occasional cash shortfall, be it the result of a checkbook error or an unexpected bill. If you have ever accidentally bounced a check or had a declined debit card, it can be an embarrassing experience! Courtesy Pay is intended to cover these situations, along with many others, up to $250 ($30 fee per transaction). You may be eligible for Courtesy Pay if you are at least 18 years of age, your account has been open for at least ninety (90) days, and you maintain your account in good standing, which includes but is not limited to:

• Make regular deposits and bringing the account to a positive balance at least every 30 days;
  
  
• Have a valid address;
  
  
• Have signed an Overdraft Protection Opt-In Form with the Credit Union;
  
  
• Not have caused a loss to the Credit Union;
  
  
• Do not have a (any) delinquent loan(s) with the Credit Union.

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Mobile App

Now you can access everything you need from Clinchfield FCU by downloading our FREE app from your Apple and Android app stores! From Mobile Banking to Rates to Loan Request and more, it's all there at your fingertips!

• Check your balance
• Make transfers
• Check interest rates
• Make a loan request
• Find ATM locations
• Make check deposits from your phone!*

*Requires prior approval.

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