Home Equity
Home Equity Loans
5 to 10 Year Fixed Rate
- 80% loan-to-value financing based on appraised value
- Simple interest
- No prepayment penalty
- $100 Document Preparation Fee for new loans
- Must be primary residence
Home Equity Line of Credit - "HELOC"
5 or 10 Year Draw Period/10 Year Principal and Interest Payback Period
- 80% loan-to-value financing based on appraised value
- Prime interest rate based on Wall Street Journal – Is subject to change monthly
- Interest rate based on credit score
- $100 Document Preparation Fee for new loans
- Must be primary residence
- $20,000 or more credit limit and CU pays most of the closing costs
- Great for unplanned emergencies, school tuition, remodeling, etc.
Vacant Property Loans
10 Year Fixed Rate
- 75% loan-to-value financing based on appraised value
- Simple interest
- No prepayment penalty
- $100 Document Preparation Fee for new loans
Contact Us
For general questions, information concerning our products and services, or problems with the website or home banking:Phone: (423) 743-9192 Fax: (423) 743-6156
Clinchfield Connection Voice Response: (800) 724-7442
Routing Number: 264278872
More Contact information. Read our Privacy Notice
Read the Fair Housing Act Disclosure
Read the Home Equity Disclosure
View our Sitemap. Read our Accessibility Statement
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Your Savings Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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