Miscellaneous Loans

Signature/Co-Maker Loans (Unsecured - Based on Credit)

Up to 60 months financing
Simple Interest

Share Secured

USING MONEY IN YOUR SHARE ACCOUNT AS COLLATERAL FOR A LOAN

Up to 60 months financing
Low interest rate on loan while still earning interest on your share deposit
Simple Interest
Available share balance increases as loan balance decreases
No credit check required

CD Secured

USING MONEY IN YOUR CD AS COLLATERAL FOR A LOAN

Up to 60 months financing – Loan pay off date must coincide with CD maturity date
Low interest rate on loan while still earning dividends on your CD
Simple Interest
Available CD balance increases as loan balance decreases
No credit check required

Construction and Land

Construction Loans - up to 30 years 80% LTV
Land Loans - 10 years 75% LTV
Fixed rate converts to permanent finance

Build Your Credit Loans

Borrow up to $1,000 for up to 12 months using the loan money as collateral for the loan. At the end of 12 months when the loan is paid off, you have established credit and the money in the savings account is yours!

Student Loans

The Smart Option Student Loan® for Clinchfield FCU by Sallie Mae®
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates!

This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more please get started here.

The Smart Option Student Loan features and benefits:

Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
No origination fees and no prepayment penalty
Rewards and interest rate reductions available
Rates that reward creditworthy borrowers
Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
100% US-based Student Loan Specialists

To learn more please get started here.