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Loan Rates


Consumer Loan Best Rates
Effective Date: July 5, 2019

Each member's interest rate is based on his/her individual credit history.
Loan Type Term Loyalty Rate* Standard Rate
New Auto Loans
Models 5 years or newer

125% financing available. No minimum loan amount
24 Months 2.75% 3.25%
36 Months 3.00% 3.50%
48 Months 3.25% 3.75%
60 Months 3.49% 3.99%
72 Months 3.75% 4.25%
84 Months 4.00% 4.50%
Used Auto Loans
Models 6 to 10 years old

125% financing available.

72 mo. is $15k minimum
24 Months 2.75% 3.25%
36 Months 3.49% 3.99%
48 Months 3.75% 4.25%
60 Months 4.00% 4.50%
72 Months 4.25% 4.75%
Used Auto Loans
Models 11 – 19 years old

125% financing available of NADA clean retail/trade-in. Photos may be required on vehicles older than 15 years.

See loan department for models over 20 years and for classic cars.
24 Months 5.25% 5.75%
36 Months 5.99% 6.49%
48 Months 6.75% 7.25%
60 Months 7.00% 7.50%
New Recreational Equipment Loans
Models 5 years or newer

110% of NADA value based on age of recreational equipment
24 Months 3.49% 3.99%
36 Months 4.25% 4.75%
48 Months 4.49% 4.99%
60 Months 4.75% 5.25%
72 Months 5.00% 5.50%
84 Months 5.25% 5.75%
New Camper/Motorhome Loans
Models 5 years or newer

84 Mo. is $30K minimum
120 Mo. is $50K minimum
110% financing available based on age of camper/motorhome.
24 Months 3.49% 3.99%
36 Months 3.75% 4.25%
48 Months 4.00% 4.50%
60 Months 4.25% 4.75%
72 Months 4.49% 4.99%
84 Months 4.75% 5.25%
120 Months 5.75% 6.25%
Used Recreational Equipment Loans
Used Camper/Motorhome Loans

110% of NADA value based on age of recreational equipment

Restrictions may apply based on Model Years & Amount Financed; Photos may be required

Lawn/Farm Equipment may require outside appraisal
-Add 1% to new rates for Models 6-10 years

-Add 3% to new rates for Models over 10 years
Share Secured Loans Up to 60 Months +2.00% above Share
Share Certificate Secured Loans Up to 60 Months +2.00% above Certificate
Signature / Co-Signer Loans 24 months 8.00% 8.50%
36 months 8.49% 8.99%
48 months 9.25% 9.75%
60 months 10.00% 10.50%
* Loyalty Rate assumes full 0.50% discount. See more details here. All Interest Rates listed are our best rates and subject to change without notice. Member's rate may vary depending upon his/her credit history. See loan officer for specific qualifications. Other restrictions may apply.

Real Estate Loan Best Rates
Effective Date: July 5, 2019

Each member's interest rate is based on his/her individual credit history.
Mortgage Loan Type Term Loyalty*w/APR Standard w/APR
First Mortgage - Fixed 10 year 2.95% / 3.23% 3.45% / 3.73%
First Mortgage - Fixed 15 year 3.25% / 3.44% 3.75% / 3.95%
First Mortgage - Fixed 20 year 3.60% / 3.75% 4.10% / 4.26%
First Mortgage - ARM (25/5/1) 25 year 3.25% / 3.56% 3.75% / 3.88%
First Mortgage - ARM (30/5/1) 30 year 3.60% / 3.70% 4.10% / 4.20%
First Mortgage - ARM (25/5/5) 25 year 3.40% / 3.63% 3.90% / 4.01%
First Mortgage - ARM (30/5/5) 30 year 3.70% / 3.80% 4.20% / 4.30%
First Mortgage - ARM (25/10/5) 25 year 3.55% / 3.68% 4.05% / 4.17%
First Mortgage - ARM (30/10/5) 30 year 3.75% / 3.90% 4.25% - 4.35%
Second Mortgage - Fixed 5 year 4.95% / 5.33% 5.45% / 5.83%
Second Mortgage - Fixed 10 year 5.69% - 5.89% 6.19% - 6.39%
Loan Type Term Loyalty*w/APR Standard w/APR
HELOC - Home Equity Line of Credit Variable Rate tied to Wall Street Journal Prime
Construction Loans Same terms and interest rates as First Mortgage Loans. See Loan Department for details.
Land / Vacant Property Loans 10 year Fixed 5.95% / 6.15% 6.45% / 6.65%
15 year Fixed 6.45% / 6.59% 6.95% / 7.10%
Investment / Rental Property Loans 10 year Fixed 3.95% / 4.24% 4.45% / 4.74%
15 year Fixed 4.25% / 4.45% 4.75% / 4.95%

*APR (Annual Percentage Rate) is based on $100,000 loan amount for an 80% LTV purchase, and reflects an 0.75% origination fee. Interest rates listed are our very best rates and subject to change without notice. 100% financing available for those who qualify. Member’s rate may vary depending upon his/her credit history. Some restrictions may apply.

* Loyalty Rate assumes full 0.50% discount. See more details here. All Interest Rates listed are our best rates and subject to change without notice. Member's rate may vary depending upon his/her credit history. See loan officer for specific qualifications. Other restrictions may apply

CLINCHFIELD FCU NMLS# 681713
MARY LOU HATFIELD MLO# 732743
JESSICA LYNNE GRINDSTAFF MLO# 1646358

Contact the Credit Union for additional information and rates on other available accounts: 423-743-9192


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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

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