Loan Rates
Consumer Loan Rates
Rates effective as of June 21, 2022 and are subject to change. Rate based on credit approval.| Loan Type | Term | Loyalty Rate* | Standard Rate |
|---|---|---|---|
| New Auto Loans Models 5 years or newer 125% financing available. No minimum loan amount |
24 to 84 Months | As low as 2.45% |
As low as 2.95% |
| Used Auto Loans Models 6 to 10 years old 125% financing available. |
24 to 72 Months | As low as 2.45% |
As low as 2.95% |
| Used Auto Loans Models 11 to 19 years old 125% financing available. See loan department for models over 20 years and for classic cars. |
24 to 60 Months | As low as 3.20% |
As low as 3.70% |
| New Recreational Equipment Loans Models 5 years or newer |
24 to 84 Months | As low as 2.70% |
As low as 3.20% |
| New Camper/Motorhome Loans Models 5 years or newer |
24 to 180 Months | As low as 2.70% |
As low as 3.20% |
| Used Recreational Equipment/ Camper/Motorhome Loans | See Loan Dept | ||
| Share Secured Loans | Up to 24 Months | +2.00% above Share Rate | |
| Share Certificate Secured Loans | Up to 60 Months | +2.00% above Certificate Rate | |
| Signature / Co-Signer Loans | Up to 60 months | As low as 8.35% |
As low as 8.85% |
| * 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 Rates
Rates effective as of July 7, 2022 and are subject to change. Rate based on credit approval.| Mortgage Loan Type | Term | Loyalty*w/APR | Standard w/APR |
|---|---|---|---|
| First Mortgage Loans Fixed Rate |
10 - 20 years | As low as 4.30% / 4.54% |
As low as 4.80% / 5.05% |
| First Mortgage Loans Adjustable Rate |
25 & 30 years | As low as 3.95% / 4.65% |
As low as 4.45% / 4.86% |
| Second Mortgage Loans Fixed Rate |
5 & 10 years | As low as 6.30% / 6.73% |
As low as 6.80% / 7.24% |
| Loan Type | Term | Loyalty*w/APR | Standard w/APR |
| HELOC Home Equity Line of Credit Loans |
See Mortgage Department for Variable Rate tied to Wall Street Journal Prime | ||
| Construction Loans | Same terms and interest rates as First Mortgage Loans. See Mortgage Department for details. | ||
| Land / Vacant Property Loans Fixed Rate |
10 & 15 years | As low as 7.30% / 7.56% |
As low as 7.80% / 8.07% |
| Investment / Rental Property Loans Fixed Rate |
10 & 15 years | As low as 5.30% / 5.56% |
As low as 5.80% / 6.06% |
|
*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
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Routing Number: 264278872
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