Loan Rates
Consumer Loan Rates
Rates effective as of December 28, 2022 and are subject to change. Rate based on credit approval.| Loan Type | Term | Loyalty APR* | Standard APR |
|---|---|---|---|
| New Auto Loans Models 5 years or newer 125% financing available. No minimum loan amount |
24 to 84 Months | As low as 4.35% |
As low as 4.85% |
| Used Auto Loans Models 6 to 10 years old 125% financing available. |
24 to 72 Months | As low as 4.35% |
As low as 4.85% |
| 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 4.90% |
As low as 5.40% |
| New Recreational Equipment Loans Models 5 years or newer |
24 to 84 Months | As low as 4.60% |
As low as 5.10% |
| New Camper/Motorhome Loans Models 5 years or newer |
24 to 180 Months | As low as 4.35% |
As low as 4.85% |
| 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 9.10% |
As low as 9.60% |
|
APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history, underwriting criteria and loan amount. Certain restrictions may apply. |
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Real Estate Loan Rates
Rates effective as of August 16, 2023 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 5.49% / 5.75% |
As low as 5.99% / 6.26% |
| First Mortgage Loans Adjustable Rate |
25 & 30 years | As low as 5.69% / 5.93% |
As low as 6.19% / 6.29% |
| Second Mortgage Loans Fixed Rate |
5 & 10 years | As low as 7.49% / 7.94% |
As low as 7.99% / 8.45% |
| 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 7.99% / 8.26% |
As low as 8.49% / 8.77% |
| Investment / Rental Property Loans Fixed Rate |
10 & 15 years | As low as 7.19% / 7.47% |
As low as 7.69% / 7.98% |
|
*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 Example: 20-year fixed rate loan with Purchase Price of $125,000, with a 20% down payment, and a loan amount of $100,000. Paying an origination fee of .75%. 80%LTV. Annual interest rate of 6.99% and an APR of 7.15% with a monthly principal and interest payment of approximately $775.05 for 240 months. Payment does not include any taxes or insurance premiums. Some 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
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