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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 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
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%
* 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 December 28, 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
5.49% / 5.75%
As low as
5.99% / 6.26%
First Mortgage Loans
Adjustable Rate
25 & 30 years As low as
5.65% / 5.76%
As low as
6.15% / 6.25%
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
7.15% / 7.43%
As low as
7.65% / 7.94%

*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
Text: (423) 743-9192
Fax: (423) 743-6156
Clinchfield Connection Voice Response: (800) 724-7442

Routing Number: 264278872

More Contact information.
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NCUA
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.

Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

America's Credit Unions

US Department of the Treasury Certified CDFI
U.S. Department of the Treasury CERTIFIED CDFI - CDFI Fund - Financial Institutions Fostering Community Growth

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