Your Family is Our Family!

Loan Rates


Consumer Loans
Effective Date: September 25, 2017

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

110% financing available. No minimum loan amount
24 Months 2.25% - 10.25%
36 Months 2.99% - 10.99%
48 Months 3.25%- 11.25%
60 Months 3.49% - 11.49%
72 Months 3.75% - 11.75%
84 Months 3.99% - 11.99%
Used Auto Loans
Models 6 to 10 years old

110% financing available.

Loan amt. must be over $15,000 to qualify
24 Months 2.25% - 10.25%
36 Months 3.50% - 11.50%
48 Months 3.75% - 11.75%
60 Months 3.99% - 11.99%
72 Months* 4.25% - 12.25%
Used Auto Loans
Models 11 – 19 years old

110% 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 3.75% - 11.75%
36 Months 5.50% - 13.50%
48 Months 6.75%- 14.75%
60 Months 7.99% - 15.99%
New Recreational Equipment Loans
Models 5 years or newer

110% of NADA value based on age of recreational equipment
24 Months 2.99% - 10.99%
36 Months 4.25% - 12.25%
48 Months 4.50% - 12.50%
60 Months 4.75% - 12.75%
72 Months 4.99% - 12.99%
84 Months 5.25% - 13.25%
New Camper/Motorhome Loans
Models 5 years or newer

*Must be over $30,000 to qualify
**Must be over $50,000 to qualify
110% financing available based on age of camper/motorhome.
24 Months 2.99% - 10.99%
36 Months 3.75% - 11.75%
48 Months 3.99% - 11.99%
60 Months 4.25% - 12.25%
72 Months 4.50% - 12.50%
84 Months* 4.75% - 12.75%
120 Months** 5.75% - 13.75%
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 Up to 60 Months +2.00% above Share
CD Secured Up to 60 Months +2.00% above CD
Signature / Co-Signer 24 months 8.49% - 16.49%
36 months 9.25% - 17.25%
48 months 9.89% - 17.89%
60 months 10.00% - 18.00%
Rates quoted are our best rates and subject to change without notice. Restrictions may apply.
Mortgage Loans
Effective Date: September 25, 2017

Each member's interest rate is based on his/her individual credit score.
Mortgage Loan Type Term Rate APR*
First Mortgage - Fixed 10 year 3.25% - 5.75% 3.53% - 6.05%
First Mortgage - Fixed 15 year 3.50% - 6.00% 3.70% - 6.21%
First Mortgage - Fixed 20 year 3.99% - 6.49% 4.14% - 6.66%
First Mortgage - Fixed 30 year 4.25% - 6.75% 4.36% - 6.88%
First Mortgage - ARM (25/5/1) 25 year 3.20% - 5.70% 3.65% - 6.14%
First Mortgage - ARM (30/5/1) 30 year 3.25% - 5.75% 3.68% - 6.18%
First Mortgage - ARM (25/5/5) 25 year 3.30% - 5.80% 3.69% - 6.19%
First Mortgage - ARM (30/5/5) 30 year 3.40% - 5.90% 3.73% - 6.24%
First Mortgage - ARM (25/10/5) 25 year 3.50% - 6.00% 3.561% - 6.065%
First Mortgage - ARM (30/10/5) 30 year 3.60% - 6.10% 3.637% - 6.143%
Second Mortgage - Fixed 5 year 4.25% - 6.75% 4.62% - 7.13%
Second Mortgage - Fixed 10 year 5.00% - 7.50% 5.20% - 7.71%
Loan Type Term Rate APR*
HELOC - Home Equity Line of Credit * 4.25% - 6.75%  
HELOC Interest Rates may vary monthly based on Wall Street Prime (WSP) interest rate published The Wall Street Journal
Construction Loan Same terms and interest rates as First Mortgage Loans. See Loan Department for details.
Land - Fixed 10 year 7.50% - 10.00% 7.71% - 10.22%

*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 quoted 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.

CLINCHFIELD FCU NMLS# 681713
MARY LOU HATFIELD MLO# 732743
EVELYN LANE VAN DYKE MLO# 732742
JESSICA LYNNE GRINDSTAFF MLO# 1646358

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