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Clinchfield Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.11%5-year CD60 Month CD
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.45%1-year CD12 Month CD
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.25%SavingsRegular Share Savings Account
1.00% - Ally Bank Online Savings AccountAdvertisement
View all Clinchfield Federal Credit Union rates »

Overview / Commentary
www.clinchfieldcu.com
423-743-9192
1038 N Main Ave
Erwin, TN 37650

Clinchfield Federal Credit Union is headquartered in Erwin and is the 39th largest credit union in the state of Tennessee. It is also the 1,772nd largest credit union in the nation. It was established in 1947 and as of June of 2016, it had grown to 20 employees and 6,271 members at 1 location. Clinchfield Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Unicoi County, parts of Washington County, Sullivan County, Carter County or Johnson County in Tennessee or parts of Madison or Mitchell County in North Carolina. Also open to employees of several Select Employee Groups.
See current membership details

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Health
A

Data as of Q2 2016

Learn more about bank health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Clinchfield Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #5549
Year Chartered1947
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD3.84%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$82.3MM$78.1MM
LoansQ2 2016vs Q2 2015$49.1MM$49.3MM
DepositsQ2 2016vs Q2 2015$72.1MM$68.2MM
Equity CapitalQ2 2016vs Q2 2015$10.0MM$9.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$287.00K$193.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$405.00K$684.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Clinchfield Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$15k*-Regular Share Savings Account
OTHER TIERS: 0.10% → $250 - $1k | 0.15% → $1k - $5k | 0.20% → $5k - $15k
0.25%*$15k*-Christmas Club Account
OTHER TIERS: 0.10% → $250 - $1k | 0.15% → $1k - $5k | 0.20% → $5k - $15k

Clinchfield Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%*$50k*-60 Month CD
OTHER TIERS: 1.00% → $1k - $50k
1.00%*$50k*-48 Month CD
OTHER TIERS: 0.90% → $1k - $50k
0.85%*$50k*-36 Month CD
OTHER TIERS: 0.75% → $1k - $50k
0.70%*$50k*-24 Month CD
OTHER TIERS: 0.60% → $1k - $50k
0.45%*$50k*-12 Month CD
OTHER TIERS: 0.40% → $1k - $50k
0.45%*$50k*-18 Month CD
OTHER TIERS: 0.40% → $1k - $50k
0.30%*$50k*-6 Month CD
OTHER TIERS: 0.25% → $1k - $50k
0.20%$1k-3 Month CD

Clinchfield Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%*$50k*-60 Month IRA
OTHER TIERS: 1.00% → $1k - $50k
1.00%*$50k*-48 Month IRA
OTHER TIERS: 0.90% → $1k - $50k
0.85%*$50k*-36 Month IRA
OTHER TIERS: 0.75% → $1k - $50k
0.70%*$50k*-24 Month IRA
OTHER TIERS: 0.60% → $1k - $50k
0.45%*$50k*-12 Month IRA
OTHER TIERS: 0.40% → $1k - $50k
0.45%*$50k*-18 Month IRA
OTHER TIERS: 0.40% → $1k - $50k
0.30%*$50k*-6 Month IRA
OTHER TIERS: 0.25% → $1k - $50k
0.20%$1k-3 Month IRA
Locations


Clinchfield Federal Credit Union Locations
Branch Office1038 N Main AveErwin, TN 37650