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Clinchfield Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD60 Month CD
2.25% - Ally Bank High Yield 5 Year CDAdvertisement
0.60%1-year CD12 Month CD
1.50% - Ally Bank No Penalty 11-Month CDAdvertisement
0.30%SavingsRegular Share Savings Account
1.15% - CIT Bank Spring Savings
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 1,804th largest credit union in the nation. It was established in 1947 and as of March of 2017, it had grown to 20 employees and 6,264 members at 1 location. Clinchfield Federal Credit Union has a B+ 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
B+

Data as of Q1 2017

Learn why bank health matters
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 - YTD3.71%
Annual Interest Income$693.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$82.0MM$82.3MM
LoansQ1 2017vs Q1 2016$49.9MM$49.5MM
DepositsQ1 2017vs Q1 2016$71.6MM$72.2MM
Equity CapitalQ1 2017vs Q1 2016$10.2MM$9.9MM
Loan Loss AllowanceQ1 2017vs Q1 2016$297.00K$274.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$352.00K$404.00K
Real Estate OwnedQ1 2017vs Q1 2016$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
0.30%*$15k*-Regular Share Savings Account
OTHER TIERS: 0.15% → $250 - $1k | 0.20% → $1k - $5k | 0.25% → $5k - $15k
0.30%*$15k*-Christmas Club Account
OTHER TIERS: 0.15% → $250 - $1k | 0.20% → $1k - $5k | 0.25% → $5k - $15k

Clinchfield Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$50k*-60 Month CD
OTHER TIERS: 1.41% → $1k - $50k
1.31%*$50k*-48 Month CD
OTHER TIERS: 1.21% → $1k - $50k
1.06%*$50k*-36 Month CD
OTHER TIERS: 0.95% → $1k - $50k
0.90%*$50k*-24 Month CD
OTHER TIERS: 0.80% → $1k - $50k
0.60%*$50k*-12 Month CD
OTHER TIERS: 0.50% → $1k - $50k
0.60%*$50k*-18 Month CD
OTHER TIERS: 0.50% → $1k - $50k
0.45%*$50k*-6 Month CD
OTHER TIERS: 0.35% → $1k - $50k
0.40%*$50k*-3 Month CD
OTHER TIERS: 0.30% → $1k - $50k

Clinchfield Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$50k*-60 Month IRA
OTHER TIERS: 1.41% → $1k - $50k
1.31%*$50k*-48 Month IRA
OTHER TIERS: 1.21% → $1k - $50k
1.06%*$50k*-36 Month IRA
OTHER TIERS: 0.95% → $1k - $50k
0.90%*$50k*-24 Month IRA
OTHER TIERS: 0.80% → $1k - $50k
0.60%*$50k*-12 Month IRA
OTHER TIERS: 0.50% → $1k - $50k
0.60%*$50k*-18 Month IRA
OTHER TIERS: 0.50% → $1k - $50k
0.45%*$50k*-6 Month IRA
OTHER TIERS: 0.35% → $1k - $50k
0.40%*$50k*-3 Month IRA
OTHER TIERS: 0.30% → $1k - $50k
Locations


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