Clinchfield Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.22%5-year CD60 Month CD
1.11%1-year CD12 Month CD
0.30%SavingsRegular Share Savings Account

Overview / Commentary
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 1,793rd largest credit union in the nation. It was established in 1947 and as of June of 2018, it had grown to 21 employees and 6,137 members at 1 location. Clinchfield Federal Credit Union's CD rates are 23% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Clinchfield Federal Credit Union offers membership to those who attend school, work, worship, operate a business or live in Unicoi County, Carter or Johnson Counties, and parts of Washington County in Tennessee, select areas of Madison or Mitchell Counties in North Carolina; and employees and retirees of Select Employee Groups and family of CFCU members are eligible.
See current membership details

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Health
B+
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
Employees21
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD5.36%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$83.9MM$82.1MM
LoansQ2 2018vs Q2 2017$51.5MM$49.6MM
DepositsQ2 2018vs Q2 2017$73.0MM$71.7MM
Equity CapitalQ2 2018vs Q2 2017$10.7MM$10.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$306.00K$291.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$905.00K$651.00K
Real Estate OwnedQ2 2018vs Q2 2017$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
2.22%*$50k*-60 Month CD
OTHER TIERS: 2.12% $1k - $50k
1.92%*$50k*-48 Month CD
OTHER TIERS: 1.82% $1k - $50k
1.61%*$50k*-36 Month CD
OTHER TIERS: 1.51% $1k - $50k
1.41%*$50k*-24 Month CD
OTHER TIERS: 1.31% $1k - $50k
1.11%*$50k*-12 Month CD
OTHER TIERS: 1.01% $1k - $50k
1.11%*$50k*-18 Month CD
OTHER TIERS: 1.01% $1k - $50k
0.70%*$50k*-6 Month CD
OTHER TIERS: 0.60% $1k - $50k
0.60%*$50k*-3 Month CD
OTHER TIERS: 0.50% $1k - $50k

Clinchfield Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.22%*$50k*-60 Month IRA
OTHER TIERS: 2.12% $1k - $50k
1.92%*$50k*-48 Month IRA
OTHER TIERS: 1.82% $1k - $50k
1.61%*$50k*-36 Month IRA
OTHER TIERS: 1.51% $1k - $50k
1.11%*$50k*-12 Month IRA
OTHER TIERS: 1.01% $1k - $50k
1.11%*$50k*-18 Month IRA
OTHER TIERS: 1.01% $1k - $50k
0.70%*$50k*-6 Month IRA
OTHER TIERS: 0.60% $1k - $50k
0.60%*$50k*-3 Month IRA
OTHER TIERS: 0.50% $1k - $50k
Locations


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

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