Clinchfield Federal Credit Union

Overview / Commentary
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 1,775th largest credit union in the nation. It was established in 1947 and as of December of 2019, it had grown to 21 employees and 6,124 members at 1 location. Clinchfield Federal Credit Union has an A 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.
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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

NCUA #5549
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD4.79%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$85.9MM$82.3MM
LoansQ4 2019vs Q4 2018$54.8MM$53.1MM
DepositsQ4 2019vs Q4 2018$73.8MM$71.0MM
Equity CapitalQ4 2019vs Q4 2018$11.9MM$11.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$327.00K$320.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$779.00K$886.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$102.00K
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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

0.30%*$100k*-Regular Share Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k
0.30%*$100k*-Christmas Club Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k

Clinchfield Federal Credit Union CD Rates

0.90%$1k$50k60 Month CD
0.80%$1k$50k48 Month CD
0.70%$1k$50k36 Month CD
0.60%$1k$50k24 Month CD
0.55%$1k$50k18 Month CD
0.50%$1k$50k12 Month CD
0.35%$1k$50k6 Month CD
0.30%$1k$50k3 Month CD

Clinchfield Federal Credit Union IRA Rates

0.90%$1k$50k60 Month IRA
0.80%$1k$50k48 Month IRA
0.70%$1k$50k36 Month IRA
0.60%$1k$50k24 Month IRA
0.55%$1k$50k18 Month IRA
0.50%$1k$50k12 Month IRA
0.35%$1k$50k6 Month IRA
0.30%$1k$50k3 Month IRA

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

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