Clinchfield Federal Credit Union

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A short history of Clinchfield FCU

Since its inception in 1947 the Clinchfield Federal Credit Union has been serving its members in the Erwin, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Sandy Lingerfelt, the Clinchfield FCU has grown its membership to over 6,240 with assets of more than $82,139,090. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (423) 743-9192 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Erwin, TN.

General Information For Clinchfield FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 5549
Address P.O. Box 310 
City Erwin 
State Tennessee 
Zip-Code 37650
Phone Number (423) 743-9192
Fax Number (423) 743-6156
Email Address: none
CEO/President Sandy Lingerfelt
Members 6,240 
Full-Time Employees 20 
Part-Time Employees
Number of Branch Offices
Total Assets 82,139,090 

Compare Clinchfield Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Mountain States CU Mountain States Credit Union 400 N State of Franklin Rd 37604 (423) 431-6361 No 15.79
Select Seven CU Marketplace Blvd 181 Marketplace Dr 37602 (423) 282-0671 No 17.00
Greater Eastern CU Jonesborough Office 363 Forest Cir 37602 (423) 283-6871 No 17.96
Greeneville Works Empls. Sav. Assn. CU Greeneville Works Empls C U 2745 Snapps Ferry Rd 37744 (423) 783-0337 No 18.60
Consumer CU Jefferson City Service Center 1075 N Chucky Pike 37760 (865) 475-2874 No 18.94

Clinchfield Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Clinchfield Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 4.21 6.50 4.36 4.29
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 306 499 188 138
Rank Among All Tennessee Credit Unions 19 58 69 32 14

Clinchfield Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.28 N/A 0.96 1.07
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 90 N/A 181 150
Rank Among All Tennessee Credit Unions N/A 8 N/A 14 10
Clinchfield Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900348734,618
All Other Unsecured Loans/Lines of Credit 10.1609863,014,478
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.2105329,744,210
Used Vehicle Loans 6.5006244,546,176
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.36041928,632,224
Total Other Real Estate Loans/Lines of Credit 4.290551,389,233
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0601821,545,865
TOTAL LOANS & LEASES 3,14649,606,804

Clinchfield Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 626,121,632101,491,885
    b. 15 Years or less 2148,806,7287469,300
    a. > 15 years 858,856,1523468,400
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 362,044,73021881,041
Adjustable Rate > 1 yr 222,802,98200


Closed-End Fixed Rate 21322,18400
Closed-End Adjustable Rate 584,50900
Open-End Adjustable Rate 29982,54017214,248
Open-End Fixed Rate 0000
TOTALS 47430,021,457583,524,874


Interest Only & Payment Option 1st Mortgage Loans 341,955,109881,041
Interest Only & Payment Option Other RE/LOC Loans 00214,248
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Clinchfield Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes