Back to Erwin credit unions

Clinchfield

P.O. Box 310, Erwin, TN 37650
NCUA Insured4.6 (37 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1947

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 310

Erwin, TN 37650

Service Area

This credit union is located in Erwin and serves members in the TN area. Currently serving 6,522 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.20%

Used Auto Loan

7.00%

Personal Loan

11.00%

Credit Card APR

11.26%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.6

37 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Gregory

Gregory

a year ago

This Credit Union has been really good to me and my family. Super friendly people and good rates! My only Bank!

Haley Barnett

Haley Barnett

10 months ago

The people are very nice, but the way this whole company wants to compensate the idea of over drafting by taking extra 10$ a day when it goes over?? Ridiculous!!! I just had to pay my over draft twice in a week because i went over 2$. All this company cares about is extra ways to take someone’s money.

Amber Keller

Amber Keller

a year ago

All they care about is making money off people. You now get charged $10 EVERY SINGLE DAY that your account is in the negative. So if you go over $10 at a store or anywhere, so therefore In just 7 days they will make $70 off of you just for being in the negative. I will be switching to cash app (who never charges you even a cent for going over).

Kristina Lewis

Kristina Lewis

5 years ago

Recently April Simmons took the time to help me with problems I was having with my banking on my phone. I cant thank her enough. She helped me so willingly and politely. Thank you. I have always had outstanding customer service no matter who I dealt with. Kudos to your whole team!!! I love being a member here!

Leslie Black

Leslie Black

3 years ago

My husband & I have been members of Clinchfield Federal Credit Union for years. When it came time to buy a house, they were our first choice & we couldn’t have asked for a better experience. We worked with Jessica & she was phenomenal. She was always willing to answer the phone or meet with us to answer our list of questions as first time home buyers. I highly recommend them for any of your financial needs.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).