Credit union · NCUA insured
Clinchfield Federal Credit Union
A $138.5M credit union headquartered in Erwin, TN, with 6,530 members and 1 branch in Tennessee. Best rates: CDs 3.65% and savings 0.30% APY.
Clinchfield Federal Credit Union Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#8 of 20 in Johnson City, TN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Clinchfield Federal Credit Union
Founded in 1947 in Erwin, Tennessee, Clinchfield Federal Credit Union began as a financial cooperative for Clinchfield Railroad workers to provide low-cost lending.
After expanding to area groups and becoming low-income designated in 2009, it attained Community Development Financial Institution (CDFI) certification in 2017 to foster community growth.
- Headquarters
- 1038 N Main Ave, Erwin, TN 37650
- NCUA charter
- 5549
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, attend school, or operate a business in all of Unicoi County, parts of Washington County, Sullivan County, Carter County, Johnson County, or parts of Madison and Mitchell Counties in North Carolina.
Employers and groups
- Membership is open to individuals employed by or retired from one of the credit union's Select Employee Groups.
Military, government and schools
- Membership is open to employees or retirees of participating local and federal government or educational bodies in the Select Employee Groups.
Family and household
- Membership is open to family members (spouse, child, sibling, parent, grandparent, or grandchild) of an existing CFCU member.
Branches
1 branch in Tennessee
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Tennessee
1 branch
- Main BranchMain office1038 N Main Ave, Erwin, TN 37650Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.07% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio12.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.07%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Clinchfield Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.