Credit union · NCUA insured
Clinchfield Federal Credit Union CD Rates
Clinchfield Federal Credit Union’s best CD rate is 3.65% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Clinchfield Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Johnson City, TN, where Clinchfield Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Clinchfield Federal Credit Union
3.65%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $365
Share Certificate
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
2nd-highest rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Clinchfield Federal Credit Union CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Clinchfield Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.65%APY · 8 terms
Minimum deposit of $1,000.00. Dividends credited monthly. Automatically renewed unless specified otherwise. Early withdrawal penalty applies: 30 days dividends for 3 months, 90 days dividends for 6-24 months, 180 days dividends for 36-60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.60% | $89 |
| 6 months | 3.60% | $178 |
| 12 months | 3.65% | $365 |
| 18 months | 3.65% | $552 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.60% | $1,934 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.65%APY · 8 terms
Minimum deposit of $1,000.00. Dividends credited monthly. Early withdrawal penalty applies: 30 days dividends for 3 months, 90 days dividends for 6-24 months, 180 days dividends for 36-60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.60% | $89 |
| 6 months | 3.60% | $178 |
| 12 months | 3.65% | $365 |
| 18 months | 3.65% | $552 |
| 24 months | 3.60% | $733 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.60% | $1,934 |
Sources (1)
- clinchfieldcu.com/rates-cd-ira.htm · captured Sep 18, 2026
Who can join Clinchfield Federal Credit Union
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.
Membership information collected October 5, 2026.