Credit union · NCUA insured
Clinchfield Federal Credit Union Credit Card Rates
Clinchfield Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Clinchfield Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Johnson City, TN, where Clinchfield Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Clinchfield Federal Credit Union
9.90%APR
- Up to
- 12.90% APR
Visa Rewards Credit Card
Lowest rate
United Southeast Federal Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Appalachian Community Federal Credit Union
9.80%APR
- Up to
- —
Clinchfield Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Clinchfield Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Rewards Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–12.90% | None | No annual fee. |
| Intro, 6 months | 2.99% | None | 2.99% balance transfer rate for six months. No balance transfer fees. No annual fee. |
Sources (1)
- clinchfieldcu.com/loans-creditcards.htm · captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.