Credit union · NCUA insured
Clinchfield Federal Credit Union Savings Rates
Clinchfield Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Regular Share Account. Rates checked October 15, 2026.
How Clinchfield Federal Credit Union’s savings 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
0.30%APY
- Minimum
- $25
- Earns on $10,000 a year
- $30
Regular Share Account
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
TEN Credit Union
1.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $150
Clinchfield Federal Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Account
0.30%APY
Must maintain a $25 minimum balance to retain member status and eligibility for credit union services. Dividends paid on average daily balance of $25 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends credited quarterly. Minimum balance of $25 required to earn dividends. | 0.30% | — | Dividends credited quarterly. Minimum balance of $25 required to earn dividends. |
| $10,000 – $25,000Dividends credited quarterly. | 0.30% | $30 | Dividends credited quarterly. |
| $25,000 – $50,000Dividends credited quarterly. | 0.30% | — | Dividends credited quarterly. |
| $50,000 – $100,000Dividends credited quarterly. | 0.30% | — | Dividends credited quarterly. |
| $100,000 and upDividends credited quarterly. | 0.30% | — | Dividends credited quarterly. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Account
0.30%APY
Funds are automatically transferred the first week of November into checking or savings account specified. A $5 minimum balance is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends credited quarterly. Balances same as Regular Share Accounts.$5 and up | 0.30% | $30 | Dividends credited quarterly. Balances same as Regular Share Accounts. |
Sources (2)
All 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.