Clinchfield Mortgage, Auto Loan, HELOC & Personal Loan Rates & Who Can Join

As of July 10, 2026, Clinchfield offers a ploc_variable mortgage at 11.8% APR (11.8% rate, 0 points). Auto loans available from 4.9% APR. HELOC rates from 6.86% APR. Personal loan rates from 8.49% APR.
Source: RateAPI.dev, verified from Clinchfield's official website

Who Can Join Clinchfield

Membership eligibility from Clinchfield's own published criteria. How we verify this.

Membership via employers (AB & T +43 more)

LocationUnicoi County, Washington County, Sullivan County, Carter County, Johnson County — NC
EmployerAB & T, Allied Universal, Associated Control & Supply, Blue Linx, Brackins Machine Shop, BWXT, Center on Aging and Health, Clinchfield Senior Adult Center, CSX Transportation, Dreicor, Duncan Mechanical, DuraLine, Energy Solutions, Erwin Health Care, Erwin Housing Authority, Erwin National Fish Hatchery, Erwin Paint and Body, Erwin Utilities, Heritage Insurance, Hobby Town USA, Horton Sports Plus, Impact Plastics/Preston Tool, Jet Broadcasting, Mountain Inns & Suites, Re/Max Realty, Roller Pharmacy, Sims Hardwood Flooring, Specialty Tires, Tennessee Abrasives, The Erwin Record, TN Tennessee, Town of Erwin, Tysinger, Hampton & Partners, Unicoi County Board of Education, Unicoi County Chamber of Commerce, Unicoi County Courthouse, Unicoi County Gas Utility District, Unicoi County Health Department, Unicoi County Highway Department, Unicoi County Memorial Hospital, Unicoi County Sheriffs Department, Unicoi Hospital for Animals, United States Postal Service, Unicoi Water Utility District

Verified from Clinchfield's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

ploc_variable

11.800% APR

Rate11.800%

Points0

Line of Credit Loans

Auto Loan Rates

Rates as of July 10, 2026

auto_new_60mo

4.900% APR

Rate4.900%

New Vehicle Loans - Models 5 years or newer

auto_used_120mo

5.150% APR

Rate5.150%

Used Vehicle Loans - Models 6 to 10 years old

auto_new_60mo

5.550% APR

Rate5.550%

New Camper/Motorhome Loans - Models 5 years or newer

auto_new_60mo

5.600% APR

Rate5.600%

New Recreational Equipment Loans - Models 5 years or newer

auto_used

6.050% APR

Rate6.050%

Used Vehicle Loans - Models 11 to 19 years old

HELOC Rates

Rates as of July 10, 2026

heloc_fixed

6.860% APR

Rate6.400%

[PROMOTIONAL] Second Mortgage Loans - Fixed Rate

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured

8.490% APR

Rate8.490%

Signature/Co-Signer Loans

Frequently Asked Questions

What rates does Clinchfield offer?

Clinchfield currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Clinchfield rates updated?

RateAPI verifies Clinchfield's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Clinchfield's rate data?

Rate data is collected directly from Clinchfield's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Clinchfield's mortgage rate?

As of July 10, 2026, Clinchfield offers a ploc_variable mortgage at 11.8% APR.

What is Clinchfield's auto loan rate?

As of July 10, 2026, Clinchfield offers auto loans from 4.9% APR.

Related Rate Data

Compare Clinchfield's rates against national credit-union benchmarks.

More Tennessee credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Clinchfield
curl "https://api.rateapi.dev/credit-unions/tennessee/clinchfield" \
  -H "Authorization: Bearer YOUR_API_KEY"

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