The Clinchfield Federal Credit Union is a auto loan from Clinchfield Federal Credit Union. The ongoing APR is New Vehicle Loans 36-84 Months 4.90% - 13.10%; Used Vehicle Loans (Models 6 to 10 years old) 36-72 Months 5.15% - 13.25%; Used (Models 11 to 19 years old) 24-60 Months 6.05% - 15.15%.