The Clinchfield Federal Credit Union All Credit Levels is a cdfi lender from Clinchfield Federal Credit Union. Rewards: Get up to 0.50% off your loan rate with the use of each of these FREE services (0.10% per service). Loan terms: We offer a variety of Consumer and Real Estate loans.. This product reports activity to your personal credit report. Clinchfield Federal Credit Union is a federally insured credit union located in Erwin, TN, dedicated to providing honest and fair financial services to its members. It serves the local community by offering a range of loans and financial products tailored to meet the needs of its members. Services include: consumer loans, real estate loans. US Treasury certified CDFI Credit Union in Erwin, TN. Membership required.