CHIPHONE

Headquarters

710 N WILDWOOD AVE
Elkhart, IN 46514
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.95% →
1-Year CD 0.45% 1.01% →
2-Year CD 0.65% 0.95% →
5-Year CD 1.01% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

Chiphone is an NCUA insured institution located in Elkhart, IN. It was founded in 1947 and has approximately $89.76 millions in assets.

NCUA Insured Yes
Charter Number # # 5422
Date Established 1947
Assets $89.76 million
Loans $47.48 million
Deposits $74.44 million
Capital $14.33 million
 

Field of Membership Restrictions

Membership is open only to members and employees of the select employment group.

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.45% $2,500 $2,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.01% $100,000 $199,999 Learn More

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CHIPHONE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.554% 2.500% 0.75 $1,770 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.539% 2.500% 0.50 $1,304 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to CHIPHONE
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Chiphone branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Chiphone Locations


Financial Details

Chiphone Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Chiphone. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Chiphone U.S. Average
3.41% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Chiphone had $476,198 in non-current loans and $36,051 in owned assets. To cover these potential losses it had $14,328,547 in net worth and $685,937 in loans loss reserves. That gives it a Texas Ratio of 3.41%.

Net Worth
Chiphone U.S. Average
15.96% 13.61%

Chiphone FCU has a net worth of 15.96% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Chiphone

Branches and Savings

What is Chiphone?

A federal credit union, registered with the NCUA under certificate #5422.
Learn more about credit unions here.

Is Chiphone FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Chiphone?

Please see Field of Membership information above for information on who is eligible to join.

What are Chiphone's share account and share certificate rates?

Chiphone's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Chiphone?

Chiphone has total capital of $14.33 million. Full information on Chiphone's financial position is located above.

Who owns Chiphone?

Credit Unions are owned by their members.

Where are Chiphone branches located?

See branch locations nearby.

Are Chiphone ATMs Open 24/7?

Do Chiphone ATMs accept cash deposits?

Can Chiphone customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Chiphone have a mobile app?

Does Chiphone have mobile deposit?

Does Chiphone have quick pay?

How can Chiphone transfer money to other banks or credit unions?

Does Chiphone report to credit bureaus?

Does Chiphone use Chexsystems?

Does Chiphone use Equifax?

What is Chiphone's toll free phone number?

What is Chiphone's ACH Routing Number?

What is Chiphone's SWIFT code?

Where can I find Chiphone's wire transfer form?

What is the Chiphone address for deposits?

What Products Does Chiphone Offer

Does Chiphone offer mortgages?

Compare mortgage rates here.

Does Chiphone offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Chiphone offer auto and RV loans?

Compare auto loan rates here.

Does Chiphone offer student loans or personal loans?

Compare personal loan rates here.

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