Elkhart, IN 46514


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 5422
Date Established 1947
Assets $90.35 million
Loans $45.57 million
Deposits $75.57 million
Capital $13.38 million

Chiphone is an NCUA insured institution located in Elkhart, IN. It was founded in 1947 and has approximately $90.35 millions in assets.

Field of Membership Restrictions

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

Deposit Rates - September 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $2,500 $29,999 Learn MoreShow Less
Fixed IRA
0.40% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.20% $500 - Learn MoreShow Less
6 Mo CD
0.30% $500 - Learn MoreShow Less
12 Mo CD
0.40% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.70% $500 - Learn MoreShow Less
36 Mo CD
1.21% $500 - Learn MoreShow Less
48 Mo CD
1.61% $500 - Learn MoreShow Less
60 Mo CD
1.92% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less

Loan Rates - September 20, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,108 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

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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:

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
3.65% 6.77

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 31, 2019, Chiphone had $490,134 in non-current loans and $24,330 in owned assets. To cover these potential losses it had $13,382,164 in net worth and $704,135 in loans loss reserves. That gives it a Texas Ratio of 3.65%.

Net Worth
Chiphone U.S. Average
14.81% 13.47%

Chiphone FCU has a net worth of 14.81% versus the BestCashCow average of 13.47. 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 $13.38 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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