Business Details
50+ Years
experience
Your Community-First Financial Partner in Chillicothe
Chivaho Federal Credit Union has been dedicated to empowering members through accessible financial services since 1948. Founded by seven visionaries with a $5 investment, we remain a member-owned, not-for-profit institution committed to building community wealth. Our personalized approach ensures every member receives tailored solutions, from savings and loans to digital banking tools. With deep roots in Ross County, Ohio, we serve VA Medical Center employees and residents through competitive rates, low fees, and a focus on financial education.Governed by a volunteer board, we prioritize transparency, community reinvestment, and member satisfaction. Our digital innovations, including biometric login and remote deposit capture, reflect our commitment to modern convenience without sacrificing personal service. As a NCUA-insured credit union, we combine institutional strength with localized expertise to deliver trusted financial partnerships.
Services
Savings Accounts
Auto Loans
Mortgage Loans
Digital Banking
Credit Cards
Personal Loans
Certificates
Student Loans
ATM Services
Financial Education
Details
- Year established: 1948
Highlights and features
- We offer personalized financial solutions tailored to your needs.
- Our competitive rates include 4.99% APR auto loans and 3.49% CD rates.
- We provide 24/7 digital banking with biometric security features.
- Our member-owned structure prioritizes your financial success over profits.
- We combine 75+ years of local expertise with modern banking technology.
Services
Mortgage Loans
We offer comprehensive mortgage solutions including conventional, FHA, and VA loans with competitive fixed rates. Our local professionals guide members through home purchase or refinance processes with low closing costs. With terms up to 30 years, we help make homeownership accessible while maintaining personalized service throughout the loan lifecycle.
Auto Loans
Our auto loan program features rates starting at 4.99% APR for qualified borrowers, with no payments for the first 90 days. Available for both new and used vehicles, we offer same-day approvals and flexible terms up to 84 months. Members benefit from extended warranty options at dealer cost and pre-approval assistance to strengthen purchasing power.
Savings Accounts
We provide multiple savings options including Early Bird Savings Clubs, Money Market accounts with tiered rates up to 2.50% APY, and IRAs. Our Diamond Share Money Market offers competitive rates for balances starting at $1,000, while the Early Bird program rewards consistent savers with special rates for maintaining minimum balances.
Digital Banking
Our enhanced digital platform includes biometric login, text alerts, and streamlined remote deposit capture. Members can manage accounts, pay bills, and access 24/7 audio teller services through our mobile app. The system supports real-time transaction monitoring and secure messaging for convenient financial management anytime, anywhere.
Personal Loans
We offer unsecured personal loans up to $25,000 with terms up to 48 months and rates starting at 10.99% APR. The Here for You Loan program provides $3,500 at 5.99% APR for 24 months with no collateral required. Applications can be completed online, by phone, or in-branch with fast approval processes.
People
Laura A Roberts
CEO
Laura A Roberts leads Chivaho Federal Credit Union with over 25 years of community banking experience. She champions member-centric service and financial education initiatives while overseeing strategic growth across Ross County.
Questions
How can I become a member of Chivaho Federal Credit Union?
Membership is open to anyone living, working, or worshiping in Ross County, Ohio, plus VA Medical Center employees and their families. Visit our Chillicothe branch to apply.
What loan options are available for first-time homebuyers?
We offer conventional, FHA, and VA mortgage programs with competitive rates, low closing costs, and personalized guidance from our local mortgage professionals.
Do you offer online account management tools?
Yes, our digital banking suite includes biometric login, mobile check deposit, bill pay, and real-time account monitoring accessible 24/7 through our mobile app.
What savings accounts have the best interest rates?
Our Diamond Share Money Market offers tiered rates up to 2.50% APY for balances over $100,000, while the Early Bird Savings Club rewards consistent savers with special rates.
Are my deposits insured at Chivaho Federal Credit Union?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional coverage available through the Share Insurance Coverage Enhancement Program.
Reviews (4)
D. G.
Jan 31, 2022
Report
Get with 2022 and register with PayPal, also, if I want a spending limit set I should have to ask for it not be told, its such a hassle to call in and raise it everytime I have a large expense. Last time I tried to raise it I was put on hold 3 times in a row due to being transferred to the one specific employee who could do such a task. I believe its time for me to find a different credit union.
Employees are extremely nice and helpful, if youre 50+ and still write checks at the grocery store, this credit union is for you.
Employees are extremely nice and helpful, if youre 50+ and still write checks at the grocery store, this credit union is for you.
Lorie Cremeans
Feb 21, 2021
Report
Laura Roberts helped me through my second home purchase was there when I needed her even went to closing with me top notch service went above and beyond to help me highly recommend them
Ronnie Hodge
Nov 15, 2020
Report
I see people have just a few complaints, understand that this is a credit union bank. Hands-down the absolute best that I have ever dealt with. Very professional, Respectful and polite! I have been banking here for a while and can honestly say I have not had any bad experiences whatsoever, definitely nothing to complain about thank you for your service!
Nicholas Ryan
Nov 08, 2019
Report
Hands down the worst bank on the face of the earth. 3 weeks for a debit card. No phone number to be found for the bridge st location.