The Chen-Del-O Federal Credit Union is a federally organized cooperative, composed of people with a common bond of employment. The members are the owners of the Credit Union. They elect a Board of Directors who determine the policies under which the credit union operates according to rules established by the National Credit Union Administration, a federal agency.
We are pleased to welcome into our field of membership home schooled students in Delaware, Otsego or Chenango Counties, New York, who follow an individualized home instruction plan meeting state requirements! Please tell your neighbors, friends and relatives! Members of the Board of Directors and all committee members are volunteers who serve without pay.
We are pleased to welcome into our field of membership home schooled students in Delaware, Otsego or Chenango Counties, New York, who follow an individualized home instruction plan meeting state requirements! Please tell your neighbors, friends and relatives! Members of the Board of Directors and all committee members are volunteers who serve without pay.
Services
Share / Savings accounts
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The dividend rate is declared periodically by the Board of Directors after providing for expenses and reserves. Dividends are paid at a rate competitive with other financial institutions. Our youth accounts offered here, are a great way for your children to save and get established with a financial institution, and it's FREE to open one!
Checking accounts
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We offer checking accounts with no minimum balance or monthly fees and the first book of checks is free!. The Credit Union provides a monthly statement of transactions so you may regularly reconcile your account. There will be a $30.00 fee for returns against your account. Our partners at Main Street, Inc will make the process of getting new checks easy and quick.
Credit / Debit cards
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We also offer Student Mastercards (and debit cards), with a parent signing as guarantor and credit limit of $1,000.00. If you wish to check your balance or talk with a Credit Card Representative after office hours please call 1-800-872-1712. There are no "monthly fees" associated with our debit card.
Direct deposit / Payroll deductions
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Have your whole or partial paycheck directly deposited into your account at Chen-Del-O! We can also set up payroll deductions so your paycheck can go to your loan payment, checking, club account, share savings account, or any other account you hold here. Please contact us for directions on how to get this set up today!
Mobile Deposits
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Make Deposits from anywhere your phone will take you with our Chen-Del-O FCU Mobile Homebanking APP. Select the account you would like it deposited to (can only be a share draft or share account & once it is deposited to your account you can transfer it to make loan payments or deposits to clubs etc.).
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