Business Details
50+ Years
experience
Your Trusted Credit Union in Franklin, NY
Chen-Del-O Federal Credit Union has served the financial needs of our community since 1954. As a member-owned cooperative, we operate with a unique structure where our members are also our owners, ensuring decisions prioritize community benefit over profit. Our board of directors, composed entirely of unpaid volunteers, guides our operations under federal regulations established by the National Credit Union Administration. We specialize in providing accessible financial services including savings accounts, checking accounts, credit cards, and low-cost loans tailored to meet diverse member needs. Our field of membership extends to Delaware, Otsego, and Chenango Counties in New York, including home-schooled students following state-approved educational plans.Through our commitment to financial education and community development, we foster economic stability for all members. Our services feature multiple security layers, including real-time home banking and electronic statements for convenient account management. We maintain federal insurance through NCUA, protecting member deposits up to $250,000. Our physical location in Franklin, NY, and digital platforms work in tandem to deliver personalized financial solutions. With decades of local expertise and a focus on member satisfaction, we continue strengthening our community through transparent, ethical financial practices.
Services
Share/Savings accounts
Checking accounts
Credit/Debit cards
Loan applications
Online banking
Bill payment
Wire transfers
IRA accounts
Holiday loans
Financial education
Details
- Year established: 1954
Highlights and features
- Established in 1954 with deep community roots
- Member-owned cooperative structure prioritizing community benefit
- Volunteer board of directors ensuring transparent governance
- Federally insured deposits up to $250,000 through NCUA
- Specialized financial services for local residents and students
Associations and certifications
- NCUA
Services
Share/Savings accounts
Our share/savings accounts offer secure, federally insured options for building financial stability. Members earn competitive dividends while maintaining easy access to funds. These accounts serve as the foundation for all credit union services, requiring only a $5 minimum deposit to open. Our savings products support emergency funds, long-term goals, and financial growth for individuals and families.
Loan applications
We provide comprehensive loan application services for various financial needs, including personal loans, mortgages, and student loans. Our competitive rates and flexible terms cater to different credit profiles. The application process features personalized guidance from experienced loan officers to help members find appropriate financing solutions that match their financial circumstances.
Online banking
Our online banking platform offers 24/7 account access with multiple security layers for safe, convenient financial management. Features include real-time transfers, bill payment, eStatements, and mobile check deposit. This digital solution reduces branch visits while maintaining full service capabilities through secure, user-friendly interfaces accessible from any internet-connected device.
Financial education
We deliver financial education resources to help members make informed decisions about budgeting, saving, and credit management. Educational materials and personalized guidance cover topics from basic banking to complex financial planning. These services empower members to achieve financial literacy and long-term economic stability through practical, accessible knowledge.
Credit/Debit cards
Our credit and debit card options provide secure, convenient payment solutions with nationwide acceptance. Features include fraud protection, mobile wallet compatibility, and purchase rewards programs. These cards integrate seamlessly with checking accounts for easy fund management while offering the security benefits of chip technology and real-time transaction monitoring.
Questions
How do I become a member of Chen-Del-O Federal Credit Union?
Membership requires living or working in Delaware, Otsego, or Chenango Counties, NY. Home-schooled students following state-approved plans in these counties also qualify. Visit our Franklin office or start the application online.
What loan options are available?
We offer personal loans, mortgages, home equity loans, student loans, and special holiday loans. Competitive rates and flexible terms apply. Contact our loan department for specific details and application assistance.
Are my deposits insured?
Yes, all deposits receive federal insurance through NCUA up to $250,000. This government-backed protection ensures your money remains secure with our credit union.
What digital banking services do you offer?
Our digital services include real-time online banking, mobile check deposit, bill payment, fund transfers, and eStatements. These tools provide 24/7 account access with multiple security layers for safe, convenient management.
What are your branch hours?
We operate Monday-Thursday 8am-4:30pm, Friday 8am-5pm, and Saturday 8:30am-11:30am. The office closes early on Saturdays and observes all major holidays as scheduled.
Reviews (5)
J. D. Crazyx
Jan 05, 2022
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Not made for the public..local people to who have there own need to need life accessibility and no t just anyone can have a bank account...
Mark Bennett
Feb 16, 2021
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We are new to Franklin, and my spouse was in need of a notary. The challenge was that we were emailed the documents to be notarized, yet we don't have a printer. She went to Chen-Del-O on Main Street, and everyone there was very helpful + supportive, even though we are not members. They were able to print out the document for her, execute the notarization, and even scan + email the notarized document back to us. This was above + beyond great service. An excellent experience from first contact by phone to buttoning down the process. Thank you to Emily, Angela + the teller (sorry we did not remember
Bob Loblaw Esq
Dec 13, 2020
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Ive been a customer of Chen-del-o since I was teenager. They have always taken care of me and my family. Its nice that theres still businesses out there actually cares to help their customers, and treats them as people not just a bottom line, in a world where that is is increasingly rare. They are always pleasant, and willing to find avenues to help. It is a fantastic organization.
Robert Finnegan
Jul 27, 2019
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Have been a member of Chendelo FCU since the 1970s. We have always had exceptional service. Needed withdrawals are always received in the mail within a few days. Personable staff make having a savings account here a pleasurable experience.
Jim Pierce
Jun 20, 2019
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The customer service is personable and attentive to the needs of the individual. Always a pleasure to stop in. Your not just an account number,
