Chen-Del-O Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.80%	1-year CD	2.75% - Goldman Sachs Bank USA High-yield 12 Month CD
0.15%	Savings	2.20% - Barclays Online Savings Account
1.30%	3-year CD	1.87% - National Average

View all Chen-Del-O Federal Credit Union rates »

Overview / Commentary

www.chendelo.org

800-462-0320

114 MAIN ST
FRANKLIN, NY 13775

Chen-Del-O Federal Credit Union is headquartered in FRANKLIN and is the 162^nd largest credit union in the state of New York. It is also the 3,068^th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 6 employees and 3,308 members at 1 location. Chen-Del-O Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees, students and retirees of all public, private and parochial schools of Delaware, Otsego and Chenango Counties, State University of New York, Delhi, Springbrook, Youth Leadership Academy, Mountainside Residential Care Center, Margaretville Hospital, Village of Franklin Employees, Town of Franklin Employees, Utica School of Commerce, Hartwick College, O'Connor Division of Bassett Hospital, BOCES Groups in Otsego-Northern Catskill, Stamford, Delaware-Chenango, Norwich.
See current membership details

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Health

Data as of Q4 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Chen-Del-O Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	9517
Year Chartered	1954
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	4.8%
Annual Interest Income	$760.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$25.7MM$25.9MM
Loans	Q4 2018vs Q4 2017	$9.1MM$9.2MM
Deposits	Q4 2018vs Q4 2017	$23.1MM$23.4MM
Equity Capital	Q4 2018vs Q4 2017	$2.6MM$2.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$98.00K$95.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$167.00K$152.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Chen-Del-O Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%	-	-	IRA Share Account
0.15%^*	$5k^*	-	Regular Share Account
OTHER TIERS: 0.10% → $100 - $5k
0.15%^*	$5k^*	-	Holiday Club Account
OTHER TIERS: 0.10% → $100 - $5k
0.15%^*	$5k^*	-	Club Account
OTHER TIERS: 0.10% → $100 - $5k
0.15%^*	$5k^*	-	Youth Account
OTHER TIERS: 0.10% → $5 - $5k

Chen-Del-O Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%	$500	-	36 Month Share Certificate
1.10%	$500	-	24 Month Share Certificate
0.95%	$500	-	18 Month Share Certificate
0.80%	$500	-	12 Month Share Certificate
0.60%	$500	-	6 Month Share Certificate

Chen-Del-O Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.30%	$500	-	36 Month IRA Certificate
1.10%	$500	-	24 Month IRA Certificate
0.95%	$500	-	18 Month IRA Certificate
0.80%	$500	-	12 Month IRA Certificate
0.60%	$500	-	6 Month IRA Certificate

Locations

Chen-Del-O Federal Credit Union Locations
Branch Office	114 MAIN ST	FRANKLIN, NY 13775

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