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Chen-Del-O Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.chendelo.org
607-829-3560
114 MAIN ST
FRANKLIN, NY 13775

Chen-Del-O Federal Credit Union is headquartered in FRANKLIN and is the 155th largest credit union in the state of New York. It is also the 2,818th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 7 employees and 2,802 members at 1 location. Chen-Del-O Federal Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Chen-Del-O Federal Credit Union is open to employees, students, and retirees of all public, private and parochial schools of Delaware, Otsego and Chenango Counties (NY), 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
B+

Data as of Q1 2025

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 Chartered1954
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD2.31%
Return on Equity - YTD19.66%
Annual Interest Income$389K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$33MM$31.7MM
LoansQ1 2025vs Q1 2024$8.1MM$8.8MM
DepositsQ1 2025vs Q1 2024$29.2MM$28.4MM
Equity CapitalQ1 2025vs Q1 2024$3.8MM$3.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$105K$81K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$24K$43K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.13%*$5k*-Regular Share Account
OTHER TIERS: 0.06% → $100 - $5k
0.13%*$5k*-Holiday Club Account
OTHER TIERS: 0.06% → $100 - $5k
0.13%*$5k*-Club Account
OTHER TIERS: 0.06% → $100 - $5k
0.13%*$5k*-Youth Account
OTHER TIERS: 0.06% → $5 - $5k

Chen-Del-O Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$500-12 Month Share Certificate
4.00%$500-24 Month Share Certificate
3.75%$500-6 Month Share Certificate
3.75%$500-18 Month Share Certificate
3.00%$500-36 Month Share Certificate

Chen-Del-O Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$500-12 Month IRA Certificate
4.00%$500-24 Month IRA Certificate
3.75%$500-6 Month IRA Certificate
3.75%$500-18 Month IRA Certificate
3.75%$0-IRA Share Account
3.00%$500-36 Month IRA Certificate
Locations


Chen-Del-O Federal Credit Union Locations
Branch Office114 MAIN STFRANKLIN, NY 13775

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