Chen-del-o Credit Union Franklin NY | Best Auto Loans & Online Banking

Introduction

Welcome to Chen-del-o, your trusted partner in financial services located at 114 Main St, Franklin, NY 13775. Since our establishment in 1954, we have dedicated ourselves to serving our community with personalized banking solutions. With a current membership of 2,912 and total assets reaching an impressive $31,698,046, we are committed to providing quality service that meets the needs of our members. At Chen-del-o, we believe in making banking accessible and straightforward. Our offerings include a range of personal and business banking services such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. We pride ourselves on our strong financial foundation, evidenced by our total deposits of $1,745,875 and net worth of $3,563,354. While you can visit us at our main office for all your banking needs, please note that official correspondence should be sent to our mailing address: PO BOX 102, FRANKLIN, NY 13775. Our dedicated team of 6 employees, led by CEO Ashley Pittsnogel and Board President Breck Tarbell, is here to assist you during our operating hours: Monday through Thursday from 8:00 AM to 4:30 PM, Friday until 5:30 PM, and Saturday from 8:30 AM to 11:30 AM. We invite you to explore the many ways we can support your financial journey. Whether you're looking to open a new account or need advice on loans and investments, we are here for you. Feel free to call us at 607-829-3560 or visit our website at www.chendelo.org for more information. Join us today at Chen-del-o where your financial success is our priority!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to be part of our vibrant community at Chen-del-o. Experience personalized service and comprehensive financial solutions tailored just for you. Whether you're looking for a new checking account or exploring loan options, we're here to help you every step of the way. Visit us today or call us at (607) 829-3560 to learn more about how we can assist you on your financial journey!

Our Journey

The journey of Chen-del-o began with a simple yet powerful mission: to provide accessible financial services that empower our community. Over the decades, we have evolved significantly while remaining true to our roots. From humble beginnings, we have embraced advancements in technology to enhance our member experience. Today, we offer online and mobile banking options alongside traditional services like personal loans, auto financing, and credit cards with rewards. Our headquarters is located in Franklin, NY, where it all started. We understand the importance of being part of the community. That's why we actively participate in local events and initiatives aimed at supporting those in need. Partnerships with local organizations allow us to contribute meaningfully to the welfare of our members and neighbors.

Our Mission

At Chen-del-o, our mission is clear: We are dedicated to providing exceptional financial services that meet the needs of every member while fostering a sense of belonging and community engagement. We believe that financial education is crucial for empowerment; hence, we strive to offer resources that help our members make informed decisions about their finances. We understand that convenience matters. Our lobby hours are designed with your schedule in mind Monday through Thursday from 8:00 AM to 4:30 PM, Friday until 5:30 PM, and Saturday from 8:30 AM to 11:30 AM making it easier for you to access the services you need when you need them. While members can visit us at 114 Main St Franklin Ny 13775, official correspondence should be sent to PO BOX 102, Franklin NY 13775 if you wish to reach out via mail.

Branch Location & Accessibility

Banking Services Just Around the Corner

While we currently do not offer ATM or drive-thru services at this location, our team provides a full range of personal banking options including checking and savings accounts, auto loans, mortgage loans, and more. You can also enjoy the ease of online and mobile banking at your fingertips! We invite you to stop by Chen-del-o today or give us a call at 607-829-3560 with any questions. Our dedicated team looks forward to helping you achieve your financial goals!

Convenient Access and Amenities

At Chen-del-o, we prioritize accessibility for all our members. Our branch is designed with ADA-compliant features to make your visit comfortable. Parking is readily available, so you won't have to worry about finding a spot when you come by.

Operating Hours Tailored for You

We understand that everyone has busy schedules, which is why our operating hours are designed with your convenience in mind. Visit us Monday through Thursday from 8:00 AM to 4:30 PM, Friday from 8:00 AM to 5:30 PM, and Saturday from 8:30 AM to 11:30 AM. Whether you need personal banking services or assistance with loans, our friendly staff is here to help during these hours.

Member Eligibility

Joining the Chen-del-o community is like becoming part of a supportive family where your financial well-being is our priority. To become a member of Chen-del-o, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in Delaware County, you're already eligible! We welcome individuals who share our values and want to take advantage of the personalized services we offer, from checking accounts to auto loans. Plus, becoming a member means you can enjoy competitive rates and benefits tailored just for you. If you're ready to take the next step, opening an account is quick and easy; just visit our website at Chen-del-o Account Opening or give us a call at (607) 829-3560 for any questions. For more detailed eligibility information, please check out our resource page. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your daily operations without the hassle of payment processing. Our merchant services simplify transactions, allowing you to focus on what truly matters growing your business. From accepting credit cards to managing payroll, our tools are designed to streamline your operations and enhance customer satisfaction. Located conveniently at 114 Main St Franklin Ny 13775 in Franklin, NY, we invite you to explore how Chen-del-o can be a partner in your success. For more information, call us at (607) 829-3560 or visit our website at https://www.chendelo.org/.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we've got you covered too! Our Business Banking services include essential tools like Merchant Services & Business Loans that can help your enterprise grow and thrive. We recognize that every business has unique needs, and we strive to support them with personalized solutions.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Chen-del-o, we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer funds, and even pay bills easily. While we currently do not offer ATM services directly at our branch, rest assured that cash withdrawal options are available through various networks for added flexibility.

Final Thoughts

At Chen-del-o, we're committed to making banking as straightforward and accessible as possible for everyone in Franklin and beyond. Our friendly staff is ready to assist with any questions or concerns you might have about our services. We invite you to visit us or give us a call at 607-829-3560 to learn more about how we can support your financial journey today!

Personal Banking Services

We offer various personal banking services designed to simplify your financial life. You can choose from our Checking & Savings Accounts tailored to fit different lifestyles and saving goals. If you're thinking about buying a car, our Auto Loans & Vehicle Financing make it easy to get behind the wheel without breaking the bank. For those considering home ownership, our Mortgage Loans & Refinancing options ensure you find the best fit for your budget. Sometimes life throws unexpected expenses your way. That's why we also provide Personal Loans & Debt Consolidation services, helping you manage your finances more effectively. Additionally, enjoy the benefits of our Credit Cards with Rewards, giving you incentives while you spend.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to access your account whenever you need it. You can visit us at https://www.chendelo.org/ to get started. Whether you're checking balances, viewing transaction history, or paying bills, everything is right at your fingertips. Need to send money quickly? Our person-to-person transfer feature makes it easy to send cash to friends or family without the hassle of checks or cash. Plus, with our mobile application available for download, you can handle all these tasks right from your smartphone.

Real-Time Management

With Chen-del-o, managing your finances has never been easier. Real-time updates let you see exactly where your money is going and help you make informed decisions about your spending. Whether you're monitoring savings goals or tracking monthly expenses, our digital tools empower you every step of the way. Join us today at https://www.chendelo.org/ and discover how easy banking can be!

Security and Convenience

We prioritize your security while ensuring that our services are user-friendly. While we currently do not offer electronic signature authorization, rest assured that all transactions are protected with advanced security measures. You can also opt for e-statements to keep track of your finances in an environmentally friendly way. If you're looking for a quick payment solution, our mobile payments feature allows you to pay using your phone effortlessly. This means less time fumbling for cash or cards when you're out and about.

Financial Strength

At Chen-del-o, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which reflects our commitment to serving you reliably and effectively. With a net worth of $3,563,354, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.23% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,847,045 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $3,088,435 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $197 in used auto loans and $8,491,081 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is evident in our $144,914, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $767,156. Total Share and Deposit Accounts: 4,019, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chen-del-o is your trusted partner. Visit us at 114 Main St Franklin Ny 13775 or call (607) 829-3560 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,546,199 in used vehicle loans and $752,959 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can choose the best fit for your lifestyle.

Credit Lines

For those who prefer flexibility, our total credit lines amounting to $1,500,000 can provide peace of mind when unexpected expenses arise. This option allows you to borrow what you need without the hassle of applying for a new loan every time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $487,692, make buying or refinancing simple. We believe owning a home should be attainable and are here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, we're here to help. Our team can assist in determining what solutions work best for your situation and help streamline the process. For more information or to speak with one of our representatives about how we can assist you further, don't hesitate to reach out at (607) 829-3560. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us online at Chen-del-o to learn more about our services and offerings today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $606,219 in loans helping members manage their finances effectively. Our credit cards come with rewards and easy payment options to help you stay on top of your budget.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that all offers displayed are fair and transparent. Users can trust that they are looking at accurate information when comparing loan products.

CHEN DEL O FEDERAL CREDIT UNION - Franklin, NY

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