Chessie Credit Union Cumberland MD | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Chessie, your trusted partner in financial growth and community support, located at 321 Greene St, Cumberland, MD 21502. Established in 1948, our credit union has proudly served over 34,121 members and continues to foster a strong sense of community while providing exceptional financial services tailored to your needs. At Chessie, we believe that every member deserves the best. With total assets of $406,849,680 and deposits reaching $73,078,701, we are well-equipped to provide a range of services from personal banking to business loans. Our commitment to you is reflected in our robust financial health, with a net worth of $50,560,088 and cash in hand totaling $4,622,417. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 689, Cumberland, MD 21502. Our dedicated team is here to assist you during our convenient hours Monday through Wednesday from 9:00 AM to 5:00 PM, Thursday and Friday until 6:00 PM, and Saturday mornings until 12:30 PM. Under the leadership of CEO Scott Kline and Board President Walter Beall, we strive to make a positive impact in the lives of our members and the wider community. Whether you're looking for auto loans or savings accounts, Chessie offers competitive rates and personalized service designed just for you. We invite you to explore our website at chessiefcu.org or give us a call at 301-777-8100. Join us on this journey towards financial empowerment together we can achieve more!

Branch History & Mission

Community Connections

Community involvement is at the heart of what we do. From local sponsorships to partnerships with schools and charities, we actively engage in initiatives that uplift those around us. We understand that when our community thrives, we all benefit. While members can visit us at 321 Greene St Cumberland Md 21502, official correspondence should be sent to PO Box 689, Cumberland, MD 21502 if different. For any inquiries or assistance, feel free to reach out at (301) 777-8100 during our operating hours: 9:00 AM - 5:00 PM Monday through Wednesday, 9:00 AM - 6:00 PM Thursday and Friday, and 9:00 AM - 12:30 PM Saturday.

Join Us Today

As we look ahead, we invite you to become part of the Chessie family. Experience firsthand how we can help you achieve your financial goals while being an active participant in our vibrant community. Together, let's build a brighter future! For more information about becoming a member or accessing our services, please visit our website. We can't wait to welcome you!

Our Mission

At Chessie, our mission is clear: to enhance the financial well-being of our members while actively contributing to the development of our community. We believe that financial success should be within reach for everyone, which is why we offer a wide range of services tailored to individual needs be it checking accounts, auto loans, mortgages, or credit cards with rewards. We are dedicated not only to providing these essential services but also to ensuring that they are delivered with care and respect. Our team works tirelessly to ensure ADA compliance and has embraced digital advancements like online banking and mobile applications, making it easier than ever for you to manage your finances on your terms.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces to ensure everyone can enjoy our services without hassle.

Connect With Us!

If you have any questions or would like more information about how we can serve you better, don't hesitate to give us a call at 301-777-8100. We invite you to visit us soon at Chessie where our commitment to serving the community shines through every interaction!

Convenient Operating Hours

We want to make banking as convenient as possible for you. Our lobby hours are from 9:00 AM to 5:00 PM on Monday through Wednesday, and we stay open later until 6:00 PM on Thursday and Friday. Plus, if you're stopping by on Saturday, our drive-thru is available from 9:00 AM until 12:30 PM.

Services Offered

Chessie offers a range of services designed to fit your lifestyle. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. Our friendly staff is ready to assist you with everything from basic transactions at our drive-thru to more complex financial needs.

Member Eligibility

Becoming a member of Chessie is like joining a family that genuinely cares about your financial well-being. To qualify, you just need to meet some simple criteria. Whether you live, work, worship, or go to school in our community, you're likely eligible to join us at Chessie. We believe everyone deserves access to friendly banking services, which is why our membership is open to a wide range of individuals. Plus, as a member, you'll enjoy benefits like lower loan rates and personalized customer service that really makes a difference. If you're curious about the specific eligibility details, feel free to check out this resource: http://www.chessiefcu.org/about/become-a-member. Opening an account with us is straightforward and welcoming. You can begin the process by visiting our online enrollment page at https://online.chessiefcu.org/auth/enrollment?culturename=en, or if you prefer speaking with someone directly, don't hesitate to call us at (301) 777-8100. We're excited to help you take this step toward financial empowerment and look forward to welcoming you into our community at Chessie, located at 321 Greene St Cumberland Md 21502!

Business Banking & Commercial Services

Loan Options Tailored for Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $137 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $18,167,696, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we offer merchant services designed to streamline your payment processes. Whether you're a retail shop or a service provider, our solutions enable you to accept payments quickly and securely. This means you can focus more on serving your customers while we take care of the transactions. Located at 321 Greene St Cumberland Md 21502 in Cumberland, MD, we're here to partner with you every step of the way. Reach out today at (301) 777-8100 to learn how we can support your business journey!

Comprehensive List Of Services

Business Banking

For our business members, Chessie offers specialized banking solutions such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business growth.

Digital Banking Convenience

In today's fast-paced world, digital banking is essential. At Chessie, we provide robust online and mobile banking services that allow you to manage your finances from anywhere. Need cash? With our ATM and cash withdrawal services available at various locations, accessing your funds is easy. Our basic drive-thru banking also simplifies deposits, withdrawals, and other simple transactions without leaving your vehicle.

Get Started Today!

Ready to explore what we can do for you? Contact us at (301) 777-8100 or visit us at 321 Greene St Cumberland Md 21502 in Cumberland, MD during our operating hours: 9:00 AM - 5:00 PM from Monday to Wednesday, 9:00 AM - 6:00 PM on Thursday and Friday, and 9:00 AM - 12:30 PM on Saturday. Your financial journey starts here at Chessie, where we prioritize your needs and work hard to serve you better!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are designed with you in mind. We understand that purchasing a home is one of the biggest decisions you'll ever make, which is why we provide personalized support throughout the process. From first-time buyers to seasoned homeowners looking to refinance, our team is here to help every step of the way.

Loans and Credit Cards

If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the assistance you need. Plus, don't forget about our credit cards with rewards! They not only offer convenience but also give you perks for everyday purchases.

Personal Banking

Whether you're looking to open a checking or savings account, Chessie has you covered. Our personal banking services make managing your money easy and straightforward. Imagine having the flexibility to access your funds anytime, whether it's through our online platform or mobile app. We also offer competitive auto loans and vehicle financing options that can get you behind the wheel of your dream car without breaking the bank.

Digital & Online Banking

Key Features

With our online banking services, you can enjoy the convenience of e-statements, which allow you to view and manage your account statements digitally. This not only saves paper but also helps keep your financial information organized and easily accessible. Plus, if you prefer a more personal touch, we offer person-to-person transfers so you can send money directly to friends or family in seconds no need for cash or checks! For those who like to bank on the move, our mobile application is available for easy downloads. It allows you to carry your bank right in your pocket! While we currently don't support mobile payments, our app provides essential features such as balance checks and fund transfers at your fingertips.

Security and Accessibility

Your security is our top priority. Though we don't use electronic signature authorization, our online banking platform employs robust security measures to ensure that your data remains safe while you're accessing it anytime from anywhere. With Chessie, banking has never been easier or more secure. Join us today and experience the benefits of modern banking tailored just for you!

Financial Strength

Commitment to Innovation

Our dedication to serving you is evident in our $38,088,727 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures. Our capacity to lend is significant; we have $4,042 in used auto loans and $259,971,188 in total loans and leases available to support your financial goals across various sectors.

Community Trust

We serve a strong member base with a total of 62,320 share accounts that showcase the trust placed in us by our community. Our net shares available for lending and investments stand at $532,098, ensuring we have ample resources to meet your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chessie is your trusted partner. Visit us at 321 Greene St Cumberland Md 21502 or call (301) 777-8100 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us. We have $42,665,729 in share certificates and $25,503,142 in money market shares, offering stable and rewarding financial growth opportunities tailored for our members. Unlike traditional banks, we prioritize you. 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.

Operational Efficiency

Reflecting our operational efficiency is our $1,378,939. This enables us to continue offering competitive loan rates and solid financial products tailored for you. Additionally, we take pride in having 93 full-time employees and 3 part-time employees who are always ready to assist you with their expertise and commitment.

Strong Financial Health

With a net worth of $50,560,088, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further supported by our impressive net worth ratio of 12.42%, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $62,235,176 in used vehicle loans and $31,213,735 in new vehicle loans already helping members get on the road. We provide tailored solutions for both new and used vehicles to ensure you find the right fit for your budget.

Credit Lines

For those who prefer a more flexible borrowing option, our total credit lines amounting to $112,192,250 provide access to funds when you need them most. This allows you to borrow only what you need and pay it back over time without hassle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,872,274, make buying or refinancing simple. Our mortgage team is here to guide you through the process and help you navigate your options effectively.

Refinancing Options

If you're considering refinancing any of your existing loans or mortgages, our team can help assess your current situation and eligibility. Refinancing could potentially lower your monthly payments or reduce your interest rates putting more money back in your pocket. For any questions about our loan offerings or to discuss how we can assist you further, please feel free to contact us at 301-777-8100. Visit us at our branch located at 321 Greene St Cumberland Md 21502, where our friendly staff is ready to assist you during business hours: Monday-Wednesday from 9:00 AM - 5:00 PM; Thursday-Friday from 9:00 AM - 6:00 PM; Saturday from 9:00 AM - 12:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Chessie, we're dedicated to helping you take control of your financial future with confidence!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,881,138 in loans helping members manage their finances effectively. These cards come with various benefits and rewards to help you maximize your spending power while keeping your budget in check.

Loan Aggregator

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CHESSIE FEDERAL CREDIT UNION - Cumberland, MD

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