Chessie Credit Union Lavale MD | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Chessie, your trusted financial partner located at 1308 National Hwy, Lavale, MD 21502. Since our establishment in 1948, we have dedicated ourselves to serving our community with a strong commitment to member satisfaction and financial wellness. With over 34,121 members and total assets reaching an impressive $406,849,680, we are proud to be a cornerstone of support for individuals and families in Lavale and the surrounding areas. At Chessie, we understand that each member's financial journey is unique. Whether you're looking for a personal loan, a new vehicle loan, or simply want to manage your savings better, we're here to help. Our total loans amount to 13,323, while deposits from our members stand at $73,078,701, reflecting the trust placed in us by our community. Our team of 96 employees, led by CEO Scott Kline and Board President Walter Beall, works tirelessly to ensure that you receive personalized service tailored to your needs. We offer a variety of services including checking and savings accounts, auto financing, mortgage loans, credit cards with rewards, and business banking solutions. While you can visit us at our branch location in Lavale, official correspondence should be sent directly to our branch address. If you have questions or need assistance, feel free to reach out at 301-729-0129 or explore our website at www.chessiefcu.org. Join us today and experience the difference of being part of a credit union that truly values its members!

Branch History & Mission

At Chessie, our story began in 1948, rooted deeply in the community of Lavale, MD. Since opening our doors at 1308 National Hwy, we have dedicated ourselves to providing exceptional financial services tailored to meet the needs of our members. With a commitment to fostering growth and support within our community, we have transformed over the decades into a trusted partner for more than 34,121 members. Our journey has been marked by significant milestones, showcasing our resilience and dedication to serving those around us. As we continue to grow, we proudly hold total assets of $406,849,680, reflecting our strong financial foundation and ability to offer a wide range of services. From personal banking solutions like checking and savings accounts to vehicle financing and business loans, we strive to empower our members at every step. Our comprehensive suite of services ensures that whether you're looking for a new car or planning for your future home, Chessie is here to help. Our mission is simple yet impactful: we aim to provide accessible financial solutions while actively supporting the communities we serve. We believe that everyone deserves a chance at financial success, and through initiatives such as local partnerships and community outreach programs, we work tirelessly to uplift those around us. We take pride in being more than just a credit union; we are a vital part of the Lavale community. For those who wish to connect with us beyond visiting our branch, please note that official correspondence should be sent to 1308 National Hwy as well. We are also excited to offer convenient access options with an ATM on-site and drive-thru banking available during operating hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 12:30 PM. At Chessie, we embrace innovation while ensuring compliance with ADA standards so that all members feel welcome. Our digital advancements allow for online banking services that make managing finances easier than ever before. Join us today and experience the Chessie difference! We invite you to become a member of our family and take advantage of the many benefits we offer. For more information about membership or to open an account online, visit our website. Together, let's build a stronger community!

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated near popular local spots, including shopping centers and parks, our branch is well-placed for both convenience and community connection. Parking is available right outside, making it easy for you to stop by without any hassle. We are committed to accessibility; our branch features ADA-compliant ramps and facilities to ensure everyone can visit us comfortably.

Operating Hours

We know that life can be busy, so we've tailored our operating hours to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 12:30 PM. If you're in a hurry, take advantage of our drive-thru service available on weekdays starting at 8:00 AM until 6:00 PM, and on Saturdays from 8:00 AM until noon.

Services Offered

At the Chessie branch, we offer a variety of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need some cash? Our ATM is readily available for withdrawals and balance checks. Plus, with drive-thru banking options for simple transactions, managing your finances has never been easier! Feel free to give us a call at 301-729-0129 if you have any questions or need assistance. We invite you to visit us today at the Chessie branch we look forward to helping you with all your banking needs!

Member Eligibility

Becoming a member of Chessie is like stepping into a community where everyone looks out for one another. If you're interested in joining us, the good news is that eligibility is simple and welcoming! Anyone who lives, works, worships, or attends school in the area has the opportunity to become a part of our family. We believe in making banking accessible for everyone, so whether you're just starting your financial journey or looking to enhance your financial wellness, Chessie is here for you. Plus, being a member comes with fantastic benefits like personalized service and a range of financial products tailored to meet your needs. To get started on your membership journey at Chessie, visit us at our branch located at 1308 National Hwy Lavale Md 21502 or give us a call at (301) 729-0129. You can find detailed eligibility criteria by checking out this link: http://www.chessiefcu.org/about/become-a-member. Once you're ready to open an account, it's as easy as clicking here: https://online.chessiefcu.org/auth/enrollment?culturename=en. Join us today and experience the difference that being part of a supportive community can make!

Business Banking & Commercial Services

At Chessie, located at 1308 National Hwy Lavale Md 21502 in Lavale, MD, we understand that running a business is both rewarding and challenging. That's why we're committed to providing tailored financial solutions that help you thrive. Imagine having the right financial partner by your side as you navigate growth opportunities. Our commercial loans are designed specifically for businesses like yours, providing the necessary funds to expand operations, invest in new equipment, or manage cash flow effectively. 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. But it doesn't stop there! We also offer merchant services that simplify everyday transactions. Imagine being able to accept payments seamlessly from customers, whether they prefer cash, card, or digital payments. Our solutions are designed to make payment processing easy so you can focus on what matters most growing your business. Let Chessie be your trusted partner on the path to success. Reach out today at (301) 729-0129 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key at Chessie! We have ATMs available for easy cash withdrawals and balance checks anytime you need them. Additionally, our basic drive-thru banking service allows for quick deposits and withdrawals without leaving your car. With all these services at hand, we strive to ensure that banking remains accessible and straightforward for everyone in the community. To learn more about how we can assist you or if you're ready to take the next step in achieving your financial goals, give us a call at (301) 729-0129 or visit us online at Lavale Office. Join us today at Chessie, where your financial well-being is our top priority!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options make it simple. We understand that purchasing a vehicle is a big decision, so we provide competitive rates to help you drive away happy. Whether it's for that reliable family car or a sporty new ride, we are here to assist you every step of the way.

Business Banking

For our business members, we provide comprehensive business banking services, including merchant services and business loans. If you're looking to grow or need support with cash flow management, our dedicated team is here to help your business thrive.

Credit Cards with Rewards

We also offer credit cards with rewards, allowing you to earn points on everyday purchases. This means you can enjoy benefits while managing your expenses making it easier for you to treat yourself when the time is right.

Mortgage Loans & Refinancing

If you're looking to buy a home or refinance an existing mortgage, our team is ready to guide you through the process. Our mortgage loans come with flexible terms that can fit your budget. We'll help ensure that you get the best rate possible while making the entire experience straightforward and stress-free.

Personal Banking

Starting with personal banking, we offer a variety of checking and savings accounts designed for every lifestyle. If you're saving for a dream vacation or need easy access to your funds, our accounts cater to both short-term and long-term goals. Plus, with our online and mobile banking services, managing your finances has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come into play! Whether it's for home repairs, medical bills, or consolidating debt, we offer flexible terms to help ease your financial burdens.

Digital & Online Banking

Enhanced Security and User Experience

Security is paramount when it comes to managing your finances. Our online services are designed with robust security measures to protect your information. While electronic signature authorization is not available at this time, we ensure that all transactions are handled safely. Members can also enjoy the convenience of e-statements, which means no more waiting for paper statements in the mail. You'll receive your statements electronically, making it easier to stay organized and environmentally friendly. If you need to send money to friends or family, our person-to-person transfer feature is perfect for quick and easy transactions. No need for cash or checks just use our platform to send money directly from your account. In summary, Chessie offers a complete range of digital banking solutions that prioritize convenience without sacrificing security. Join us today at https://www.chessiefcu.org/ and take control of your finances with ease!

Key Services Offered

Our online banking platform, accessible at https://www.chessiefcu.org/, allows you to check balances, view transactions, and transfer funds all in real time. With 24/7 online banking services, you never have to worry about whether your branch is open. You can perform your banking tasks whenever it suits you. For those who prefer mobile banking, our user-friendly mobile application makes it simple to access your accounts right from your smartphone. Whether you're paying bills or checking your account balance, everything is just a tap away. While we currently do not offer mobile payments, rest assured that our other features keep you connected and in control.

Financial Strength

Commitment to Growth

With $38,088,727 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $4,042 in used auto loans and $259,971,188 in total loans and leases.

Member Trust

Total Share Accounts: 62,320, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $532,098 further emphasizes our dedication to serving you effectively. 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 1308 National Hwy Lavale Md 21502 or call (301) 729-0129 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $1,378,939, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 93 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secured Savings

Members' savings are secured through $42,665,729 in share certificates and $25,503,142 in money market shares, 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.

Strong Capital Foundation

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. Our net worth ratio of 12.42% demonstrates a solid capital foundation, ensuring 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. We have already facilitated over $62,235,176 in used vehicle loans and $31,213,735 in new vehicle loans, helping members get on the road with ease. Whether you're looking for financing for a brand-new model or a reliable used car, we can tailor a plan that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $18,167,696 provide the capital needed to grow and expand your business operations. We understand the unique challenges faced by entrepreneurs and are committed to supporting local businesses with tailored financial solutions. In addition to these offerings, we also have various refinancing options available to ensure you get the best rates possible based on your financial situation. If you're interested in learning about eligibility requirements or how to apply for any of our loan products, please visit our website at Chessie or call us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore how Chessie can assist you with your loan needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Property loans totaling $1,872,274. This means you can invest in your future with confidence and support from our knowledgeable staff.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $9,881,138 in loans available, our credit cards help members manage their finances effectively while enjoying rewards on purchases.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate 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 fair and transparent offers that you can trust. By relying on verified financial institutions, LendMesh guarantees that the information you see is both accurate and reliable.

CHESSIE FEDERAL CREDIT UNION - Lavale, MD

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