Chief Financial Credit Union Chiphone Elkhart IN

Introduction

Welcome to Chiphone, your trusted financial partner located at 710 N Wildwood Ave, Elkhart, IN 46514. Established in 1947, we have proudly served our community for over 75 years, building a strong foundation of trust and reliability. With a total membership of 9,142 individuals, we are dedicated to providing personalized financial services that cater to your unique needs. At Chiphone, we understand that finances can be complex. That's why our experienced team, led by CEO Travis Mazur and Board President Terry Miller, is here to guide you every step of the way. Our commitment to our members is reflected in our impressive financial standing, with total assets reaching $110,954,106 and total deposits amounting to $3,141,249. We take pride in being a safe haven for your savings, bolstered by a net worth of $17,566,771 and cash reserves of $2,402,320. While members can visit us at our branch location for friendly service and expert advice, official correspondence should be sent to the same address: 710 N WILDWOOD AVE, ELKHART, IN 46514-1876. Our dedicated staff of 41 employees is always ready to assist you with all your financial needs. Whether you're looking for loans (we have issued 3,545 loans) or need assistance with deposits (we maintain a robust share deposit portfolio), we strive to create an environment where you feel valued and understood. We invite you to explore our wide range of services on our website at www.chiphone.org. If you have any questions or wish to learn more about how we can help you achieve your financial goals, please don't hesitate to reach out at 574-294-3606. Visit us today and discover the Chiphone difference!

Branch History & Mission

At Chiphone, we proudly carry a legacy that dates back to our founding in 1947. Located at 710 N Wildwood Ave in the heart of Elkhart, Indiana, our credit union has been dedicated to serving the financial needs of our community for over seven decades. Throughout the years, we have witnessed remarkable growth and change, expanding our services to meet the evolving needs of our members. From our humble beginnings, Chiphone has grown to support a total membership of 9,142 individuals. Our commitment to providing exceptional financial services has enabled us to accumulate total assets of $110,954,106. This strong foundation allows us to offer various loans and banking products that help our members achieve their financial goals. Our mission is simple yet powerful: We strive to empower our members by providing accessible financial solutions while fostering a sense of community and belonging. At Chiphone, we understand that finance is not just about numbers; it's about people and their dreams. We are here to support you every step of the way. While members can visit us at our main branch on Wildwood Avenue, official correspondence should be directed to our mailing address at 710 N WILDWOOD AVE, ELKHART, IN 46514-1876. This helps us ensure that your inquiries are handled promptly and efficiently. We take pride in maintaining modern banking practices while ensuring accessibility for all. Our branch operates with customer convenience in mind, open Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 8:30 AM to 12:00 PM. Although we currently do not offer ATM services or drive-thru banking, we provide an array of digital options such as online banking and mobile applications for those who prefer managing their finances digitally. Our commitment extends beyond individual financial health; we actively engage with the Elkhart community through various outreach efforts and partnerships. Whether it's supporting local events or offering educational workshops on financial literacy, we believe in giving back and uplifting those around us. Join us at Chiphone and become part of a community-focused credit union that puts its members first. Experience personalized service tailored to your unique needs while enjoying the benefits of being part of something larger than yourself. For more information on how you can become a member or explore our services further, please visit Chiphone's website or call us at (574) 294-3606 today!

Branch Location & Accessibility

Operating Hours

At Chiphone, we value your time. We're open Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 5:30 PM, and Saturday from 8:30 AM until noon. Whether you need assistance during the week or have a quick question on Saturday morning, we're here for you!

Parking and Accessibility Features

We know how important it is for our members to have easy access to our branch. That's why we offer ample parking right outside the entrance. For those who may need it, our facility is ADA compliant, featuring ramps and other accessibility options to ensure everyone can visit us comfortably.

Services Offered

Although we currently do not have ATM services or drive-thru banking available at this location, our dedicated team is ready to assist you with various financial services tailored just for you. From opening new accounts to discussing loan options, we're committed to helping you achieve your financial goals. If you're looking for a welcoming environment where your needs come first, look no further than Chiphone. Feel free to call us at (574) 294-3606 if you have any questions or want more information. We can't wait to see you soon!

Member Eligibility

At Chiphone, we believe that everyone deserves a chance to be part of a warm and welcoming community. Becoming a member is easier than you might think! If you live, work, or attend school in the Elkhart area or have family who are members, you're already eligible to join us. It's our mission to support you with personal banking services tailored to your needs, from loans to savings accounts, all while prioritizing your financial well-being. To learn more about the specific eligibility criteria, feel free to visit our detailed resource at https://www.chiphone.org/services/become-a-member/ . Ready to take the next step? Opening an account with us is a breeze! Just head over to our account opening page at https://loans.itsme247.com/261/home/start , where you'll find straightforward instructions to help you get started. If you have any questions along the way, don't hesitate to reach out at (574) 294-3606. We can't wait to welcome you into the Chiphone family at 710 N Wildwood Ave Elkhart In 46514!

Business Banking & Commercial Services

Business Loan Options

Imagine having the capital to invest in new equipment or expand your team. Our commercial loan products can make that dream a reality. 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.

Merchant Services

In addition to loans, our merchant services streamline payment processing, making it easier for you to focus on what you do best running your business. Imagine not having to worry about payment delays; with our reliable services, transactions are smooth and efficient. Located conveniently at 710 N Wildwood Ave Elkhart In 46514 in Elkhart, IN, we invite you to explore how our business banking and commercial services can empower your entrepreneurial journey. Reach out to us at (574) 294-3606 today!

Comprehensive List Of Services

Community-Focused Approach

What sets Chiphone apart is our commitment to serving our members and community. We know that each member has unique financial needs. That's why we strive to create an environment where you feel valued and supported. When you reach out via phone at (574) 294-3606, our friendly staff is ready to assist with any questions or concerns regarding your accounts or services. In conclusion, whether it's accessing cash through our ATM services or utilizing our robust online banking features, Chiphone is here to simplify your financial journey. We invite you to visit us at 710 N Wildwood Ave Elkhart In 46514 or check out our website at https://www.chiphone.org/ for more information about how we can help meet your financial needs. Come experience the difference at Corporate today!

Digital Convenience at Your Fingertips

In today's fast-paced world, having digital banking options is crucial. At Corporate, we offer online banking that allows you to check your balances, pay bills, and transfer money from the comfort of your home or on the move. You can also take advantage of our mobile application for even greater convenience, making it easy to stay on top of your finances anytime, anywhere.

Personalized Banking Solutions

One of the key offerings at Chiphone is our range of ATM services. Imagine you're out running errands and need cash quickly. Our ATMs provide you with easy access to your funds whenever you need them. We understand that life can be busy, which is why we've made it simple for you to handle transactions on the go.

Digital & Online Banking

Key Features for You

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of e-statements, which are available to help you keep track of your transactions without the clutter of paper statements. And if you need to sign documents, our electronic signature authorization makes it quick and hassle-free. For those who want to send money easily, our person-to-person transfers let you send funds to family or friends in seconds. Plus, if you're always on the move, our mobile application provides all these features right in your pocket. You can check your balance, deposit checks, and manage payments wherever life takes you.

Security and Accessibility

We prioritize your security. Our online banking services are protected by advanced security measures, ensuring that your information stays safe while you manage your finances. With user-friendly navigation, accessing your accounts is straightforward and intuitive, making it easy for everyone whether you're tech-savvy or just getting started with online banking. At Chiphone, we believe that banking should fit into your lifestyle. Whether it's checking an account balance late at night or transferring funds during lunch break, we're here to support you every step of the way. Join us today and experience the convenience of modern banking!

Financial Strength

A Growing Community

The strength of our community is evident with a total of 18,407 share accounts. This shows a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, which reflects our dedication to supporting your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Chiphone is your trusted partner. Visit us at 710 N Wildwood Ave Elkhart In 46514 or call (574) 294-3606 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Members

With $17,244,357 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 your financial goals across various sectors with $1,176 in used auto loans and $46,413,146 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $11,393,687 in share certificates and $10,127,211 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.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 36 full-time employees and 5 part-time employees ready to serve you with knowledge and commitment.

Strong Financial Health

With a net worth of $17,566,771, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,579 demonstrates a solid capital foundation. This 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 $17,285,090 in used vehicle loans and $2,977,809 in new vehicle loans already helping members get on the road. We offer competitive rates and flexible terms to make your car-buying experience as smooth as possible.

Credit Lines

For those who need ongoing access to funds, our total credit lines amount to $14,000,000. This product allows for financial flexibility when unexpected expenses arise or when you want to take advantage of time-sensitive opportunities. If you're interested in any of our loan products or would like more information about refinancing options and eligibility requirements, feel free to reach out. You can contact us at 574-294-3606, or visit us at our branch located at 710 N Wildwood Ave Elkhart In 46514. At Chiphone, we're committed to helping our members achieve their financial dreams with responsible lending practices and personalized service. Let us support you on your journey toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,836,659, make buying or refinancing simple. Whether you're looking to purchase your first home or refinance an existing mortgage, our team is here to guide you through every step.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,851,755 in loans helping members manage their finances effectively. This option provides easy access to funds for everyday purchases while maintaining control over your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh offers users the tools they need to make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This is based on the latest results (Source: https://www.ncua.gov ), which guarantees that users receive fair and transparent offers. By focusing on verified data, LendMesh helps users trust the information they receive. The benefits of using LendMesh are clear: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be for those seeking better loan options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CHIPHONE FEDERAL CREDIT UNION