Chiphone Credit Union Merrillville IN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Chiphone, your trusted financial partner since 1947! Located at 17 W 73Rd Ave, Merrillville, IN 46410, we are dedicated to serving our community with personalized banking solutions tailored to your needs. With a total membership of 9,142 and total assets exceeding $110 million, we pride ourselves on being more than just a credit union; we're a family committed to helping you achieve your financial goals. Our friendly team, led by CEO Travis Mazur and Board President Terry Miller, is here to provide exceptional service. Whether you're looking for auto loans, personal banking, or business solutions, we've got you covered. We currently manage over $3.1 million in deposits and have a strong loan portfolio of 3,545 loans and leases available for our members. While members can visit us at our branch location, official correspondence should be sent to the same address: 17 W 73RD AVE, MERRILLVILLE, IN 46410. At Chiphone, we understand that every member's journey is unique. That's why we offer an array of services including checking and savings accounts, mortgage loans, credit cards with rewards, and online banking options. Our commitment to transparency is reflected in our impressive net worth of $17,566,771 and cash in hand amounting to $2,402,320. We invite you to experience the Chiphone difference where your financial well-being is our top priority. Feel free to reach out at (219) 738-3249 or visit us online at www.chiphone.org for more information. Join us today and discover how we can help you thrive financially!

Branch History & Mission

A Legacy of Growth

Chiphone has evolved significantly since its inception. What started as a small credit union has transformed into a trusted financial institution that offers a wide range of services. From personal banking products like checking and savings accounts to auto loans and mortgages, we strive to meet the diverse needs of our members. Our branch is conveniently located at 17 W 73rd Ave, Merrillville, IN 46410, making it easy for you to visit us. You can also reach out via phone at 219-738-3249 for any inquiries or assistance. Our branch's mission goes beyond just providing financial products; we aim to uplift our community through various outreach initiatives. We believe in giving back and supporting local events, schools, and charities that make Merrillville a better place to live.

Commitment to Excellence

At Chiphone, our mission statement reflects our core values: "Empowering our members through exceptional financial services while fostering community growth." This means that every decision we make is focused on enhancing the member experience and ensuring that we contribute positively to the communities we serve. We understand that accessibility is crucial for our members. That's why we offer both drive-thru banking and ATM services for your convenience. Our operating hours are designed with you in mind Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 8:30 AM until noon. Whether you prefer visiting us in person or accessing your accounts online through mobile banking or e-statements, we have options that fit your lifestyle.

Join Us Today

As we continue this journey of growth and service excellence, we invite you to become part of the Chiphone family. Experience firsthand how our commitment to community support and personalized service can make a difference in your financial life. Visit us at Chiphone or explore more about membership options on our website at www.chiphone.org. Together, let's build a brighter future!

Branch Location & Accessibility

Finding Us

While members can visit us at 17 W 73Rd Ave, official correspondence should be sent to the same address, ensuring you always reach us without any hassle. If you're driving, rest assured that we offer ample parking right at our doorstep. Our branch is designed to be accessible for everyone, featuring ADA-compliant entrances and ramps to help those with mobility challenges.

Get in Touch

Have questions or want to learn more about how we can assist you? Don't hesitate to give us a call at 219-738-3249. We invite you to stop by and experience the friendly atmosphere at Chiphone today! Whether you're opening an account or just looking for some advice, our team is here to help make your banking experience easy and enjoyable.

Operating Hours

At Chiphone, we understand that life can be busy, which is why we strive to keep our hours convenient for you. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM, extending until 5:30 PM on Fridays, and we're here from 8:30 AM to 12:00 PM on Saturdays. Whether you need personal banking services or assistance with loans, our dedicated team is ready to serve you during these hours.

Services at Your Fingertips

We pride ourselves on offering a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need cash in a pinch? Enjoy the convenience of our ATM services available on-site, along with basic drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At Chiphone, we believe that joining our community is about more than just banking it's about being part of a supportive family. If you're looking to become a member, you'll be glad to know that eligibility is open to anyone who lives, works, or worships in our local area. Whether you're new to the community or have deep roots here, we want you to feel welcome and included. For specific details on what it takes to join us, feel free to check out our eligibility criteria at https://www.chiphone.org/services/become-a-member/. Becoming a member at Chiphone means gaining access to a range of financial services designed with your needs in mind. From checking and savings accounts to auto loans and personal financing options, we're here to support your financial journey. Opening an account is easy and convenient just visit us online at https://loans.itsme247.com/261/home/start or give us a call at (219) 738-3249 for more information. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments seamlessly, whether in-store or online. Our solutions are tailored to fit your specific business model, allowing you to focus on what you do best serving your customers. Visit us at 17 W 73Rd Ave Merrillville In 46410 in Merrillville, IN or call us at (219) 738-3249 to learn more about how we can help your business grow. Explore the possibilities today!

Comprehensive List Of Services

Business Solutions

If you're a small business owner, you'll appreciate our Business Banking services. From merchant services that simplify payment processing to business loans designed to help you grow, we aim to support local entrepreneurs like you.

Convenient Access

Our branch at 17 W 73Rd Ave Merrillville In 46410, Merrillville, IN is equipped with an ATM and offers drive-thru banking for quick transactions like deposits and withdrawals. Need cash on the go? Our basic ATM access allows for easy withdrawals and balance checks whenever you need it.

Loans Made Easy

Need financing? Look no further! We provide Auto Loans & Vehicle Financing to help you get behind the wheel of that new car you've been eyeing. With competitive rates and flexible terms, purchasing a vehicle has never been easier. If you're thinking about buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing options are here to assist you every step of the way. For those unexpected expenses or debt management needs, our Personal Loans & Debt Consolidation services can offer the financial relief you're looking for. We also have Credit Cards with Rewards, which allow you to earn points while making everyday purchases.

Personal Banking

We offer Personal Banking options that include checking and savings accounts designed to fit your lifestyle. Imagine having easy access to your funds anytime you need them. Our checking accounts come with features that help you manage your daily expenses efficiently. Plus, with our online and mobile banking services, you can check your balance or transfer money with just a few taps on your phone.

Stay Connected Digitally

In today's fast-paced world, convenience is key. With our Online & Mobile Banking, managing your finances is simple and accessible from anywhere at any time. You can also take advantage of features like person-to-person payments for easy transfers between friends and family. At Chiphone, we pride ourselves on being more than just a financial institution; we are part of the community. Our friendly staff is ready to assist you in finding the right financial solutions tailored just for you. Ready to take the next step in managing your finances? Contact us at (219) 738-3249 or visit us at http://WWW.CHIPHONE.ORG to learn more about how we can help meet your financial needs today!

Digital & Online Banking

Key Features

We also provide an electronic signature authorization feature, making it simple for you to complete transactions quickly and securely. Plus, with e-statements available, you'll receive your account statements electronically saving trees and reducing clutter in your mailbox. Need to send money to friends or family? Our person-to-person transfer option allows you to send funds easily and instantly. Although mobile payments are not currently available at Chiphone, our user-friendly mobile application is ready for download, giving you control over your banking right at your fingertips. Our commitment to security means that you can trust us with your financial information. You can bank with peace of mind knowing that we prioritize protecting your data. At Chiphone, we strive to make banking accessible and straightforward for all our members. Whether you're checking balances or transferring money, we're here to support you every step of the way!

Financial Strength

At Chiphone, 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 dedicated to maintaining robust financial health, allowing us to provide you with the best possible services and support. 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 15.79% 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 $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. We also have $17,244,357 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $1,176 in used auto loans and $46,413,146 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $159,497, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 36 full-time employees and 5 part-time employees who are ready to assist you with knowledge and care. 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 17 W 73Rd Ave Merrillville In 46410 or call (219) 738-3249 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 $17,285,090 in used vehicle loans and $2,977,809 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to make financing your next vehicle straightforward and affordable.

Credit Lines

If you need extra flexibility with your finances, our credit lines totaling $14,000,000 can provide the support you need for unexpected expenses or larger purchases. For more information on how our loan products can fit into your financial plan or if you're interested in refinancing options, feel free to reach out. You can contact us at (219) 738-3249 or visit us at 17 W 73Rd Ave Merrillville In 46410. 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 are here to assist you every step of the way!

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. We focus on providing clear information about eligibility and refinancing options to ensure you can navigate the process with ease.

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. These cards can be an excellent tool for everyday purchases while earning rewards that benefit you.

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. This ensures that you have access to the most accurate information when making important financial decisions. 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 to sourcing from reputable institutions guarantees fair and transparent offers, giving you peace of mind as you explore your options. One of the key benefits of using LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the market. Additionally, LendMesh provides real-time rate comparisons from multiple institutions. This feature helps users make informed decisions without having to sift through outdated or misleading information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to take control of your financial future, 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 - Merrillville, IN

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