Business Details
Your Trusted Financial Partner in Franklin, NY
Chen-Del-O Federal Credit Union has been dedicated to providing accessible and secure financial services to our community since our establishment. Our institution prioritizes member satisfaction through a comprehensive range of products including savings and checking accounts, credit and debit cards, loans, and investment opportunities. We maintain a strong commitment to transparency and innovation, offering digital banking solutions with robust security measures to protect member assets. Our team of financial professionals brings decades of combined experience in credit union operations, ensuring personalized service and tailored financial strategies. As a federally insured institution, we guarantee savings up to $250,000 through NCUA protection while adhering to strict compliance standards.Our dedication to community development is reflected in initiatives like youth account programs and local supervisory committee participation. We continuously strive to enhance accessibility through website improvements and physical branch accommodations. With competitive loan rates and unique promotions such as APR discounts and deferred payments, we empower members to achieve financial stability. Our operational hours and holiday schedule demonstrate flexibility to serve diverse customer needs, while our equal housing lending practices ensure fair access to mortgage opportunities.
Services
Savings Accounts
Checking Accounts
Credit Cards
Mortgage Loans
Student Loans
Home Equity Loans
Online Banking
Bill Payment
Mobile Deposits
Financial Education
Highlights and features
- We offer 24/7 online banking with real-time fund transfers and bill payment.
- Our competitive loan rates include special promotions with APR discounts.
- Savings accounts are federally insured up to $250,000 through NCUA protection.
- We provide personalized financial education and youth account programs.
- Our equal housing lending practices ensure fair mortgage access for all members.
Associations and certifications
- NCUA
Services
Savings Accounts
Our savings accounts provide secure wealth-building solutions with competitive interest rates. Members benefit from federal insurance coverage up to $250,000 through NCUA protection. We offer various account types including youth accounts and specialized savings clubs to help customers achieve specific financial goals.
Vehicle Loans
We offer new and used vehicle financing with special promotions including 2.00% APR discounts and deferred payment options. Our loan specialists help members find affordable payment plans with flexible terms. Current promotions run through October 3rd, 2025, featuring no payments for the first 60 days.
Online Banking
Our 24/7 online banking platform enables real-time fund transfers, bill payments, and mobile check deposits. Security features include multi-factor authentication and encrypted transactions. Members can access eStatements and manage accounts through our user-friendly website or mobile app with no monthly fees.
Mortgage Loans
We provide competitive mortgage solutions including conventional loans and home equity programs. Our equal housing lending policy ensures fair access to all applicants. Loan calculators and pre-approval options help customers understand affordability before purchasing or refinancing properties.
Financial Education
We offer comprehensive financial literacy resources including youth account programs and budgeting guidance. Our educational initiatives help members make informed decisions about savings, credit management, and investment strategies. Community outreach programs promote long-term financial stability through personalized counseling sessions.
Questions
How do I apply for a loan?
Complete our online loan application or visit our Franklin branch. Our specialists will review your eligibility and discuss available options.
Are my deposits insured?
Yes, all savings are federally insured up to $250,000 through NCUA, a US government agency.
What online banking features are available?
Access real-time transfers, bill payment, mobile deposits, and eStatements through our secure digital platform 24/7.
Do you offer student loan services?
Yes, we provide student loan options with competitive rates and flexible repayment terms.