Business Details
50+ Years
experience
Your Trusted Community Credit Union in Chillicothe, OH
Chivaho Federal Credit Union has been dedicated to building member wealth and security through affordable financial services since 1948. As a member-owned, not-for-profit institution, we prioritize personalized service and community impact over profit margins. Our roots began with seven founding members contributing $5 each to establish cooperative financial services for the Chillicothe, Ohio community. Today, we serve all residents of Ross County, offering competitive rates on savings accounts, loans, and mortgages while maintaining the lowest possible fees. Our board of directors, elected by members, ensures our operations remain aligned with member needs rather than corporate interests. We provide 24/7 digital banking access alongside in-person services at our VA Campus and Main Office branches.Our commitment to financial education through MoneyEd courses empowers members to make informed decisions. With a focus on local economic growth, we offer specialized programs like the Here for You Loan for unexpected expenses and flexible mortgage options. Our team of experienced professionals, led by CEO Laura A Roberts, treats every member as a valued partner rather than an account number. Through our community reinvestment efforts, we strive to strengthen the financial well-being of Ross County residents while maintaining the highest standards of transparency and ethical conduct.
Services
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Online Banking
Student Loans
Notary Services
Money Orders
Financial Education
Remote Deposit
Details
- Year established: 1948
Highlights and features
- We offer 24/7 digital banking with biometric login security
- Our rates include 9.90% APR fixed rate credit cards
- Member Advantage Auto Loans start at 4.99% APR for 75 months
- We provide personalized mortgage guidance from local professionals
- Our Here for You Loan offers $3,500 at 5.99% APR with no collateral
What people say
Exceptional member service
Competitive loan rates
Helpful staff
Easy online access
Community focus
Services
Auto Loans
Chivaho FCU offers competitive auto loan rates starting at 5.99% APR for both new and used vehicles. Our flexible terms include no payments for 90 days and no prepayment penalties. Members enjoy fast approvals and the option to apply online, by phone, or in person at either our Main Office or VA Campus Branch locations in Chillicothe, Ohio.
Mortgage Loans
We provide comprehensive mortgage solutions including conventional, FHA, and VA loans with terms up to 30 years. Our local mortgage professionals guide members through the process while offering some of the industry's lowest closing costs. The credit union specializes in helping first-time homebuyers and refinancing options for existing homeowners in Ross County.
Online Banking
Our reimagined digital platform features biometric login, remote check deposit, and real-time account management. The mobile app allows 24/7 access to bill pay, loan applications, and secure messaging with member service representatives. Users can manage multiple accounts and set customized transaction alerts through an intuitive interface.
Savings Accounts
We offer various savings options including the Early Bird Savings Club, money market accounts, and IRAs. Our competitive interest rates help members grow their wealth while maintaining easy access to funds. Special programs provide free checks for seniors and flexible certificate terms for different investment horizons.
Financial Education
Through our MoneyEd program, members access free financial literacy courses covering budgeting, debt management, and investment basics. The credit union provides calculators and personalized guidance to help members make informed financial decisions. These resources support our mission to strengthen community financial wellness.
People
Laura A Roberts
CEO
Laura A Roberts leads Chivaho Federal Credit Union with over 25 years of experience in member-focused financial services. She champions community development initiatives while maintaining operational excellence. Her leadership emphasizes personalized service and financial education programs for Ross County residents.
Questions
What are Chivaho FCU's branch hours?
Our Main Office and VA Campus Branch are open Monday-Friday 8:30 AM-5:00 PM. Online banking services are available 24/7.
How can I apply for a loan?
Apply online through our secure portal, call 866-695-4142, or visit either Chillicothe branch. Mortgage applications require an appointment.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 through the NCUA, with additional coverage available through the Alliant Extra program.
Do you offer student loans?
We partner with Sallie Mae to provide competitive student loan options for education financing needs.
What online banking features are available?
Our digital platform includes bill pay, remote check deposit, account transfers, loan applications, and secure messaging with staff.
How do I report a lost debit card?
Contact member service immediately at 740-775-3381 during business hours or use our after-hours audio teller system.