Business Details
Your Trusted Financial Partner in Charleston, WV
Cha-Tel Federal Credit Union is a member-owned financial institution serving employees and retirees from telecommunications, healthcare, security, and food service industries across five West Virginia counties. As a non-profit cooperative, we reinvest earnings to offer competitive loan rates and dividends while maintaining a commitment to personalized service. Our board of directors, elected annually by members, ensures our operations align with community needs. Staff undergo continuous training to deliver knowledgeable financial guidance.We prioritize accessibility through physical office presence and digital platforms, with annual meetings fostering member engagement in governance. Our location at 1500 MacCorkle Avenue in Charleston provides convenient access to core banking services, including loan programs, savings solutions, and secure online banking. We maintain compliance with ADA standards to ensure inclusive access for all members. With over 3,000 member-owners, we combine local expertise with industry best practices to meet evolving financial needs.
Services
Personal Loans
Mortgage Services
Savings Accounts
Online Banking
Credit Cards
Highlights and features
- We operate as a non-profit cooperative returning earnings to members through better rates
- Our board of directors consists of elected member representatives
- We serve specific industry communities with tailored financial expertise
- Annual member meetings ensure transparent governance
- ADA-compliant services ensure accessibility for all members
Services
Personal Loans
We offer flexible personal loan options with competitive interest rates for member financial needs. Our lending specialists work directly with borrowers to determine appropriate loan terms and amounts. As a non-profit institution, we pass savings to members through favorable loan pricing while maintaining responsible lending practices.
Mortgage Services
Our mortgage programs help members achieve homeownership goals with various loan products tailored to different financial situations. We provide pre-approval assistance, competitive rate locking, and personalized guidance throughout the home buying process. Local underwriting decisions ensure faster approvals for Kanawha Valley properties.
Savings Accounts
We offer multiple savings and checking account options with tiered benefits to match members' financial objectives. Our accounts feature competitive dividends, no hidden fees, and convenient access through mobile banking and local ATMs. Special programs help members build emergency funds and achieve savings milestones.
Online Banking
Our secure online platform enables 24/7 account management including bill payment, fund transfers, and transaction monitoring. The system features budgeting tools, eStatements, and mobile check deposit capabilities. Regular updates ensure compatibility with modern browsers and devices while maintaining strict security protocols.
Credit Cards
We issue Visa credit cards with rewards programs and fraud protection features for member convenience. Lost or stolen card reporting is available 24/7 through our dedicated hotline. Cardholders receive personalized support for payment arrangements and credit limit adjustments based on individual financial circumstances.
Questions
Who can join Cha-Tel Federal Credit Union?
Membership is available to employees and retirees from Frontier, Verizon, AT&T, Life Bridge, Pinkerton Security, AVI Food Systems, and Fibernet working in Kanawha, Putnam, Clay, Boone, and Lincoln counties, plus their family members.
What banking hours does Cha-Tel operate?
We're open Monday 9 AM to 5 PM, Tuesday through Friday 9 AM to 4 PM. The credit union is closed weekends and major holidays observed by financial institutions.
How do I report a lost credit card?
Contact us immediately at 1.800.472.3272 to report lost or stolen Visa cards. Our system allows immediate card deactivation and replacement with expedited shipping options for urgent needs.
Can I access online banking services?
Yes, our secure online banking platform provides 24/7 account access. If you haven't logged in since April 2022, you'll need to complete a simple re-authentication process to maintain security standards.
How are credit union decisions made?
Members elect a volunteer board of directors annually to guide financial decisions. The board establishes policies and rates while professional managers handle daily operations, ensuring member interests remain central to all decisions.
What accessibility features are available?
We comply with ADA standards through accessible website design, physical branch accommodations, and assistive technology support. Contact us directly at 304.344.3330 for specific accessibility needs or website navigation assistance.
