Business Details
50+ Years
experience
Your Trusted Partner for Financial Solutions
For over 60 years, we have delivered a bright way forward for our members by helping them thrive financially. Founded in 1959 by seven civilian workers at the Norfolk Naval Air Station, our institution has grown to serve more than 260,000 members across Virginia, Utah, and Texas. Our long-celebrated 'People First' commitment extends beyond financial services through the Chartway Promise Foundation, which has raised nearly $16 million to support medically fragile children and their families.We prioritize relationships, diversity, community impact, and quality in all we do, offering a full range of banking solutions including checking and savings accounts, loans, credit cards, and investment services. Our team combines decades of experience with a dedication to financial education and inclusion, ensuring members receive expert guidance tailored to their unique needs.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Investment Services
Personal Loans
Business Banking
Details
- Year established: 1959
Highlights and features
- 60+ years of community-focused financial expertise
- Federally insured by the National Credit Union Administration (NCUA)
- Over $16 million raised for community initiatives through our foundation
- Comprehensive digital banking with 24/7 online access
- Personalized financial education and credit-building programs
Associations and certifications
- NCUA
What people say
Member-first approach
Competitive rates
Community involvement
Personalized service
Financial education
Services
High-Yield Checking
Our High-Yield Checking account offers above-market rates with no monthly maintenance fees or minimum balance requirements. Members enjoy 24/7 online and mobile banking access, instant person-to-person payments, and overdraft protection options. This account is ideal for individuals seeking to maximize returns while maintaining easy access to their funds through our extensive branch network and digital platforms.
Smart Steps Savings
The Smart Steps Savings account provides tiered interest rates that reward smaller balances, making it perfect for new savers or those building emergency funds. With a low $5 minimum opening requirement and dividends earned at $100 average daily balance, it combines accessibility with growth potential. Features include mobile deposits, ACH transfers, and integration with our SimpleSavings round-up program.
Auto Loans
We offer competitive auto loans with up to 0.75% APR discount and 60 days of payment deferral. Our Express Auto Check program provides pre-approved financing for faster dealership transactions. Available for new and used vehicles, these loans feature flexible terms, no prepayment penalties, and optional loan protection coverage to safeguard against unexpected life events.
Mortgage Loans
Our mortgage programs include fixed and adjustable-rate options with down payment assistance for first-time buyers. The First-Time Homebuyer Program offers 100% financing while the Hometown Heroes initiative supports essential workers. VA, FHA, and conventional loans are available with competitive rates and personalized guidance through our Mortgage Express App.
Visa Credit Cards
Our Visa portfolio includes rewards, cashback, and credit-building options with no annual fees. The Visa Ignite Card helps establish credit while Preferred Rate and Signature Rewards cards offer tiered benefits. All cards feature contactless payments, zero liability protection, and access to Chartway Rewards for travel, merchandise, and statement credits.
People
Brian Schools
President & Chief Executive Officer
With extensive leadership experience in financial services, Brian Schools drives Chartway's strategic vision while maintaining our member-first philosophy. He oversees operations across multiple states and ensures alignment with our core values of community impact and financial empowerment.
Melinda Barbish
Chair of the Board
Melinda Barbish leads our Board of Directors with a focus on governance and long-term sustainability. Her leadership ensures Chartway maintains regulatory compliance while continuing to innovate our product offerings and community initiatives.
Jackie
VP of Legal
As VP of Legal, Jackie ensures regulatory compliance while advocating for member interests. She collaborates across departments to implement policies that balance legal requirements with our commitment to accessible, community-focused banking.
Brandt
Market Director of Northern Utah
With 30 years in financial services, Brandt leads our Northern Utah operations. He focuses on personalized member support and team development, leveraging his experience to strengthen community relationships and expand our regional impact.
Vanessa
VP of Communications
Vanessa directs our communications strategy, ensuring consistent messaging across all channels. Her background in journalism informs our transparent, member-centric approach to brand storytelling and community engagement.
Questions
What makes Chartway different from traditional banks?
As a credit union, we're member-owned with profits reinvested to benefit members through better rates and lower fees. Our community focus drives initiatives like the Chartway Promise Foundation.
How do I access my accounts outside business hours?
Our 24/7 online and mobile banking platforms allow account access anytime. The mobile app supports mobile deposits, bill payments, and real-time alerts for complete account management.
What loan options are available for first-time homebuyers?
Our First-Time Homebuyer Program offers 100% financing with no down payment required. We also provide VA, FHA, and conventional loans with competitive rates and down payment assistance programs.
How does Chartway support financial education?
We offer free homebuyer workshops, online resources, and personalized guidance from financial professionals. Our partnerships with educational institutions support financial literacy programs for diverse communities.
What security measures protect my accounts?
We use multi-factor authentication, secure access codes, and real-time fraud monitoring. Our systems comply with NCUA regulations, and we never request sensitive information via unsolicited calls or texts.
Can I use Chartway services if I live outside Virginia?
Yes, we serve members nationwide with digital banking access. Physical branches operate in Virginia, Utah, and Texas, but online services are available to all members regardless of location.
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