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Chartway Credit Union

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Chartway Credit Union Rates & Review November 2026

Q: What are the current interest rates at Chartway Credit Union?

Current rates for Chartway Credit Union include: 12-Month CD: 1.40%, 18-Month CD: 2.35%, 24-Month CD: 1.75%, 60-Month CD: 2.15%, Savings: 4.50%, MMA: 4.00%

Q: What CD terms does Chartway Credit Union offer?

Chartway Credit Union CD rates are 1.40% APY for a 12 month CD, 2.35% APY for a 17 month CD, 2.35% APY for an 18 month CD, 1.75% APY for a 23 month CD, 1.75% APY for a 2 year CD, 2.25% APY for a 35 month CD, 2.15% APY for a 47 month CD, 2.15% APY for a 59 month CD and 2.15% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Chartway Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

Chartway Credit Union's CD - 12-17 Month rates are at 2.35%, CD - 24-35 Month rates are at 2.25%, CD - 36-47 Month rates are at 2.15%, CD - 48-59 Month rates are at 2.15%, CD - 18-23 Month rates are at 1.75%. Chartway Credit Union's savings rates are at 4.50%. Chartway Credit Union's money market rates are at 4.00%. Chartway Credit Union's checking rates are as high as 5.00%. Chartway Credit Union's ARM Loan Options - 5/1 rates are at 6.25%, ARM Loan Options - 5/5 rates are at 6.25%, ARM Loan Options - 7/1 rates are at 6.62%, Fixed Rate Mortgage rates are at 6.75%. Chartway Credit Union's Personal Loan Rates are as low as 8.24%. Chartway Credit Union's Credit Card Rates are at 10.99%. Chartway Credit Union's CD rates are 18% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Chartway Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.30%. Rates last updated and verified on 10/31/2026.

Chartway Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Chartway Credit Union? Share your experience about Chartway Credit Union by leaving a review below, or read customer reviews before you decide to use Chartway Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.30%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Chartway Credit Union
Headquarters Office

5700 Cleveland St
Virginia Beach, VA 23462-1752

https://www.chartway.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Chartway Credit Union CD Rates

Product	Rate	APY	Term
13-Month Promo Certificate	4.38%	4.45%	13 months
Min Deposit $500 Details Promotional certificate for new and existing members, funded with new deposits; $100 minimum if under 18; renews at the current 12-month rate; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.45% ▲ 0.70 pts · high 4.45% / low 3.75% Oct 2, 20264.45%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
6-Month Promo Certificate	4.23%	4.30%	6 months
Min Deposit $500 Details Promotional certificate for new and existing members, funded with new deposits; $100 minimum if under 18; renews at the current 6-month rate; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 4.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
12-Month No Penalty Promo Certificate (Share Certificate Only)	3.26%	3.30%	12 months
Min Deposit $500 Details No penalty: one withdrawal without penalty after 7 days, additional withdrawals subject to 90 days' dividends penalty; funded with new deposits; $100 minimum if under 18; renews at the current 12-month No Penalty rate; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Share Certificate - 12-17 Month	2.33%	2.35%	12-17 months
Details Early withdrawal penalty applies; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Share Certificate - 24-35 Month	2.23%	2.25%	24-35 months
Details Early withdrawal penalty applies; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Share Certificate - 36-47 Month	2.13%	2.15%	36-47 months
Details Early withdrawal penalty applies; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Share Certificate - 48-59 Month	2.13%	2.15%	48-59 months
Details Early withdrawal penalty applies; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Share Certificate - 18-23 Month	1.74%	1.75%	18-23 months
Details Early withdrawal penalty applies; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Share Certificate - 6-11 Month	1.39%	1.40%	6-11 months
Details Early withdrawal penalty applies; not available in VA, NC, UT, NV, or TX Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Savings Rates

Product	Rate	APY
Smart Steps Savings	4.41%	4.50%
Min Balance $0 Details Balance: $0.00 - $2,499.99; Promotional APY of 5.00% applies during the first 6 months to the first tier up to $2,499.99; Limited to personal accounts; one account per member Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Bonus Savings	2.50%	2.50%
Min Balance $100 Details Promotional rate effective as of 1/31/24; dividends paid quarterly; available to new and existing members; must be funded completely with new money (funds not currently on deposit with Chartway); IRA transfers not eligible; not available to Chartway senior leadership (VP and above), Board of Directors, or volunteers Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Smart Steps Savings	1.24%	1.25%
Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99; Limited to personal accounts; one account per member Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Smart Steps Savings	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Limited to personal accounts; one account per member Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
IRA Share Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100.00 - $99,999,99 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
IRA Share Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
IRA Share Savings	0.25%	0.25%
Min Balance $150,000 Details Balance: $150,000 + Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Smart Steps Savings	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Limited to personal accounts; one account per member Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Custom Share	0.05%	0.05%
Min Balance $100 Details Fees could reduce earnings (applies only to maintenance or activity fees) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Prime Share	0.05%	0.05%
Min Balance $100 Details Fees could reduce earnings (applies only to maintenance or activity fees) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Smart Steps Savings	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000.00 and over; Limited to personal accounts; one account per member Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Prime Share	0.05%	0.05%
Min Balance $100 Details Fees could reduce earnings (applies only to maintenance or activity fees) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 +; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Plus	3.69%	3.75%
Min Balance $500,000 Details Balance: $500,000 - $999,999; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Plus	-	2.65%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Plus	-	2.65%
Min Balance $250,000 Details Balance: $250,000 - $499,999; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Plus	-	0.85%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Plus	-	0.80%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Plus	-	0.75%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus) Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Account	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Effective 10-30-2026 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Account	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Effective 10-30-2026 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Account	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Effective 10-30-2026 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Account	0.40%	0.40%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99; Effective 10-30-2026 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Account	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 +; Effective 10-30-2026 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Money Market Account	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99; Effective 10-30-2026 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking	4.89%	5.00%
Details Qualifications Required; Balance: up to $15,000.00; Balances over $15,000 priced at prime share rate (0.05% dividend / 0.05% APY); Additional 0.30% APY with qualified Chartway loan or Chartway Visa credit card Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM Loan Options - 5/1	6.25%	-	6.35%	5/1
Details Effective 10-30-2026 Last Updated 10/31/2026 Rate History 2 changes since Oct 20, 2026 · 6.35% → 6.35% ▼ 0.00 pts · high 6.35% / low 6.23% Oct 31, 20266.35%▲ from 6.23% Oct 26, 20266.23%▼ from 6.35% Oct 20, 20266.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
ARM Loan Options - 5/5	6.25%	-	6.35%	5/5
Details Effective 10-30-2026 Last Updated 10/31/2026 Rate History 2 changes since Oct 20, 2026 · 6.35% → 6.35% ▼ 0.00 pts · high 6.35% / low 6.23% Oct 31, 20266.35%▲ from 6.23% Oct 26, 20266.23%▼ from 6.35% Oct 20, 20266.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
ARM Loan Options - 7/1	6.625%	-	6.725%	7/1
Details Effective 10-30-2026 Last Updated 10/31/2026 Rate History 2 changes since Oct 20, 2026 · 6.73% → 6.73% ▼ 0.00 pts · high 6.73% / low 6.60% Oct 31, 20266.73%▲ from 6.60% Oct 26, 20266.60%▼ from 6.73% Oct 20, 20266.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Fixed Rate Mortgage	6.75%	-	7.35%	30 Years
Details Effective 10-30-2026 Last Updated 10/31/2026 Rate History 2 changes since Oct 7, 2026 · 7.37% → 7.35% ▼ 0.02 pts · high 7.45% / low 7.35% Oct 26, 20267.35%▼ from 7.45% Oct 20, 20267.45%▲ from 7.37% Oct 7, 20267.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity - Equity Loan	-	-	6.50%	Up to 240 months
Details As Low As; Max LTV: 90%; Maximum APR is 18%; Fees generally $300 to $850 may apply; Rates subject to change after opening Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Home Equity - Fixed Rate Option	-	-	6.50%	Up to 180 months
Details As Low As; Max LTV: "--"; Maximum APR is 18%; Fees generally $300 to $850 may apply; Rates subject to change after opening Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Home Equity - Variable with Fixed Rate Option	-	-	7.00%
Details As Low As; Max LTV: 90%; Term shown as "--"; Maximum APR is 18%; Annual Percentage Rate may vary; Fees generally $300 to $850 may apply; Rates subject to change after opening Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New 2026 (6,000 miles or less)	-	-	4.65%	1 to 48 months
Details As Low As; Minimum Loan Amount: No minimum; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.40% → 4.65% ▲ 0.25 pts · high 4.65% / low 4.40% Oct 31, 20264.65%▲ from 4.40% Oct 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - Used 2026-2025	-	-	4.65%	1 to 48 months
Details As Low As; Minimum Loan Amount: No minimum; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.40% → 4.65% ▲ 0.25 pts · high 4.65% / low 4.40% Oct 31, 20264.65%▲ from 4.40% Oct 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - New 2026 (6,000 miles or less)	-	-	4.75%	49 to 60 months
Details As Low As; Minimum Loan Amount: No minimum; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 31, 20264.75%▲ from 4.50% Oct 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - Used 2026-2025	-	-	4.75%	49 to 60 months
Details As Low As; Minimum Loan Amount: No minimum; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50% Oct 31, 20264.75%▲ from 4.50% Oct 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - New 2026 (6,000 miles or less)	-	-	5.00%	61 to 66 months
Details As Low As; Minimum Loan Amount: $15,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 31, 20265.00%▲ from 4.75% Oct 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - New 2026 (6,000 miles or less)	-	-	5.00%	67 to 72 months
Details As Low As; Minimum Loan Amount: $15,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 31, 20265.00%▲ from 4.75% Oct 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - Used 2026-2025	-	-	5.00%	61 to 66 months
Details As Low As; Minimum Loan Amount: $15,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 31, 20265.00%▲ from 4.75% Oct 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - Used 2026-2025	-	-	5.00%	67 to 72 months
Details As Low As; Minimum Loan Amount: $15,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75% Oct 31, 20265.00%▲ from 4.75% Oct 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - New 2026 (6,000 miles or less)	-	-	5.39%	73 to 75 months
Details As Low As; Minimum Loan Amount: $20,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 5.14% → 5.39% ▲ 0.25 pts · high 5.39% / low 5.14% Oct 31, 20265.39%▲ from 5.14% Oct 14, 20265.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - Used 2026-2025	-	-	5.39%	73 to 75 months
Details As Low As; Minimum Loan Amount: $20,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 5.14% → 5.39% ▲ 0.25 pts · high 5.39% / low 5.14% Oct 31, 20265.39%▲ from 5.14% Oct 14, 20265.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - New 2026 (6,000 miles or less)	-	-	6.09%	76 to 84 months
Details As Low As; Minimum Loan Amount: $25,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 5.84% → 6.09% ▲ 0.25 pts · high 6.09% / low 5.84% Oct 31, 20266.09%▲ from 5.84% Oct 14, 20265.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Auto Loan - Used 2026-2025	-	-	6.09%	76 to 84 months
Details As Low As; Minimum Loan Amount: $25,000; Rates shown with all applicable discounts Last Updated 10/31/2026 Rate History 1 change since Oct 14, 2026 · 5.84% → 6.09% ▲ 0.25 pts · high 6.09% / low 5.84% Oct 31, 20266.09%▲ from 5.84% Oct 14, 20265.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan - Motorhome New	-	4.84%	Up to 180 Months
Details As Low As; New; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Travel Trailers New	-	4.84%	Up to 180 Months
Details As Low As; New; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 4.84% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Boats New	-	4.94%	Up to 120 Months
Details As Low As; New; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 4.94% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Other RVs New	-	5.25%	Up to 78 Months
Details As Low As; New; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Motorhome Used	-	5.34%	Up to 180 Months
Details As Low As; Used; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Travel Trailers Used	-	5.34%	Up to 180 Months
Details As Low As; Used; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Motorcycles New	-	5.40%	Up to 78 Months
Details As Low As; New; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 5.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Boats Used	-	5.50%	Up to 120 Months
Details As Low As; Used; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Other Watercraft New	-	5.50%	Up to 78 Months
Details As Low As; New; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Other RVs Used	-	6.45%	Up to 78 Months
Details As Low As; Used; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Motorcycles Used	-	6.60%	Up to 78 Months
Details As Low As; Used; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.60% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Recreational Vehicle Loan - Other Watercraft Used	-	6.70%	Up to 78 Months
Details As Low As; Used; Rate shown with all applicable discounts and lowest term; discounts may not exceed 0.50% APR Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Credit Card Rates

Product	Rate	APR
Visa Credit Card - Preferred Rate	-	10.99%
Details As Low As; Variable APR; Revolving Account Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 10.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Visa Credit Card - Rewards	-	12.99%
Details As Low As; Variable APR; Revolving Account Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Visa Credit Card - Cash Back	-	13.99%
Details As Low As; Variable APR; Revolving Account Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.24%	Up to 60 Months
Details As Low As; Annual Percentage Rate (APR) Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Chartway Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
First-Time Homebuyer Loan	6.75%	-	7.35%	30 Years
Details Effective 10-30-2026 Last Updated 10/31/2026 Rate History 2 changes since Oct 7, 2026 · 7.37% → 7.35% ▼ 0.02 pts · high 7.45% / low 7.35% Oct 26, 20267.35%▼ from 7.45% Oct 20, 20267.45%▲ from 7.37% Oct 7, 20267.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%
Line of Credit	-	-	12.24%	Revolving Account
Details As Low As; Annual Percentage Rate (APR) Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 12.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Chartway Credit Union’s Texas Ratio stayed near 9.95% in Q3 2023 to 10.30% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.2B	10.30%	5.0	A
March 31, 2026	$3.3B	10.46%	5.0	A
December 31, 2025	$3.2B	10.56%	5.0	A
September 30, 2025	$3.2B	11.31%	5.0	A
June 30, 2025	$3.1B	11.94%	5.0	A
March 31, 2025	$3.1B	11.89%	5.0	A
December 31, 2024	$3.1B	15.02%	5.0	A-
September 30, 2024	$3.0B	11.10%	5.0	A
June 30, 2024	$3.0B	12.37%	5.0	A
March 31, 2024	$3.0B	11.62%	5.0	A
December 31, 2023	$2.9B	11.51%	5.0	A
September 30, 2023	$2.9B	9.95%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Chartway Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Chartway Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Chartway Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Chartway Credit Union

Website https://www.chartway.com

Address 5700 Cleveland St, Virginia Beach, VA 23462-1752

Phone 757-552-1000

Fax 757-497-0158

President Melinda Barbish

CEO Brian Schools

Full-Time Employees 559

Part-Time Employees 21

Branch Locations 34

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.30%

Return on Assets (ROA)

0.2033%

Return on Equity (ROE)

2.4278%

Non-Performing Loans Ratio (NPL)

1.15%

Total Assets

3,228,466,783

Total Amount of Shares and Deposits

2,922,083,615

Total Shares and Deposits < 1 Year

2,787,072,613

Total Shares and Deposits 1 3 Years

125,921,737

Total Shares and Deposits > 3 Years

9,089,266

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

276,523,746

Total Uninsured Shares and Deposits > $250K (F+J)

276,523,746

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,645,559,869

Total Interest Expense (Sum of items 6 8)

27,902,010

Share Certificates

21,856

Number of Accounts for Share Drafts

98,656

IRA KEOGH Accounts

5,755

Number of Accounts for Regular Shares

238,121

All other shares

22,389

Non Member Deposits

Money Market Shares

10,488

Net Income (unless the amount is already included in Undivided Earnings)

6,562,532

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,611,313

Total Liabilities

2,960,252,711

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Chartway Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Chartway Credit Union

Frequently Asked Questions About Chartway Credit Union

Does Chartway Credit Union offer CDs?

Yes. Chartway Credit Union current CD rates include its CD - 12-17 Month at 2.35% APY, its CD - 24-35 Month at 2.25% APY and its CD - 36-47 Month at 2.15% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from Chartway Credit Union NCUA insured?

Yes. Chartway Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Chartway Credit Union?

The highest Chartway Credit Union CD rate is its 13-Month Promo CD at 4.45% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does Chartway Credit Union offer?

Chartway Credit Union CD rates are 1.40% APY for a 12 month CD, 2.35% APY for a 17 month CD, 2.35% APY for an 18 month CD, 1.75% APY for a 23 month CD, 1.75% APY for a 2 year CD, 2.25% APY for a 35 month CD, 2.15% APY for a 47 month CD, 2.15% APY for a 59 month CD and 2.15% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Chartway Credit Union for its full lineup.

What is the highest savings rate at Chartway Credit Union?

The highest Chartway Credit Union savings rate is its Smart Steps Savings at 4.50% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at Chartway Credit Union?

The highest Chartway Credit Union money market rate is its Money Market Plus at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at Chartway Credit Union?

The highest Chartway Credit Union checking rate is its High-Yield Checking at 5.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest mortgage rate at Chartway Credit Union?

The lowest Chartway Credit Union mortgage rate is its ARM Loan Options - 5/1 at 6.25%, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at Chartway Credit Union?

The lowest Chartway Credit Union auto loan rate is its Auto Loan - New 2026 (6,000 miles or less) at 4.65% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at Chartway Credit Union?

The lowest Chartway Credit Union personal loan rate is its Signature Loan at 8.24% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at Chartway Credit Union?

The lowest Chartway Credit Union credit card APR is its Visa Credit Card - Preferred Rate at 10.99% APR, verified by MonitorBankRates as of October 31, 2026.

How many branches does Chartway Credit Union operate?

Chartway Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Chartway Credit Union?

Yes, to access services at Chartway Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Chartway Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chartway Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Chartway Credit Union offer online and mobile banking?

Most modern institutions like Chartway Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.chartway.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Chartway Credit Union rates compare?

Chartway Credit Union's CD rates are 18% lower than the MonitorBankRates national average, and it has an A health rating. Chartway Credit Union's top rates are its 13-Month Promo CD at 4.45% APY, its Smart Steps Savings at 4.50% APY, its Money Market Plus at 4.00% APY, its High-Yield Checking at 5.00% APY, its ARM Loan Options - 5/1 at 6.25%, its Signature Loan at 8.24% APR and its Visa Credit Card - Preferred Rate at 10.99% APR, verified by MonitorBankRates on October 31, 2026.

Current Chartway Credit Union Rates

12-Month CD1.40%
18-Month CD2.35%
24-Month CD1.75%
60-Month CD2.15%
Savings4.50%
MMA4.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Chartway Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Chartway Credit Union Texas Ratio

Chartway Credit Union Health Trend

Chartway Credit Union CD Rates

Chartway Credit Union Savings Rates

Chartway Credit Union Business Savings Rates

Chartway Credit Union Money Market Rates

Chartway Credit Union Checking Rates

Chartway Credit Union Mortgage Rates

Chartway Credit Union Home Equity & HELOC

Chartway Credit Union Auto Loan Rates

Chartway Credit Union RV, Boat and Powersport Loan Rates

Chartway Credit Union Credit Card Rates

Chartway Credit Union Personal Loan Rates

Chartway Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Chartway Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Chartway Credit Union

Does Chartway Credit Union offer CDs?

Are CDs from Chartway Credit Union NCUA insured?

What is the highest CD rate at Chartway Credit Union?

What CD terms does Chartway Credit Union offer?

What is the highest savings rate at Chartway Credit Union?

What is the highest money market rate at Chartway Credit Union?

What is the highest checking rate at Chartway Credit Union?

What is the lowest mortgage rate at Chartway Credit Union?

What is the lowest auto loan rate at Chartway Credit Union?

What is the lowest personal loan rate at Chartway Credit Union?

What is the lowest credit card APR at Chartway Credit Union?

How many branches does Chartway Credit Union operate?

Is a member application needed to join Chartway Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Chartway Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Chartway Credit Union rates compare?

Current Chartway Credit Union Rates

Compare to Other Credit Unions