What are the current interest rates at Chartway Credit Union?

Current rates for Chartway Credit Union include: 12-Month CD: 3.30%, Savings: 0.05%, MMA: 0.50%

MonitorBankRates

☰

Home›
Credit Unions›
Chartway Credit Union

iAdvertiser Disclosure

Chartway Credit Union Rates & Review March 2026

Item: Chartway Credit Union
Rating: 2956
Author: DDDh

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 25, 2026

Chartway Credit Union's 3-Month Promo CD rates are at 3.85%, 6-Month Promo CD rates are at 3.85%, 13-Month Promo CD rates are at 3.80%, 12-Month No Penalty Promo CD rates are at 3.30%. Chartway Credit Union's savings rates are at 0.05%. Chartway Credit Union's money market rates are at 0.50%. Chartway Credit Union's ARM Loan rates are at 5.62%, Purchase Fixed Rate Mortgage rates are at 5.38%, Refinance Fixed Rate Mortgage rates are at 5.38%, VA rates are at 5.62%, FHA rates are at 5.50%. Chartway Credit Union's Personal Loan Rates are at 8.24%. 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 12.84%. Rates were last updated on 03/25/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.84%

Excellent Higher than avg

Chartway Credit Union
Headquarters Office

5700 Cleveland St
Virginia Beach, VA 23462 1752

https://www.chartway.com

Chartway Credit Union CD Rates

Product	Rate	APY	Term
3-Month Promo Certificate	3.80%	3.85%	3
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
6-Month Promo Certificate	3.80%	3.85%	6
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
13-Month Promo Certificate	3.75%	3.80%	13
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
12-Month No Penalty Promo Certificate	3.26%	3.30%	12
Details (Share Certificate Only) Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Savings Rates

Product	Rate	APY
Smart Steps Savings	4.41%	4.50%
Min Balance $0 Details During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Bonus Savings	2.50%	2.50%
Min Balance $100 Details Bonus Savings account promotional rate of 2.50% APY is effective as of 1/31/24. Dividends are paid quarterly. Rate is subject to change. Annual Percentage Yield (APY). Bonus Savings account is available for new and existing members of Chartway Credit Union. To qualify for the offer, Bonus Savings account must be funded completely with new money. New money is defined as funds not currently on deposit with Chartway Credit Union. Funds transferred from IRA accounts are not eligible for this product. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Chartway senior leadership positions (Vice President and above), Board of Directors, and volunteers are not eligible for this product. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Smart Steps Savings	1.24%	1.25%
Min Balance $2,500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Smart Steps Savings	0.75%	0.75%
Min Balance $5,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
IRA Share Savings	0.25%	0.25%
Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
IRA Share Savings IRA Share	0.25%	0.25%
Min Balance $100 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Smart Steps Savings	0.25%	0.25%
Min Balance $10,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Smart Steps Savings	0.05%	0.05%
Min Balance $25,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	4.07%	4.15%
Min Balance $1,000,000 Details Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Money Market Plus	3.69%	3.75%
Min Balance $500,000 Details Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Money Market Plus	2.37%	2.40%
Min Balance $100,000 Details Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Money Market Plus	0.60%	0.60%
Min Balance $50,000 Details Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Money Market Plus	0.55%	0.55%
Min Balance $25,000 Details Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Money Market Plus	0.50%	0.50%
Min Balance $10,000 Details Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Checking Rates

Product	Rate	APY	View More
High-Yield Checking	-	5.00%
Details Qualifying balance up to $1,000.00 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM Loan	5.63%	-	5.73%	5/1
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Purchase Fixed Rate Mortgage	5.38%	0.000	5.82%	15 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Refinance Fixed Rate Mortgage	5.38%	0.000	5.82%	15 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
VA	5.63%	0.375	5.88%	15 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
FHA	5.50%	0.500	6.00%	15 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
VA	5.88%	0.375	6.03%	30 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
ARM Loan	6.00%	-	6.10%	7/1
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Purchase Fixed Rate Mortgage	5.88%	0.000	6.15%	30 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Refinance Fixed Rate Mortgage	5.88%	0.000	6.15%	30 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
FHA	5.63%	0.625	6.19%	30 Years
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
ARM Loan	6.38%	-	6.48%	10/1
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Variable with Fixed Rate Option	-	-	7.25%
Details As Low As Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC	-	-	3.69%
Details As Low As Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Intro HELOC	-	-	3.69%
Details Intro rate expires: 6 months; Regular APR: 7.25% Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New 2025 Auto Loan	-	-	4.50%	1 to 48 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
New 2025 Auto Loan	-	-	4.60%	49 to 60 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Used 2025-2024 Auto Loan	-	-	4.79%	1 to 48 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Used 2025-2024 Auto Loan	-	-	4.85%	49 to 60 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
New 2025 Auto Loan	-	-	5.00%	61 to 66 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
New 2025 Auto Loan	-	-	5.24%	73 to 75 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Used 2025-2024 Auto Loan	-	-	5.25%	61 to 66 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Used 2025-2024 Auto Loan	-	-	5.49%	73 to 75 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
New 2025 Auto Loan	-	-	5.84%	76 to 84 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Used 2025-2024 Auto Loan	-	-	6.09%	76 to 84 months
Details As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%
Business Purpose Auto Loan	-	-	7.75%	5 years
Details As Low As Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Credit Card Rates

Product	Rate	APR	View More
Cash Back Credit Card	-	2.99%
Details Intro rate expires: 12 months; Regular APR: Varies with the market based on the Prime Rate up to 17.89% Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

Chartway Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	8.24%
Details As Low As Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.26%

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.

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 575

Part-Time Employees 13

Branch Locations 42

ATM Locations 39

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.84%

Return on Assets (ROA)

0.2681%

Return on Equity (ROE)

3.2612%

Non-Performing Loans Ratio (NPL)

1.23%

Total Assets

3,203,979,401

Total Amount of Shares and Deposits

2,791,715,260

Total Shares and Deposits < 1 Year

2,550,675,923

Total Shares and Deposits 1 3 Years

229,030,987

Total Shares and Deposits > 3 Years

12,008,349

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

223,994,717

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

223,994,717

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

2,567,720,543

Total Interest Expense (Sum of items 6 8)

43,684,648

Share Certificates

21,508

Number of Accounts for Share Drafts

98,983

IRA KEOGH Accounts

5,942

Number of Accounts for Regular Shares

256,200

All other shares

18,748

Non Member Deposits

Money Market Shares

10,091

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

8,590,877

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,423,010

Total Liabilities

2,946,949,044

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

DDDh

★★★★★

December 17, 2025

ZiTI

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Chartway Credit Union

Frequently Asked Questions About Chartway Credit Union

Is Chartway Credit Union a safe place to deposit money?

Yes, Chartway Credit Union is considered a safe financial institution. With a Texas Ratio of 12.836126061537%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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.