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iAdvertiser Disclosure
Advertiser Disclosure
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 Chelsea Employees Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 11, 2026
Chelsea Employees Federal Credit Union's 12 month CDs of Deposit rates are at 3.66%, 6 month CDs of Deposit rates are at 3.66%, IRA CDs - 12 month Traditional & Roth IRA's rates are at 3.66%, 24 month CDs of Deposit rates are at 3.04%, 36 month CDs of Deposit rates are at 3.04%. Chelsea Employees Federal Credit Union's savings rates are at 0.15%. Chelsea Employees Federal Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Chelsea Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.35%. Rates were last updated on 04/11/2026. Chelsea Employees Federal 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 Chelsea Employees Federal Credit Union? Share your experience about Chelsea Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Chelsea Employees Federal Credit Union. Chelsea Employees Federal Credit Union
Credit Union 311 Chestnut St
https://www.chelseaefcu.org Chelsea, MA 02150 
Chelsea Employees Federal Credit Union CD Rates
Chelsea Employees Federal Credit Union Savings Rates
Chelsea Employees Federal Credit Union Checking Rates
Chelsea Employees Federal Credit Union Home Equity & HELOC
Chelsea Employees Federal Credit Union Auto Loan Rates
Chelsea Employees Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Chelsea Employees Federal 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 Chelsea Employees Federal 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 Chelsea Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Chelsea Employees Federal Credit Union
Website
https://www.chelseaefcu.org
Address
311 Chestnut St,
Chelsea, MA 02150
Phone
617-884-3599
Fax
617-889-6740
President
Patrice Montefusco
CEO
Bruce Black
Full-Time Employees
4
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.35%
Return on Assets (ROA)
0.5233%
Return on Equity (ROE)
6.1255%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
20,784,130
Total Amount of Shares and Deposits
18,638,010
Total Shares and Deposits < 1 Year
18,638,009
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
243,709
Total Uninsured Shares and Deposits > $250K (F+J)
243,709
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,394,301
Total Interest Expense (Sum of items 6 8)
111,658
Number of Accounts for Share Drafts
953
IRA KEOGH Accounts
39
Number of Accounts for Regular Shares
2,597
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,198,172
Total Liabilities
19,008,631
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Chelsea Employees Federal Credit UnionIs Chelsea Employees Federal Credit Union a safe place to deposit money?Yes, Chelsea Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3470590521313%, 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 Chelsea Employees Federal Credit Union operate?Chelsea Employees Federal 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 Chelsea Employees Federal Credit Union?Yes, to access services at Chelsea Employees Federal 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, Chelsea Employees Federal 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, Chelsea Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Chelsea Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Chelsea Employees Federal 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.chelseaefcu.org. Current Chelsea Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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