What are the current interest rates at Chessie Federal Credit Union?

Current rates for Chessie Federal Credit Union include: 12-Month CD: 2.78%, 24-Month CD: 3.04%, 60-Month CD: 3.82%, Savings: 0.10%, MMA: 1.36%

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Chessie Federal Credit Union

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Chessie Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Chessie Federal Credit Union?

Yes, to access services at Chessie 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Chessie Federal Credit Union's top rates as of October 12, 2026 are 3.82% APY on its 60 Month IRA CD, 0.10% APY on savings, 1.36% APY on money market accounts, 0.10% APY on checking, 6.00% on its Fixed Rate Mortgage - 10 years, personal loans from 10.49% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Chessie Federal Credit Union CD rates include 60 Month CD at 3.82%, 48 Month IRA CD at 3.56%, and 48 Month CD at 3.56%. Other Chessie Federal Credit Union mortgage rates include Fixed Rate Mortgage - 20 years at 6.25%, Fixed Rate Mortgage - 30 years at 6.50%, and Adjustable Rate Mortgage 5/1 at 6.62%. MonitorBankRates evaluates the financial stability of Chessie Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.92%. Rates last updated and verified on 10/12/2026.

Chessie 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 Chessie Federal Credit Union? Share your experience about Chessie Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Chessie Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.92%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Chessie Federal Credit Union
Commerce Drive

15 Commerce Dr
Cumberland, MD 21502

https://www.chessiefcu.org

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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.

Chessie Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Share Certificate	3.75%	3.82%	60 months
Min Deposit $500 Details IRA Share Certificate; Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30% Oct 12, 20263.82%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
60 Month Share Certificate	3.75%	3.82%	60 months
Min Deposit $500 Details Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.82% ▲ 0.52 pts · high 3.82% / low 3.30% Oct 12, 20263.82%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
48 Month IRA Share Certificate	3.50%	3.56%	48 months
Min Deposit $500 Details IRA Share Certificate; Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20% Oct 12, 20263.56%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
48 Month Share Certificate	3.50%	3.56%	48 months
Min Deposit $500 Details Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.56% ▲ 0.36 pts · high 3.56% / low 3.20% Oct 12, 20263.56%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
36 Month IRA Share Certificate	3.25%	3.30%	36 months
Min Deposit $500 Details IRA Share Certificate; Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14% Oct 12, 20263.30%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
36 Month Share Certificate	3.25%	3.30%	36 months
Min Deposit $500 Details Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14% Oct 12, 20263.30%▲ from 3.14% Sep 14, 20263.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
24 Month IRA Share Certificate	3.00%	3.04%	24 months
Min Deposit $500 Details IRA Share Certificate; Minimum $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
24 Month Share Certificate	3.00%	3.04%	24 months
Min Deposit $500 Details Minimum $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
12 Month IRA Share Certificate	2.75%	2.78%	12 months
Min Deposit $500 Details IRA Share Certificate; Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Oct 12, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
12 Month Share Certificate	2.75%	2.78%	12 months
Min Deposit $500 Details Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53% Oct 12, 20262.78%▲ from 2.53% Sep 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
6 Month IRA Share Certificate	2.50%	2.53%	6 months
Min Deposit $500 Details IRA Share Certificate; Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27% Oct 12, 20262.53%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
6 Month Share Certificate	2.50%	2.53%	6 months
Min Deposit $500 Details Minimum $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27% Oct 12, 20262.53%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Moola-Moola Kids Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Share Savings	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Vacation Club	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.35%	1.36%
Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.36% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Money Market Account	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000 - $199,000 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Money Market Account	1.05%	1.06%
Min Balance $40,000 Details Balance: $40,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Money Market Account	0.95%	0.95%
Min Balance $10,000 Details Balance: $10,000 - $39,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Money Market Account	0.90%	0.90%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Checking Rates

Product	Rate	APY
Premier Checking	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Young at Heart Plus Checking	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage - 10 years	-	-	6.00%	10 years
Details Rates as low as; Some restrictions apply. Call for details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Fixed Rate Mortgage - 20 years	-	-	6.25%	20 years
Details Rates as low as; Some restrictions apply. Call for details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Fixed Rate Mortgage - 30 years	-	-	6.50%	30 years
Details Rates as low as; Some restrictions apply. Call for details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Adjustable Rate Mortgage 5/1	-	-	6.625%
Details As Low As; 5/1 ARM; Some restrictions apply. Call for details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Adjustable Rate Mortgage 7/1	-	-	6.625%
Details As Low As; 7/1 ARM; Some restrictions apply. Call for details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Adjustable Rate Mortgage 10/1	-	-	6.875%
Details As Low As; 10/1 ARM; Some restrictions apply. Call for details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed 5 years	-	-	5.50%	60 months
Details As Low As; Rates as low as Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 4.75% → 5.50% ▲ 0.75 pts · high 5.50% / low 4.75% Oct 8, 20265.50%▲ from 4.75% Sep 14, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Equity Fixed 7 years	-	-	5.75%	84 months
Details As Low As; Rates as low as Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.75% ▲ 0.75 pts · high 5.75% / low 5.00% Oct 8, 20265.75%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Equity Fixed 10 years	-	-	6.00%	120 months
Details As Low As; Rates as low as Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.25% → 6.00% ▲ 0.75 pts · high 6.00% / low 5.25% Oct 8, 20266.00%▲ from 5.25% Sep 14, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Equity Fixed 15 years	-	-	6.25%	180 months
Details As Low As; Rates as low as Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 6.25% ▲ 0.75 pts · high 6.25% / low 5.50% Oct 8, 20266.25%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Home Equity LOC	-	-	6.50%	300 months
Details As Low As; Rates as low as Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 8, 20266.50%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto (2024-NEWER)	-	-	3.99%	48 month
Details As Low As; Auto 0-48 months (up to 110%) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)	-	-	4.24%	60 months
Details As Low As; 49-60 months (up to 110%) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)	-	-	4.99%	72 months
Details As Low As; 61-72 months (up to 110%) Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (20-23)	-	-	4.99%	48 months
Details As Low As; up to 110% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New/Used Auto (2024-NEWER)	-	-	5.24%	84 months
Details As Low As; 73-84 months (up to 110% $25K or more) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (20-23)	-	-	5.24%	60 months
Details As Low As; up to 110% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (20-23)	-	-	5.99%	72 months
Details As Low As; up to 110% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (22-23)	-	-	6.24%	84 months
Details As Low As; up to 110% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (16-19)	-	-	6.49%	48 months
Details As Low As; up to 100% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (16-19)	-	-	6.99%	60 months
Details As Low As; up to 100% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Auto (2015 and older)	-	-	8.24%	48 months
Details As Low As; up to 100% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used Motorcycle/ATV (24-NEWER) Loan	-	5.74%	48 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New/Used Motorcycle/ATV (24-NEWER) Loan	-	6.49%	60 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New/Used Motorcycle/ATV (24-NEWER) Loan	-	6.99%	72 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (20-23) Loan	-	6.99%	48 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New/Used Motorcycle/ATV (24-NEWER) Loan	-	7.49%	84 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (20-23) Loan	-	7.49%	60 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (16-19) Loan	-	7.99%	48 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (20-23) Loan	-	7.99%	72 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (16-19) Loan	-	8.24%	60 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (20-23) Loan	-	8.49%	84 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Motorcycle/ATV (15-OLDER) Loan	-	9.49%	48 months
Details As Low As; APR as low as Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New Boat (2024-NEWER) Loan	-	10.24%	up to 72 months
Details As Low As; Boat loans Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
New RV (2024-NEWER) Loan	-	10.24%	up to 72 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used Boat (2023-OLDER) Loan	-	10.74%	up to 72 months
Details As Low As; Boat loans Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Used RV (2023-OLDER) Loan	-	10.74%	up to 72 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	12.24%
Details As Low As; Rates based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	10.49%	up to 60 months
Details As Low As; Personal Loans Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

Chessie Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Lot Loans	-	-	4.75%
Details As Low As; Annual Percentage Rate; Chessie Lending Team featured rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Lot Loans - 3 year balloon	-	-	6.50%	36 months
Details As Low As; Lot loan, 3 year balloon Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.75% → 6.50% ▲ 1.75 pts · high 6.50% / low 4.75% Oct 8, 20266.50%▲ from 4.75% Sep 25, 20264.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Lot Loans - 5 year balloon	-	-	6.00%	60 months
Details As Low As; Lot loan, 5 year balloon Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.25% → 6.00% ▲ 0.75 pts · high 6.00% / low 5.25% Oct 8, 20266.00%▲ from 5.25% Sep 25, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%
Educational IRA	2.50%	-	2.53%
Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.27% → 2.53% ▲ 0.26 pts · high 2.53% / low 2.27% Oct 8, 20262.53%▲ from 2.27% Sep 14, 20262.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.92%

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

Chessie Federal Credit Union’s Texas Ratio fell from 7.84% in Q3 2023 to 2.92% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$434M	2.92%	5.0	A+
March 31, 2026	$433M	2.87%	5.0	A+
December 31, 2025	$416M	2.62%	5.0	A+
September 30, 2025	$422M	5.62%	5.0	A+
June 30, 2025	$422M	3.21%	5.0	A+
March 31, 2025	$420M	2.71%	5.0	A+
December 31, 2024	$406M	4.48%	5.0	A+
September 30, 2024	$407M	5.05%	5.0	A+
June 30, 2024	$417M	7.43%	5.0	A
March 31, 2024	$421M	9.44%	5.0	A
December 31, 2023	$412M	11.45%	5.0	A
September 30, 2023	$422M	7.84%	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 Chessie 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 Chessie 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 Chessie Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Chessie Federal Credit Union

Website https://www.chessiefcu.org

Address 15 Commerce Dr, Cumberland, MD 21502

Phone 301-777-1781

Fax 301-777-1757

President Walter Beall

CEO Scott Kline

Full-Time Employees 94

Part-Time Employees 3

Branch Locations 11

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.92%

Return on Assets (ROA)

0.6213%

Return on Equity (ROE)

4.4915%

Non-Performing Loans Ratio (NPL)

0.82%

Total Assets

434,391,186

Total Amount of Shares and Deposits

372,328,763

Total Shares and Deposits < 1 Year

343,822,293

Total Shares and Deposits 1 3 Years

22,299,038

Total Shares and Deposits > 3 Years

6,207,432

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

7,165,665

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

7,165,665

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

365,163,098

Total Interest Expense (Sum of items 6 8)

1,304,098

Share Certificates

2,074

Number of Accounts for Share Drafts

17,346

IRA KEOGH Accounts

1,136

Number of Accounts for Regular Shares

38,519

All other shares

677

Money Market Shares

638

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)

82,251,262

Total Liabilities

374,335,957

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Chessie Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Chessie Federal Credit Union

How many branches does Chessie Federal Credit Union operate?

Chessie 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 Chessie Federal Credit Union?

Yes, to access services at Chessie 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, Chessie 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, Chessie Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Chessie Federal Credit Union offer online and mobile banking?

Most modern institutions like Chessie 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.chessiefcu.org.

Current Chessie Federal Credit Union Rates

12-Month CD2.78%
24-Month CD3.04%
60-Month CD3.82%
Savings0.10%
MMA1.36%

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

Compare to Other Credit Unions

Chessie Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Chessie Federal Credit Union Texas Ratio

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Chessie Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Chessie Federal Credit Union

How many branches does Chessie Federal Credit Union operate?

Is a member application needed to join Chessie Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Chessie Federal Credit Union offer online and mobile banking?

Current Chessie Federal Credit Union Rates

Compare to Other Credit Unions