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iAdvertiser Disclosure
Advertiser Disclosure
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 Chessie 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 18, 2026
Chessie Federal Credit Union's 60 month CDs rates are at 3.30%, 48 month CDs rates are at 3.20%, 36 month CDs rates are at 3.14%, 24 month CDs rates are at 3.04%, 12 month CDs rates are at 2.53%. Chessie Federal Credit Union's savings rates are at 0.10%. Chessie Federal Credit Union's Personal Loan Rates are at 4.49%. 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 5.80%. Rates were last updated on 04/18/2026. 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. Chessie Federal Credit Union
Commerce Drive 15 Commerce Dr
https://www.chessiefcu.org Cumberland, MD 21502 
Chessie Federal Credit Union CD Rates
Chessie Federal Credit Union Savings Rates
Chessie Federal Credit Union Checking Rates
Chessie Federal Credit Union Mortgage Rates
Chessie Federal Credit Union Home Equity & HELOC
Chessie Federal Credit Union Auto Loan Rates
Chessie Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
95
Part-Time Employees
3
Branch Locations
10
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.80%
Return on Assets (ROA)
1.0897%
Return on Equity (ROE)
8.2521%
Non-Performing Loans Ratio (NPL)
1.39%
Total Assets
421,549,513
Total Amount of Shares and Deposits
362,998,828
Total Shares and Deposits < 1 Year
335,092,712
Total Shares and Deposits 1 3 Years
15,761,904
Total Shares and Deposits > 3 Years
12,144,212
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,957,707
Total Uninsured Shares and Deposits > $250K (F+J)
7,957,707
Total Insured Shares and Deposits > $250K (item 17 less item K)
355,041,121
Total Interest Expense (Sum of items 6 8)
1,988,113
Share Certificates
2,128
Number of Accounts for Share Drafts
17,472
IRA KEOGH Accounts
1,184
Number of Accounts for Regular Shares
39,527
All other shares
693
Money Market Shares
594
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
112,159,672
Total Liabilities
365,996,906
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Chessie Federal Credit UnionIs Chessie Federal Credit Union a safe place to deposit money?Yes, Chessie Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7992424185265%, 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 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
Retrieved from our database of financial products. Rates subject to change.
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