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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CHIPHONE 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 19, 2026
CHIPHONE's 6 MONTH IRA CD rates are at 3.60%, 12 MONTH IRA CD rates are at 3.50%, 18 MONTH IRA CD rates are at 3.50%, 24 MONTH IRA CD rates are at 3.50%, 36 MONTH IRA CD rates are at 3.50%. CHIPHONE's money market rates are at 0.05%. CHIPHONE's Personal Loan Rates are at 5.24%. MonitorBankRates evaluates the financial stability of CHIPHONE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.57%. Rates were last updated on 04/19/2026. CHIPHONE 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 CHIPHONE? Share your experience about CHIPHONE by leaving a review below, or read customer reviews before you decide to use CHIPHONE. 
CHIPHONE CD Rates
CHIPHONE Savings Rates
CHIPHONE Money Market Rates
CHIPHONE Home Equity & HELOC
CHIPHONE Auto Loan Rates
CHIPHONE Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CHIPHONE 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 CHIPHONE 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 CHIPHONE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CHIPHONE
Website
http://www.chiphone.org
Address
710 N WILDWOOD AVE,
ELKHART, IN 46514 1876
Phone
574-294-3606
Fax
574-295-0294
President
TERRY MILLER
CEO
TRAVIS MAZUR
Full-Time Employees
36
Part-Time Employees
3
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.57%
Return on Assets (ROA)
0.4718%
Return on Equity (ROE)
2.8998%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
110,575,584
Total Amount of Shares and Deposits
92,034,755
Total Shares and Deposits < 1 Year
89,875,022
Total Shares and Deposits 1 3 Years
1,418,043
Total Shares and Deposits > 3 Years
741,691
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,962,758
Total Uninsured Shares and Deposits > $250K (F+J)
2,962,758
Total Insured Shares and Deposits > $250K (item 17 less item K)
89,071,997
Total Interest Expense (Sum of items 6 8)
480,835
Share Certificates
642
Number of Accounts for Share Drafts
5,690
IRA KEOGH Accounts
213
Number of Accounts for Regular Shares
11,277
Money Market Shares
415
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,540,138
Total Liabilities
92,721,071
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About CHIPHONEIs CHIPHONE a safe place to deposit money?Yes, CHIPHONE is considered a safe financial institution. With a Texas Ratio of 0.56793200979464%, 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 CHIPHONE operate?CHIPHONE 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 CHIPHONE?Yes, to access services at CHIPHONE, 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, CHIPHONE 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, CHIPHONE provides members with tools to manage their accounts and build a solid financial history. Does CHIPHONE offer online and mobile banking?Most modern institutions like CHIPHONE 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: http://www.chiphone.org. Current CHIPHONE Rates
Retrieved from our database of financial products. Rates subject to change.
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