|
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.
 Chessie Federal Credit Union Rates & Review September 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 and Verified: September 23, 2026
Chessie Federal Credit Union's View more details about ourAdjustable Rate Mortgage - 5/1 ARM rates are at 6.12%, View more details about ourAdjustable Rate Mortgage - 7/1 ARM rates are at 6.12%, View more details about ourAdjustable Rate Mortgage - 10/1 ARM rates are at 6.62%. Chessie Federal Credit Union's Personal Loan Rates are as low as 10.49%. Chessie Federal Credit Union's Credit Card Rates are at 12.24%. 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 2.87%. Rates last updated and verified on 09/23/2026. 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
Drive Thru 122 W Union St
https://www.chessiefcu.org Cumberland, MD 21502 
Chessie Federal Credit Union Mortgage Rates
Chessie Federal Credit Union Home Equity & HELOC
Chessie Federal Credit Union Auto Loan Rates
Chessie Federal Credit Union RV, Boat and Powersport Loan Rates
Chessie Federal Credit Union Credit Card Rates
Chessie Federal Credit Union Personal Loan Rates
Chessie Federal Credit Union Other Rates
Financial Health HistoryChessie Federal Credit Union’s Texas Ratio fell from 5.23% in Q2 2023 to 2.87% in Q1 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. 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
122 W Union St,
Cumberland, MD 21502
Phone
301-777-1781
Fax
301-777-1757
President
Walter Beall
CEO
Scott Kline
Full-Time Employees
96
Part-Time Employees
3
Branch Locations
11
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.87%
Return on Assets (ROA)
0.3183%
Return on Equity (ROE)
2.3463%
Non-Performing Loans Ratio (NPL)
0.78%
Total Assets
433,217,133
Total Amount of Shares and Deposits
372,792,594
Total Shares and Deposits < 1 Year
343,859,320
Total Shares and Deposits 1 3 Years
21,018,488
Total Shares and Deposits > 3 Years
7,914,785
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,452,691
Total Uninsured Shares and Deposits > $250K (F+J)
7,452,691
Total Insured Shares and Deposits > $250K (item 17 less item K)
365,339,903
Total Interest Expense (Sum of items 6 8)
647,888
Share Certificates
2,110
Number of Accounts for Share Drafts
17,354
IRA KEOGH Accounts
1,155
Number of Accounts for Regular Shares
38,427
All other shares
677
Money Market Shares
629
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)
101,316,463
Total Liabilities
374,496,336
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Chessie Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Chessie Federal Credit Union
Frequently Asked Questions About Chessie Federal Credit UnionHow 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. Compare to Other Credit Unions
Sixth Avenue Baptist Federal Credit Union
Unite Credit Union
HEMA Federal Credit Union
Santee Cooper Credit Union
FEDCO Credit Union
Olean Teachers And Postal Federal Credit Union
Signature Federal Credit Union
Premier Members Credit Union
Centris Federal Credit Union
MembersOwn Credit Union
Hibbing Cooperative Credit Union
Co-op Credit Union of Montevideo
Virginia Coop Credit Union
Best Financial Credit Union
Tonawanda Community Federal Credit Union
TOLEDO METRO
Espeeco Federal Credit Union
BPS Federal Credit Union
SCE Federal Credit Union
Vickswood Federal Credit Union
Preston Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
