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

Current rates for Chivaho Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.25%, 24-Month CD: 4.40%, 60-Month CD: 4.55%, Savings: 4.00%, MMA: 2.25%

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Chivaho Federal Credit Union

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Chivaho Federal Credit Union Rates & Review October 2026

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

Yes, to access services at Chivaho 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, Chivaho 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

Chivaho Federal Credit Union's top rates as of October 12, 2026 are 4.55% APY on its 48 Month CD of Deposit, 4.00% APY on savings, 2.25% APY on money market accounts, auto loans from 5.49% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Chivaho Federal Credit Union CD rates include 60 Month CD of Deposit at 4.55%, 30 Month CD of Deposit at 4.48%, and 24 Month CD of Deposit at 4.40%. MonitorBankRates evaluates the financial stability of Chivaho Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Chivaho Federal Credit Union
Chivaho Federal Credit Union

190 N Bridge St
Chillicothe, OH 45601-2620

https://www.chivaho.com

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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.

Chivaho Federal Credit Union CD Rates

Product	Rate	APY	Term
48 Month Certificate of Deposit	4.45%	4.55%	48 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
60 Month Certificate of Deposit	4.45%	4.55%	60 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
30 Month Certificate of Deposit	4.39%	4.48%	30 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.48% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
24 Month Certificate of Deposit	4.31%	4.40%	24 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
18 Month Certificate of Deposit	4.16%	4.25%	18 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Certificate of Deposit	3.93%	4.00%	12 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
6 Month Certificate of Deposit	3.93%	4.00%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Chivaho Federal Credit Union Savings Rates

Product	Rate	APY
Early Bird Savings Club	3.93%	4.00%
Details Max Amt. $1,000, One Per Account Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 4.00% ▲ 3.90 pts · high 4.00% / low 0.10% Oct 12, 20264.00%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Early Bird Savings Club	0.49%	0.50%
Details Balance: 1st $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.10% → 0.50% ▲ 0.40 pts · high 0.50% / low 0.10% Oct 12, 20260.50%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Early Bird Savings 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: 0.77%
Savings - Share	0.10%	0.10%
Min Balance $50 Details Balance: $50.00 above Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Chivaho Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market - Diamond Share	2.23%	2.25%
Min Balance $100,000 Details Tier IV; Balance: $100,000 - Above Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Money Market - Diamond Share	1.83%	1.85%
Min Balance $50,000 Details Tier III; Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Money Market - Diamond Share	1.73%	1.75%
Min Balance $10,000 Details Tier II; Balance: $10,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Money Market - Diamond Share	1.64%	1.65%
Min Balance $1,000 Details Tier I; Balance: $1,000 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Chivaho Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.49%
Details As Low As; Rate Match: matches other financial institution loan rates and terms on auto loans and miscellaneous collateral loans (verified); floors apply; APR based on creditworthiness; restrictions may apply Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Chivaho Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Chivaho Visa Credit Card	-	9.90%
Details Fixed rate Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Chivaho Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Here for You Loan	-	-	5.99%	24 months
Details Up to $3,500; no collateral required; offer can end without notice Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Individual Retirement Account - Roth	0.49%	-	0.50%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Individual Retirement Account - Traditional	0.49%	-	0.50%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Share	0.10%	-	0.10%
Min Balance $50 Details Balance: $50.00 above Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

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.
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Financial Health History

Chivaho Federal Credit Union’s Texas Ratio stayed near 0.85% in Q3 2023 to 0.77% in Q2 2026, so its financial health has stayed 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$38M	0.77%	5.0	A+
March 31, 2026	$37M	1.55%	5.0	A+
December 31, 2025	$37M	2.26%	5.0	A+
September 30, 2025	$36M	1.26%	5.0	A+
June 30, 2025	$36M	1.03%	5.0	A+
March 31, 2025	$37M	1.14%	5.0	A+
December 31, 2024	$35M	0.95%	5.0	A+
September 30, 2024	$35M	0.96%	5.0	A+
June 30, 2024	$35M	1.44%	5.0	A+
March 31, 2024	$34M	1.25%	5.0	A+
December 31, 2023	$34M	0.69%	5.0	A+
September 30, 2023	$34M	0.85%	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 Chivaho 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 Chivaho 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 Chivaho Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Chivaho Federal Credit Union

Website https://www.chivaho.com

Address 190 N Bridge St, Chillicothe, OH 45601-2620

Phone 740-775-3381

Fax 740-775-7654

President Eric Braunlin

CEO Laura Roberts

Full-Time Employees 5

Part-Time Employees 2

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.77%

Return on Assets (ROA)

0.3697%

Return on Equity (ROE)

2.6638%

Non-Performing Loans Ratio (NPL)

0.27%

Total Assets

37,671,065

Total Amount of Shares and Deposits

32,366,720

Total Shares and Deposits < 1 Year

31,269,355

Total Shares and Deposits 1 3 Years

822,825

Total Shares and Deposits > 3 Years

274,540

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

1,175,786

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

1,175,786

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

31,190,934

Total Interest Expense (Sum of items 6 8)

168,712

Share Certificates

211

Number of Accounts for Share Drafts

1,589

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,588

Money Market Shares

116

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)

2,108,489

Total Liabilities

32,470,265

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Chivaho Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Chivaho Federal Credit Union

How many branches does Chivaho Federal Credit Union operate?

Chivaho 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 Chivaho Federal Credit Union?

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

Does Chivaho Federal Credit Union offer online and mobile banking?

Most modern institutions like Chivaho 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.chivaho.com.