Chiphone Federal Credit Union: Middlebury, IN, 403 Crystal Valley Drive
Chiphone Federal Credit Union: 403 Crystal Valley Drive, Middlebury, IN 46540

Chiphone Federal Credit Union

Chartered in 1947, Chiphone Federal Credit Union has been providing financial services the Middlebury, IN community for over 77 years.

Middlebury Branch

403 Crystal Valley Drive, Middlebury, IN 46540 (574) 825-7883

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Comprehensive Credit Union Services

Unlock a variety of tailored financial products at Chiphone FCU in Middlebury. Whether for personal use or business needs, Chiphone provides specialized services to help optimize your financial performance.

  • Flexible Checking Solutions and Interest-bearing Savings Accounts
  • Home Equity Loans and Vehicle Financing
  • Personalized Investment Strategies and Pension Planning
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Click-to-Call Savings Calculator

Your Partner in Financial Growth

At Chiphone FCU in Middlebury, members are empowered with the financial resources they need to achieve their goals. Explore the range of products and services designed to enhance your financial wellbeing.

  • Customized Financial Planning and Analysis
  • Secure Online Banking and Mobile App Features
  • Exclusive Member Benefits and Discounts
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Reviews

Get the Inside Scoop: Chiphone FCU Reviews by Members

Wondering about Chiphone FCU? Read real reviews from real members! Get the inside scoop on services, features, and the overall member experience.

Member Rating

1.0
★★★★★
★★★★★
Based on 1 Review
  • Review StarsReview StarsReview StarsReview StarsReview Stars "I have a four digit number so that tells you how long I have been with you. Told the lady to transfe... Read More" - Larry Berkey
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Community Q&A

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Stuck on a question about accounts, loans, or anything else? Our vibrant Q&A forum is here to help! Get real-world insights from experienced members and financial experts.

Can't find the answer you're looking for? Don't be shy! Ask your question and let the Chiphone FCU community guide you.

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Find Chiphone Branch Locations

Explore top-rated credit unions across Indiana with our comprehensive locator. Whether you're seeking competitive loan rates or exceptional customer service, our tools make it easy to find a credit union tailored to your financial needs in Indiana.

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Locations (7) ATMs

Why Choose Chiphone Federal Credit Union?

Chiphone understands the importance of reliable financial services tailored to your needs. From competitive rates to exceptional customer care, discover how you achieve your financial goals.

  • Financial Solutions – Tailor-made services to suit your budget and goals.
  • Community Investment – Giving back to the Middlebury community.
  • Advanced Security – Ensuring the safety of your financial information.
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Chiphone Downtime Service Status

Find the status of online banking, mobile app, and the Middlebury Branch location at 403 Crystal Valley Drive. Report outages you're experiencing, including login issues and traditional services like ATM or telephone.

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Middlebury Branch Service Status

403 Crystal Valley Drive Middlebury, Indiana 46540

All Reports in Past 24 Hours

Membership Eligibility

Who Can Join Chiphone Federal Credit Union?

Chiphone primarily serves multiple organizations in the communications and utilities industries, providing financial services designed to meet the specific needs of employees in these sectors. The TOM Code for the credit union is 53 (Multiple common bond - primarily communications and utilities). Membership is also open to immediate family of current members.

  • Current Number of Regular Savings Accounts:11,660
  • Current Number of Share Draft Accounts:5,796
  • Current Number of Money Market Accounts:430
  • Current Number of Share Certificates (CDs):487

Financial Snapshot Q4 2023

  • Total Assets $111,231,904
  • Total Liabilities $94,240,543
  • Total Equity $16,991,361
  • Total Liabilities, Shares, & Equity $111,231,904
  • Net Income (Loss) $697,300
Q4 2023 Financial Summary Loans Insights Mortgages Insights
Source: NCUA - .

Frequently Asked Questions

To log into online banking for Chiphone Federal Credit Union, visit the website and click on the "Online Banking" or "Login" button, typically located at the top right corner.

If you haven't registered for online access yet, look for a "Register" or "Sign Up" option available on the same page.

Available Services

  • Bill Payment
  • e-Statements
  • Electronic Signature Authentication/Certification
  • Remote Deposit Capture

To access your account through online banking, visit the Chiphone Federal Credit Union login page.

Yes, Chiphone Federal Credit Union offers a mobile app for both iOS and Android devices. You can download it from the App Store or Google Play Store by searching for "Chiphone Federal Credit Union Mobile Banking"

Yes, Chiphone Federal Credit Union provides a variety of mortgage options to fit your needs. Visit the "Mortgages" page on the credit union's website or contact for more details.

  • Fixed Rate Mortgages > 15 Years
  • Fixed Rate Mortgages 15 Years or Less
  • Balloon/Hybrid Mortgages > 5 Years

Estimate mortgage payments with our Mortgage Calculator.

Chiphone Federal Credit Union offers auto loans for cars, trucks, and SUVs at competitive rates and terms.

  • New Auto Loans
  • Used Auto Loans

For more details, visit the website, or contact the credit union for a loan application, pre-approval, or payment/payoff address inquiries.

Use the online Auto Loan Calculator to estimate your loan amount.

Chiphone Federal Credit Union offers credit cards to its members. Visit the website. to access more information, view current rates, and apply for a credit card.

Yes, members can pay bills online. Start on the website.

For personal assistance, you can reach the credit union through their website or by calling phone number (574) 294-3606.

Chiphone Credit Union routing number is 271290597.
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Empower Yourself: Explore Credit Union Advantages

Overview

Established in 1947, Chiphone Federal Credit Union proudly calls Elkhart, Indiana home. For over 77 years, Chiphone FCU has been a trusted financial partner, boasting a network of 7 branches and 6 ATMs across the country.

Chiphone Federal Credit Union stewards over $111.23 Million in assets and proudly serves over 9,000 loyal members.

With over 40 dedicated individuals as of April 2024, Chiphone is committed to providing exceptional financial services to its members and the community.

Access reviews, hours, contact details, financials, and additional member resources. Chiphone Federal Credit Union (Middlebury Branch) is located at 403 Crystal Valley Drive, Middlebury, IN 46540.

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Open Today: Thursday, April 18, 2024
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Lobby Hours: 8:30 am - 5:00 pm
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Drive-Up Hours: 8:30 am - 5:00 pm

Chiphone FCU Middlebury, IN Hours

Lobby Hours

The credit union lobby is currently open.
Day Hours
SundayClosed
Monday8:30 am - 5:00 pm
Tuesday8:30 am - 5:00 pm
Wednesday8:30 am - 5:00 pm
Thursday8:30 am - 5:00 pm
Friday8:30 am - 5:30 pm
Saturday8:30 am - 12:00 pm

Drive-Up Hours

The credit union drive-thru is currently open.
Day Hours
SundayClosed
Monday8:30 am - 5:00 pm
Tuesday8:30 am - 5:00 pm
Wednesday8:30 am - 5:00 pm
Thursday8:30 am - 5:00 pm
Friday8:30 am - 5:30 pm
Saturday8:30 am - 12:00 pm

Contact Chiphone FCU in Middlebury

Location:
Middlebury Branch
Address:
Chiphone FCU
Middlebury Branch
403 Crystal Valley Drive
Middlebury, IN 46540 (Map)
Phone Number:
Click-to-Call: (574) 825-7883
Fax:
(574) 825-7884
Website:
Online Banking:
Mobile App:

Data sources: NCUA and Chiphone FCU

403 Crystal Valley Drive
Middlebury, IN 46540

Looking for a different location? Find the closest Chiphone Federal Near Me or Locate an ATM.

Interest Rates

  • Competitive Rates and Low Fees: As a not-for-profit institution, Chiphone offers better rates and lower fees than many for-profit banks.
    Unsecured Credit Card11.90%
    Other Unsecured Loans/Lines of Credit11.33%
    New Vehicle Loans4.85%
    Used Vehicle Loans6.76%

When exploring financial products such as loans or savings accounts, it's crucial to grasp the concepts of Annual Percentage Rate (APR) and Annual Percentage Yield (APY). These metrics serve as benchmarks for evaluating the true cost of borrowing or the potential returns on savings over a year, respectively.

Understanding APR, APY, and the impact of term length empowers individuals to make informed financial decisions, ensuring optimal utilization of financial products and resources to achieve their monetary goals effectively.

The APR represents the total cost of borrowing over a year, expressed as a percentage. It encompasses not only the interest rate but also any additional fees or charges associated with the loan, such as origination fees or points. Essentially, the APR provides a comprehensive view of the borrower's financial obligation, enabling informed comparisons between different loan offers.

For instance, a lower APR signifies a more cost-effective borrowing option, as it indicates lower overall expenses associated with the loan. Therefore, borrowers should prioritize selecting loans with the lowest APR to minimize the financial burden and maximize savings in the long run.

On the flip side, the APY pertains to the potential earnings from savings or investment accounts over a year, also expressed as a percentage. Unlike APR, which reflects the borrower's costs, APY illustrates the growth potential of savings by factoring in compound interest, which refers to earning interest on both the initial principal and accumulated interest.

For savers, a higher APY translates to greater returns on their deposited funds, facilitating wealth accumulation and financial goals achievement. Hence, individuals seeking to optimize their savings should seek accounts offering competitive APY rates to maximize their earning potential and capitalize on the power of compound interest.

When contemplating loans, the term length plays a pivotal role in determining the monthly payments and overall affordability. The term length refers to the duration within which the borrower commits to repaying the loan in full, typically expressed in months.

Shorter loan terms often entail higher monthly payments but result in lower total interest expenses over the loan's lifespan. Conversely, longer loan terms yield lower monthly payments but may lead to higher overall interest costs due to prolonged repayment periods.

It's imperative for borrowers to strike a balance between monthly affordability and long-term financial implications when selecting a loan term. By carefully evaluating their budgetary constraints and financial objectives, borrowers can opt for the most suitable term length that aligns with their repayment capacity while minimizing the total cost of borrowing.

Chiphone FCU - Middlebury, IN Map

Nearby Chiphone Federal Branches

Corporate Office

710 N Wildwood Ave
Elkhart, IN
Closed Today
9.3 miles

Elkhart East Branch

661 County Rd 17
Elkhart, IN
Open Today
9.3 miles

Elkhart North Branch

619 E County Rd 6
Elkhart, IN
Open Today
13.9 miles

Elkhart Branch

1655 W Beardsley Ave
Elkhart, IN
Open Today
15.1 miles
View All Branches

References

Disclaimer: Any modifications to the data or analysis, or interpretation of the data, are provided by Credit Unions Online and not endorsed by Chiphone Federal Credit Union or the NCUA.