Credit union · NCUA insured
Cha-Tel Federal Credit Union
A $11.4M credit union headquartered in Charleston, WV, with 1,240 members and 1 branch in West Virginia. Best rates: savings 0.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings640.10%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cha-Tel Federal Credit Union
Cha-Tel Federal Credit Union received its Federal charter in 1963 and is headquartered in Charleston, West Virginia.
The credit union is owned by its members, including employees and retirees of designated regional employers and their families.
- Headquarters
- 1500 Maccorkle Ave SE, Charleston, WV 25396
- NCUA charter
- 15935
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Cha-Tel's employees are eligible for membership.
- Employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems, and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties are eligible for membership.
Family and household
- Family members of eligible employees and retirees are eligible for membership.
Cost to join
- A minimum deposit of $25.00 into a primary share account is required to join.
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Cha TelMain office1500 Maccorkle Ave SE, Charleston, WV 25396Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.62% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.83% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio13.62%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cha-Tel Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.