Credit union · NCUA insured
Chattahoochee Federal Credit Union
A $23.5M credit union headquartered in Valley, AL, with 2,751 members and 1 branch in Alabama. 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: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings640.10%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chattahoochee Federal Credit Union
Chattahoochee Federal Credit Union was originally founded on November 18, 1985, as WestPoint Pepperell Employees Credit Association in Valley, Alabama.
Operating as a member-owned, not-for-profit financial cooperative, it was established by eight employees to provide close personal financial services.
- Headquarters
- 519 Fob James Dr, Valley, AL 36854-5085
- NCUA charter
- 24221
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, worship, or attend school in Chambers County, AL.
Branches
1 branch in Alabama
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Alabama
1 branch
- Main OfficeMain office519 Fob James Dr, Valley, AL 36854Directions
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 | 15.01% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.51% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio15.01%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.51%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ 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 Chattahoochee 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.