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Chiphone

710 N WILDWOOD AVE, Elkhart, IN 46514
NCUA Insured3.5 (34 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1947

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

710 N WILDWOOD AVE

Elkhart, IN 46514

Service Area

This credit union is located in Elkhart and serves members in the IN area. Currently serving 8,941 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.22%

Used Auto Loan

7.34%

Personal Loan

10.79%

Credit Card APR

11.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IN

Lowest rates currently reported by credit unions in IN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.5

34 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Pam Podemski

Pam Podemski

6 months ago

I used to bank at Teachers Credit Union, now Everwise (for over 30 yrs). Paul on CR 6 in Elkhart, stole my social security money 5 days after in was deposited into my account. It took me 3 months to recover my monies after I threatened to email one of the 'big wigs'. Someone I know banked at Chiphone, so I went there. A huge thank you to Lisa Hall for taking me into Chiphone and setting up everything for me.

Richard Zollinger

Richard Zollinger

3 months ago

Every associate is friendly and informative. Travis who does my taxes over the past years remembers me every year..

Johanna Celie

Johanna Celie

3 years ago

This credit union is the worst!!! Racist, create scary and aggressive work environment, doesn’t not care about employees or their mental health! My friend totaled his car and was too scared to call in the next dayand went into work with the fear of being fired. He worked through the pain. They also loose money daily. How does that happen!?!? You purpose in life Is to hold and help secure peoples money! How are you doing that if you are giving away too much money or loosing it!?!

Dalton Shirley

Dalton Shirley

2 years ago

If you love overdraft fees out the whoo bank with these guys!! They will do what they can to overdraft you beyond belief. 5 dollar account draft fee to take money from 1 account to another, and then charge another 38 on top of that. They fight you tooth and nail to get them removed . Just think it's sick to almost charge someone $50 in overdrafts. Plus the atms don't EVER take money to be deposited so you can avoid these situations (which I tried doing yesterday before this happened). Do urself a favor avoid this bank at all costs. I am switching banks this friday.

Rachel Vandemark

Rachel Vandemark

7 years ago

I lost my wallet with debit card in it over two weeks ago.... I called to see where it was! Oh they didn’t order a new one when I told the lady to order it two weeks ago! Yeah now I get to go a whole month with no debit card cuz of her! As soon as hubby has time off work we are going to a different bank!!! Oh not to mention this is the second time we had this happen. First time hubby went into bank and ordered a new card cuz his was breaking (oh guess what they never ordered him one either). Shocking they never can do their job right!!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).