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Choptank Electric Coop Employ

10384 River Road, Denton, MD 21629
NCUA Insured3.7 (60 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1971

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

Location & Directions

Address

10384 River Road

Denton, MD 21629

Service Area

This credit union is located in Denton and serves members in the MD area. Currently serving 277 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.

Personal Loan

9.99%

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 MD

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

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

Branches & Locations(1 total)

Member Reviews

3.7

60 Google reviews

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

View on Google Maps
DAVID MILLER

DAVID MILLER

5 months ago

Thanks for keeping energy costs at a manageable amount for seniors on fixed income. My wife and I have been able to make it through the last 4 years and we believe that things could get better in the New year. David & Giovanna

Frank Kamm

Frank Kamm

3 months ago

I was without electric for 12 hrs . I called power outage # on bill and never received a call back. I called customer service on monday 2/23/26 and got recording saying closed. A million dollar company can't have a person answer phone of customer for over 35 years of service . I lost $500 in food. Service is very poor with your company. I would bet if you had to answer to MPSC commission service you would be better but since you are a cooperative you need not answer to anyone.

Mike R.

Mike R.

8 months ago

I appreciate all the good work that the men and women of Choptank Electric are involved with in the community, however, Choptank Electric needs to improve in the responsiveness to its memebers. I called twice in the month of September with one question, I have been promised a response both times to the same question, we are in October, and I am still waiting for a response to the one question. I believe that Choptank Electric can do better.

William Adams

William Adams

3 months ago

Choptank Fiber is price gouging, had federal grant money to run the infrastructure now charges "members/customers" the highest rates in country. What happened to "co-operative" meaning fair pricing?

Douglas

Douglas

6 months ago

Worst utility company I’ve dealt with, and I’ve lived all over the country. Hold a monopoly in the area here, are absolutely trash. I’ll convert the property to solar power and limit my consumption eventually just to get off their grid.

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).