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Chen-Del-O

PO BOX 102, Franklin, NY 13775
NCUA Insured4.6 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Location & Directions

Address

PO BOX 102

Franklin, NY 13775

Service Area

This credit union is located in Franklin and serves members in the NY area. Currently serving 2,700 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

6.39%

Used Auto Loan

7.79%

Personal Loan

11.90%

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 NY

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

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

Branches & Locations(3 total)

Member Reviews

4.6

10 Google reviews

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

View on Google Maps
Camby Grace

Camby Grace

a year ago

Most helpful employees ever. My family has used this bank forever and we’ve always been thrilled with their service. 5 stars for sure.

Mark Bennett

Mark Bennett

5 years ago

We are new to Franklin, and my spouse was in need of a notary. The challenge was that we were emailed the documents to be notarized, yet we don't have a printer. She went to Chen-Del-O on Main Street, and everyone there was very helpful + supportive, even though we are not members. They were able to print out the document for her, execute the notarization, and even scan + email the notarized document back to us. This was above + beyond great service. An excellent experience from first contact by phone to buttoning down the process. Thank you to Emily, Angela + the teller (sorry we did not remember her name).

Bob Loblaw Esq.

Bob Loblaw Esq.

5 years ago

I’ve been a customer of Chen-del-o since I was teenager. They have always taken care of me and my family. It’s nice that there’s still businesses out there actually cares to help their customers, and treats them as people not just a bottom line, in a world where that is is increasingly rare. They are always pleasant, and willing to find avenues to help. It is a fantastic organization.

Robert Finnegan

Robert Finnegan

6 years ago

Have been a member of Chendelo FCU since the 1970s. We have always had exceptional service. Needed withdrawals are always received in the mail within a few days. Personable staff make having a savings account here a pleasurable experience.

jim pierce

jim pierce

7 years ago

The customer service is personable and attentive to the needs of the individual. Always a pleasure to stop in. Your not just an account number,

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).