What are the current interest rates at Chartway Credit Union?

Current rates for Chartway Credit Union include: 12-Month CD: 1.40%, 18-Month CD: 2.35%, 24-Month CD: 1.75%, 60-Month CD: 2.15%, Savings: 0.05%, MMA: 0.75%

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Chartway Credit Union Rates & Review September 2026

Item: Chartway Credit Union
Rating: 2956
Author: DDDh

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 9, 2026

Chartway Credit Union's 6-Month Promo CD rates are at 4.30%, 13-Month Promo CD rates are at 3.75%, 12-Month No Penalty Promo CD (CD Only) rates are at 3.30%, 12-17 Month rates are at 2.35%, 24-35 Month rates are at 2.25%. Chartway Credit Union's savings rates are at 0.05%. Chartway Credit Union's money market rates are at 0.75%. Chartway Credit Union's Personal Loan Rates are at 4.40%. MonitorBankRates evaluates the financial stability of Chartway Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.46%. Rates last updated and verified on 09/09/2026.

Chartway Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Chartway Credit Union? Share your experience about Chartway Credit Union by leaving a review below, or read customer reviews before you decide to use Chartway Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.46%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Chartway Credit Union
Headquarters Office

5700 Cleveland St
Virginia Beach, VA 23462-1752

https://www.chartway.com

Chartway Credit Union CD Rates

Product	Rate	APY	Term
6-Month Promo Certificate	4.23%	4.30%	6 months
Details Promo Certificate; New Deposits are defined as funds not currently on deposit with Chartway Credit Union.; Minimum $500 balance ($100 if under 18 years old) to open.; Will renew at the current 6-month certificate rate. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
13-Month Promo Certificate	3.70%	3.75%	13 months
Details Promo Certificate; New Deposits are defined as funds not currently on deposit with Chartway Credit Union.; Minimum $500 balance ($100 if under 18 years old) to open.; Will renew at the current 12- month certificate rate. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
12-Month No Penalty Promo Certificate (Share Certificate Only)	3.26%	3.30%	12 months
Details No Penalty option for early withdrawal; one withdrawal without penalty once account open for at least seven days; additional withdrawals subject to penalty of 90 days' dividends.; New Deposits are defined as funds not currently on deposit with Chartway Credit Union.; Minimum $500 balance ($100 if under 18 years old) to open.; Will renew at the current 12-month No Penalty certificate rate. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
12-17 Month	2.33%	2.35%	17 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
24-35 Month	2.23%	2.25%	35 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
36-47 Month	2.13%	2.15%	47 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
48-59 Month	2.13%	2.15%	59 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
60-71 Month	2.13%	2.15%	71 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
18-23 Month	1.74%	1.75%	23 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
6-11 Month	1.39%	1.40%	11 Month
Details Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. All renewing certificates will receive a .10% rate rewards until further notice. Exceptions are 6 month and 12 month No Penalty and promotional certificates. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%

Chartway Credit Union Savings Rates

Product	Rate	APY
Smart Steps Savings	4.41%	4.50%
Min Balance $0 Details Promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99 for the first 6 months. Standard tiered APYs apply to remaining portions. Dividend rates are tiered; different portions of the total account balance earn different rates. APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Bonus Savings	2.50%	2.50%
Min Balance $100 Details Bonus Savings account promotional rate of 2.50% APY is effective as of 1/31/24. Dividends are paid quarterly. Rate is subject to change. Annual Percentage Yield (APY). Bonus Savings account is available for new and existing members of Chartway Credit Union. To qualify for the offer, Bonus Savings account must be funded completely with new money. New money is defined as funds not currently on deposit with Chartway Credit Union. Funds transferred from IRA accounts are not eligible for this product. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Chartway senior leadership positions (Vice President and above), Board of Directors, and volunteers are not eligible for this product. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Smart Steps Savings	1.24%	1.25%
Min Balance $2,500 Details Promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99 for the first 6 months. Standard tiered APYs apply to remaining portions. Dividend rates are tiered; different portions of the total account balance earn different rates. APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Smart Steps Savings	0.75%	0.75%
Min Balance $5,000 Details Promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99 for the first 6 months. Standard tiered APYs apply to remaining portions. Dividend rates are tiered; different portions of the total account balance earn different rates. APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
IRA Share Savings	0.25%	0.25%
Min Balance $100 Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Smart Steps Savings	0.25%	0.25%
Min Balance $10,000 Details Promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99 for the first 6 months. Standard tiered APYs apply to remaining portions. Dividend rates are tiered; different portions of the total account balance earn different rates. APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Smart Steps Savings	0.05%	0.05%
Min Balance $25,000 Details Promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99 for the first 6 months. Standard tiered APYs apply to remaining portions. Dividend rates are tiered; different portions of the total account balance earn different rates. APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%

Chartway Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	3.93%	4.00%
Min Balance $1,000,000 Details Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Money Market Plus	3.69%	3.75%
Min Balance $500,000 Details Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Money Market Plus	2.37%	2.65%
Min Balance $100,000 Details Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Money Market Plus	0.60%	0.85%
Min Balance $50,000 Details Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Money Market Plus	0.55%	0.80%
Min Balance $25,000 Details Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Money Market Plus	0.50%	0.75%
Min Balance $10,000 Details Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%

Chartway Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	4.89%	5.00%
Min Balance $0 Details Qualifications Required: 15 debit card purchases each month; $500 or more in direct deposits within a monthly cycle in the High-Yield Checking; enrolled in estatements with a valid email address.; Additional 0.30% APY with qualified Chartway loan or Chartway Visa credit card; $15,000 balance cap; Balances over $15,000 priced at prime share rate. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
High-Yield Checking	0.05%	0.05%
Min Balance $15,000 Details Balances over $15,000 priced at prime share rate. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%

Chartway Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity ARM Loan Options	6.13%	-	6.23%	5/1
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Home Equity ARM Loan Options	6.50%	-	6.60%	7/1
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Home Equity First-Time Homebuyer	6.49%	-	6.78%	30 Years
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Home Equity Fixed Rate Mortgage	6.49%	-	6.78%	30 Years
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Home Equity ARM Loan Options	6.88%	-	6.98%	10/1
No additional details. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%

Chartway Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New 2026 Auto Loan	-	-	4.40%	1 to 48 months
Details Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Used 2026-2025 Auto Loan	-	-	4.40%	1 to 48 months
Details Model Year: Used 2026-2025; Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
New 2026 Auto Loan	-	-	4.50%	49 to 60 months
Details Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Used 2026-2025 Auto Loan	-	-	4.50%	49 to 60 months
Details Model Year: Used 2026-2025; Minimum Loan Amount: No minimum; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
New 2026 Auto Loan	-	-	4.75%	61 to 66 months
Details Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Used 2026-2025 Auto Loan	-	-	4.75%	61 to 66 months
Details Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
New 2026 Auto Loan	-	-	5.14%	73 to 75 months
Details Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Used 2026-2025 Auto Loan	-	-	5.14%	73 to 75 months
Details Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
New 2026 Auto Loan	-	-	5.84%	76 to 84 months
Details Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%
Used 2026-2025 Auto Loan	-	-	5.84%	76 to 84 months
Details Model Year: Used 2026-2025; Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR. Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Chartway Credit Union’s Texas Ratio rose from 8.43% in Q2 2023 to 10.46% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$3.3B	10.46%	5.0	A
December 31, 2025	$3.2B	10.56%	5.0	A
September 30, 2025	$3.2B	11.31%	5.0	A
June 30, 2025	$3.1B	11.94%	5.0	A
March 31, 2025	$3.1B	11.89%	5.0	A
December 31, 2024	$3.1B	15.02%	5.0	A-
September 30, 2024	$3.0B	11.10%	5.0	A
June 30, 2024	$3.0B	12.37%	5.0	A
March 31, 2024	$3.0B	11.62%	5.0	A
December 31, 2023	$2.9B	11.51%	5.0	A
September 30, 2023	$2.9B	9.95%	5.0	A
June 30, 2023	$2.7B	8.43%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Chartway Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Chartway Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Chartway Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Chartway Credit Union

Website https://www.chartway.com

Address 5700 Cleveland St, Virginia Beach, VA 23462-1752

Phone 757-552-1000

Fax 757-497-0158

President Melinda Barbish

CEO Brian Schools

Full-Time Employees 570

Part-Time Employees 11

Branch Locations 42

ATM Locations 7

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.46%

Return on Assets (ROA)

0.1124%

Return on Equity (ROE)

1.3839%

Non-Performing Loans Ratio (NPL)

1.19%

Total Assets

3,293,646,959

Total Amount of Shares and Deposits

2,927,653,237

Total Shares and Deposits < 1 Year

2,775,613,367

Total Shares and Deposits 1 3 Years

141,273,771

Total Shares and Deposits > 3 Years

10,766,099

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

264,234,151

Total Uninsured Shares and Deposits > $250K (F+J)

264,234,151

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,663,419,086

Total Interest Expense (Sum of items 6 8)

14,226,672

Share Certificates

21,976

Number of Accounts for Share Drafts

98,823

IRA KEOGH Accounts

5,815

Number of Accounts for Regular Shares

248,139

All other shares

20,743

Non Member Deposits

Money Market Shares

10,353

Net Income (unless the amount is already included in Undivided Earnings)

3,701,319

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

171,715,315

Total Liabilities

3,028,408,227

Source: NCUA — Last Updated 03/31/2026

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Chartway Credit Union earned the Verified Healthy badge

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Customer Reviews

DDDh

★★★★★

December 17, 2025

ZiTI

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Average Rating

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Total Reviews

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Frequently Asked Questions About Chartway Credit Union

How many branches does Chartway Credit Union operate?

Chartway Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Chartway Credit Union?

Yes, to access services at Chartway Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Chartway Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chartway Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Chartway Credit Union offer online and mobile banking?

Most modern institutions like Chartway Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.chartway.com.