What are the current interest rates at Chattahoochee Federal Credit Union?

Current rates for Chattahoochee Federal Credit Union include: Savings: 0.01%

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Chattahoochee Federal Credit Union

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Chattahoochee Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 7, 2026

Chattahoochee Federal Credit Union's savings rates are at 0.01%. MonitorBankRates evaluates the financial stability of Chattahoochee Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.49%. Rates were last updated on 05/07/2026.

Chattahoochee Federal 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 Chattahoochee Federal Credit Union? Share your experience about Chattahoochee Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Chattahoochee Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.49%

Excellent Lower than avg

Chattahoochee Federal Credit Union
Main Office

519 FOB JAMES DR
VALLEY, AL 36854 5085

https://www.chatt.coop/

Chattahoochee Federal Credit Union Savings Rates

Product	Rate	APY
Rainbow Share Savings Account	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Details Account transfer limitations apply. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
IRA Share Savings Account	0.35%	0.35%
Min Deposit $5 Min Balance $5 Details Account transfer limitations apply. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
Regular Share Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Account transfer limitations apply. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
Club Share Savings Account	0.01%	0.01%
Min Deposit $5 Min Balance $5 Details Account transfer limitations apply. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%

Chattahoochee Federal Credit Union Checking Rates

Product	Rate	APY
Share Checking Account	0.01%	0.01%
Min Deposit $50 Details Account transfer limitations apply. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
Fresh Start Checking	-	0.00%
Min Deposit $50 Details Account transfer limitations apply. Last Updated 05/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Chattahoochee Federal 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 Chattahoochee Federal 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 Chattahoochee Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Chattahoochee Federal Credit Union

Website https://www.chatt.coop/

Address 519 FOB JAMES DR, VALLEY, AL 36854 5085

Phone 334-756-7027

Fax 334-756-7542

President KIMBERLEY BONNER

CEO STACEY HAND

Full-Time Employees 6

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.49%

Return on Assets (ROA)

1.2577%

Return on Equity (ROE)

8.9568%

Non-Performing Loans Ratio (NPL)

0.11%

Total Assets

23,404,840

Total Amount of Shares and Deposits

20,139,801

Total Shares and Deposits < 1 Year

20,060,215

Total Shares and Deposits 1 3 Years

15,154

Total Shares and Deposits > 3 Years

64,432

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

922,070

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

922,070

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

19,217,731

Total Interest Expense (Sum of items 6 8)

135,069

Share Certificates

123

Number of Accounts for Share Drafts

1,353

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,894

Money Market Shares

121

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

249,102

Total Liabilities

20,135,848

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Chattahoochee Federal Credit Union

How many branches does Chattahoochee Federal Credit Union operate?

Chattahoochee Federal 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 Chattahoochee Federal Credit Union?

Yes, to access services at Chattahoochee Federal 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, Chattahoochee Federal 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, Chattahoochee Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Chattahoochee Federal Credit Union offer online and mobile banking?

Most modern institutions like Chattahoochee Federal 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.chatt.coop/.