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Chemco Credit Union

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Chemco Credit Union Rates & Review August 2026

Q: How many branches does Chemco Credit Union operate?

Chemco 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.

Q: Is a member application needed to join Chemco Credit Union?

Yes, to access services at Chemco 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.

Q: Is there a first-time homebuyer program?

Currently, Chemco 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chemco 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 and Verified: August 29, 2026

Chemco Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Chemco Credit Union, and you can see how they compare in the Chemco Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Chemco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Database rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Chemco Credit Union
CHEMCO CREDIT UNION

1638 INDUSTRIAL Rd
MC INTOSH, AL 36553 6609

Current Rate Availability

We're not currently displaying rates for Chemco Credit Union, but our database is updated constantly — check back soon for the latest offers.

Are you with Chemco Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Chemco Credit Union

Website N/A

Address 1638 INDUSTRIAL Rd, MC INTOSH, AL 36553 6609

Phone 251-944-3297

Fax 251-944-3212

President SEAN WORK

CEO Rhonda Goldman

Full-Time Employees 1

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

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

0.00%

Return on Assets (ROA)

1.4949%

Return on Equity (ROE)

7.6192%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

5,277,054

Total Amount of Shares and Deposits

4,235,993

Total Shares and Deposits < 1 Year

4,235,993

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

4,235,993

Total Interest Expense (Sum of items 6 8)

10,200

Number of Accounts for Share Drafts

Number of Accounts for Regular Shares

361

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

78,886

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)

1,496,734

Total Liabilities

4,241,698

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Chemco Credit Union

Frequently Asked Questions About Chemco Credit Union

How many branches does Chemco Credit Union operate?

Chemco 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 Chemco Credit Union?

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

Does Chemco Credit Union offer online and mobile banking?

Most modern institutions like Chemco Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.