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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CHIPHONE Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 14, 2026
CHIPHONE's top rates as of October 14, 2026 are 4.35% APY on its 60 MONTH IRA CD, 1.26% APY on money market accounts, personal loans from 7.90% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other CHIPHONE CD rates include CD 60 MONTH at 4.35%, 48 MONTH IRA CD at 4.30%, and CD 48 MONTH at 4.30%. MonitorBankRates evaluates the financial stability of CHIPHONE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates last updated and verified on 10/14/2026. CHIPHONE 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 CHIPHONE? Share your experience about CHIPHONE by leaving a review below, or read customer reviews before you decide to use CHIPHONE. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. CHIPHONE CD Rates
CHIPHONE Savings Rates
CHIPHONE Money Market Rates
CHIPHONE Business Checking Rates
CHIPHONE Home Equity & HELOC
CHIPHONE Auto Loan Rates
CHIPHONE RV, Boat and Powersport Loan Rates
CHIPHONE Credit Card Rates
CHIPHONE Personal Loan Rates
Financial Health HistoryCHIPHONE’s Texas Ratio fell from 3.67% in Q3 2023 to 0.77% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CHIPHONE 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 CHIPHONE 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 CHIPHONE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CHIPHONE
Website
http://www.chiphone.org
Address
710 N WILDWOOD AVE,
ELKHART, IN 46514-1876
Phone
574-294-3606
Fax
574-295-0294
President
TERRY MILLER
CEO
TRAVIS MAZUR
Full-Time Employees
29
Part-Time Employees
5
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.77%
Return on Assets (ROA)
0.3760%
Return on Equity (ROE)
2.2885%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
111,833,900
Total Amount of Shares and Deposits
92,950,642
Total Shares and Deposits < 1 Year
91,035,927
Total Shares and Deposits 1 3 Years
1,485,150
Total Shares and Deposits > 3 Years
429,565
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,552,861
Total Uninsured Shares and Deposits > $250K (F+J)
3,552,861
Total Insured Shares and Deposits > $250K (item 17 less item K)
89,397,781
Total Interest Expense (Sum of items 6 8)
319,386
Share Certificates
645
Number of Accounts for Share Drafts
5,632
IRA KEOGH Accounts
205
Number of Accounts for Regular Shares
11,151
Money Market Shares
407
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)
2,998,273
Total Liabilities
93,457,918
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for CHIPHONE yet. Feel free to create one below.
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.
Add Your Rating and Review for CHIPHONE
Frequently Asked Questions About CHIPHONEHow many branches does CHIPHONE operate?CHIPHONE 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 CHIPHONE?Yes, to access services at CHIPHONE, 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, CHIPHONE 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, CHIPHONE provides members with tools to manage their accounts and build a solid financial history. Does CHIPHONE offer online and mobile banking?Most modern institutions like CHIPHONE 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: http://www.chiphone.org. Current CHIPHONE Rates
Retrieved from our database of financial products. Rates subject to change.
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