CHHE Federal Credit Union is a member-driven financial cooperative offering diversified services to complement individual and business needs. Presented below is a description of the services that CHHE FCU offers in addition to other benefits and essential information.
Services
- Personal Banking
- Checking Accounts:
- Basic Checking: Core features are provided, with online access and a debit card, but it carries very minimal fees.
- Interest-Bearing Checking: An account where interest will be applied to your balances, which is liable to vary, based on your account balance and the position of the market.
- No-Fee Checking: No monthly maintenance fee, no minimum balance required.
- Savings Accounts:
- Regular Savings: This refers to regular savings accounts that are competitive in their interest rates of payment.
- High-Yield Savings: Higher interest rate accounts on bigger balances or for a longer period.
- CDs: Accounts with fixed terms and returns guaranteed, and interest rates are higher according to the term of deposit.
- Loans:
- Personal Loans: Unsecured loans for personal use or debt consolidation; sudden outlay of money is not a worry.
- Auto Loans: Competitive rates to buy or refinance a vehicle.
- Home Equity Loans: Backed up by the equity in your home, funds available for house improvements, or any need that you may have.
- Mortgages: Various home loan products covering the following areas: purchasing or refinancing a home, Fixed Rate Mortgages, and Adjustable Rate Mortgages.
- Credit Cards:
- Rewards Cards: With points, cashback, or other types of rewards for shopping
- Low-Interest Cards: Those with low APR’s for balances
- **Online & Mobile Banking: **
- Mobile Banking App: Take control of accounts, transfer funds, pay bills, and even deposit checks remotely from any mobile device.
- Online Banking: Account information can be viewed, transactions managed, and other banking services conducted through this credit union’s website.
- Business Banking:
- Business Checking & Savings Accounts: Special accounts for small to mid-sized businesses, including an option managing business cash flow and earning interest.
- Business Loans:
- Term Loans: Business loans for specific purposes, with fixed terms for repayment.
- Lines of Credit: Business lines to manage working capital and help with operational needs.
- Equipment Financing: Business loans to buy or upgrade business equipment.
- Merchant Services: Business payment processing services, including point-of-sale systems and online payment options.
- Investment Services:
- Wealth Management:
- Investment Planning: Individual strategies for growing and managing investments, looking toward your goals.
- Portfolio Management: Custom investment portfolios aligned with your risk tolerance and financial objectives
- Retirement Accounts:
- IRAs: Individual Retirement Accounts providing certain tax advantages to save for retirement.
- 401(k) Rollovers: Help with moving retirement money accounts from former employers into new accounts.
- Other Services:
- Insurance: variety of insurances, including auto, home and life, sometimes through an association with insurance companies.
- Financial Education: These are resources and tools that can enable members to make proper, informed decisions on finances through workshops, seminars, and web-based education.
Benefits
- Member-Centric Focus: CHHE FCU works on a not-for-profit basis; hence it is more focused on the interest of its members as opposed to maximization of profit. In most cases, this translates into better rates and lower fees.
- Competitive Rates: Offers competitive rates on savings accounts, loans, and credit cards for the benefit of the members in terms of earning higher returns or paying lower for borrowings.
- Personalized Service: Commitment to providing financial solutions tailored to meet the unique needs of every person and business; exceptional customer service.
- Community Engagement: Donates its time that is highly regarded towards local events and activities, hence creating a stronger bond within the community.
- Convenience Banking: Offers state-of-the-art online and mobile banking convenience services that help members easily keep their finances up to date from any location.
How to Get Started
- Eligibility: It may comprise the following criteria to be a member:
- Employees of certain companies or organizations that are part of the credit union
- The eligible employee’s family members
- People who live in certain communities or belong to specific groups – A credit union’s website will have an up-to-date account of exactly who can qualify to be a member
- Website: Account types, loan products, and other services.
- Contact Member Services: For specific questions or to receive personal assistance, contact their customer service team.
- Visit a Branch: If one would like to receive services in person, they may visit a local branch to open accounts or apply for a loan and for assistance.
General Notes
- History and Reputation: Though credit unions are member-owned institutions, CHHE FCU is especially loyal based on strong history and firm commitment to community and financial solvency.
- Technology and Security: The investment in up-to-date technology to achieve secure, effective banking experience for members.
CHHE Federal Credit Union values a wide array of financial services focusing on member satisfaction, competitive rates, and commitment to community activities. They will support personal and business financial needs by remaining strongly oriented to the Membership and the communities they serve.
