Incredible Christmas Loan Special

Need extra cash for the holidays?  Apply for our "Incredible" Christmas loan and borrow up to $2000.
Our rate for this special begins at 9.9% and is determined according to credit score and history.
This loan special begins September 20th and runs through December 23rd, 2018.  Apply online or contact your local branch.
*  $25 Loan Doc fee
*  12 Month Term
*  Balance from previous year can be added to this loan with a maximum loan amount of $2000.  

New Mobile App featuring Remote Deposit Capture!

Our new mobile app is available and ready for download/updates. This new mobile app has many new features:
Remote Deposit Capture, Checkmate will allow you to deposit checks by simply taking a picture with your phone!
Our new app will also allow you to:
Apply for a loan
View current rates
Open new Sub Accounts
Pay Bills online once enrolled in BillPay
Update Personal Information and much more!
Learn more about RDC.

Card Control!

Maximizing convenience and peace of mind while minimizing the risk of fraud, Card Control's real time filters put the user in control over how, when and where their ATM/Debit card (s) may be used.  With one tap from our new mobile app, our Card Control feature will give you full control.

Skip-A-Pay is back!

Need extra cash for the holidays?  Our Winter Skip-A-Pay is back!  Ask how you may qualify to skip your December auto loan payment.  This special offer runs through January 4th, 2019, and does not apply to Mortgage, Visa or HELOC.  Contact us for additional information or to request a Skip-A-Pay, email us at

Your checking account is a Prime Preferred Checking

Your checking account at Chiphone Federal Credit Union is now a Prime Preferred Checking, a Secure Checking account, and a $4.95 monthly maintenance fee will apply. Take a look at the great benefits your Prime Preferred Checking account provides. If you do not want all of the great benefits just let us know. You may opt out of the Prime Preferred Checking and go into the basic Prime Checking. Ask for details. Read More about Prime Preferred Checking.

Monthly Featured Dealer

We are featuring Concord Cars and John's Auto Sales for the months of November and December. For special rates and terms go to our Preferred Dealer page.

*Rate is based on credit score/history. $100 loan document fee applies.

Ask About The New Money Mover Club Account!

We are now offering a Money Mover Club. The Money Mover Club is not associated with any rates so it will not earn dividends. You may move your money in and out of this club as much as you need. With this new club, you may avoid exceeding REG D account limitations. You may open your new Money Mover Club Account via It'sMe247 or at any Chiphone branch location.

Enroll in It'sMe247!

On our HOME page just click on the It'sMe247 login box. Enter your account number then enter the last 4-digits of your SSN. This will be your temporary password. You will be asked to change it. You will need to set up your security questions the first time you login.
You have many options with It'sMe247!

CU*Talk, Telephone Banking

Set up for CU*Talk and take care of your credit union business anytime of day! Call the toll free number 844-606-2326, follow the simple instructions and enroll today. (default password is the last 4-digits of your SSN)

Attention Bill Pay Members!

If you have enrolled in Chiphone's EasyPay and do not use it on a regular basis you may be un-enrolled from the program. Members must use the Bill Pay service to keep it active. Anyone not using the Bill Pay to pay bills for 60-days (2-months) may become deactivated. A $15.00 reactivation fee may be charged. See Bill Payment Agreement & Disclosure. Please contact us at if you have questions or feel free to Call 877-548-8593 for Bill Pay Support.

Now You Can Pay Your Loan Payments With Your Credit Card!

A simple, reliable and safe payment solution for your *over the phone payments. Call any of our branch locations to make a vehicle, home or other payment by using any credit card.

Elkhart 294-3606, 206-2151 or 294-2420
Middlebury 825-7883
Nappanee 773-2428
Merrillville 219-738-3249

*A $5.00 phone transfer fee will apply.


Are your valuables & memorabilia safe and out of harms way? You can make sure by renting a Chiphone Safe Deposit Box.
Safe Deposit Boxes are available at our Elkhart (Beardsley) and our Nappanee branch locations. *View our annual rental fees. Annual Rental Fees are withdrawn from account on July 1st.

You Need A Chiphone Visa! We also offer a $500 limit "Starter Card."

Don't shop without it! Classic, Gold, or Platinum Cards are here!

Classic at 13.9% APR
Gold at 9.9% APR
Platinum at 7.9% APR
Classic 2-Starter at 17.9% APR
We have great Visa Card interest rates and increased credit limits to offer you more! Enroll in Visa@home to receive your statement via your email.

Ask about our FREE Visa balance transfer!

Move your non-Chiphone card balance to a new Chiphone card for a lower rate. Your Visa statement will include information on the Visa Program changes as well as credit line increase. For additional information or if your card is lost or stolen call our Visa Department at 574-294-3606 x1425.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

If you purchase items on line be sure to sign up for Verified by Visa. Go to our LINKS page and protect yourself by signing up today!

Sign up for Free E-statements!

Just say "NO" to paper statements. Free E-Statements are offered through It'sMe247 On-Line Banking service. To receive your statement electronically you will need to enroll in It'sMe247 via our HOME page. Make sure we have your current email address on file. E-statements are a fast, free, and convenient method to receive your account history each month. Act now! If you have any questions feel free to give us a call at:

Elkhart 574-294-3606, 206-2151 or 294-2420
Merrillville 219-738-3249
Middlebury 574-825-7883
Nappanee 574-773-2428

Chiphone is not calling members to get information!

Please do not give any account/personal information to anyone calling from any organization. The scammers may identify themselves from what may sound like a reputable institution. We fear they are trying to receive account information in hopes that you will send money to them. Please do not fall prey to this scam.

Do not be a victim of phone fraud, internet fraud or other means the criminal may use. If you receive this type of call, hang up and notify us immediately.

Attention Debit Card Users!

Current fraud patterns have caused us to place restrictions on cards being used in Maryland, Mississippi, North Carolina, Pennsylvania, Illinois, Alabama, California, Florida and Texas. If you are traveling in these states you will only be able to use your debit card with PIN-based transactions. Your card will be denied if you use it as a credit or signature-based transaction. Before you leave on your trip, whether you travel in the US or over seas please call our Electronic Services Department. Make sure we have a current phone number to reach you if we need to.

"The Financial Action Task Force (FATF) is the global standard setting body for anti-money laundering and combating of terrorism (AML/CFT). On February 16, 2012, FATF issued a statement urging all jurisdictions to consider the risks arising from the AML/ CFT deficiencies in Ghana, Indonesia, Pakistan, Tanzania, and Thailand. Effective March 15, 2012 Meta, our gift card processor, is prohibiting transactions with Ghana, Indonesia, Pakistan, Tanzania, and Thailand......." Meta has added Ecuador, Vietnam and Yemen to the prohibited countries list. On August 28, 2013, FATF issued a statement urging all jurisdictions to consider the risks arising from the AML/CFT deficiencies in Ecuador, Vietnam and Yemen.

Beginning August 9, 2012 all new and existing Gift Cards will be limited to use in the United States only. This usage includes US military bases and US territories such as Puerto Rico, US Virgin Islands,

Do Not Be A Victim Of Fraud! Protect yourself!

Keep your personal information personal!

Here are some safety tips to live by:

  1. Chiphone will never ask for info via email or phone unless you have initiated the contact.
  2. Do not write your pin# on your ATM, Debit Card or Credit Card.
  3. Do not carry your pin# in your purse or wallet.
  4. Do not give your pin# to anyone you do not know or trust.
  5. Do not share your personal information with anyone.
  6. Do not respond to any email or phone call, including cell phones, asking for your personal information!
Help us protect you!

Chiphone is Safe & Sound!

Federal deposit insurance increased from $100,000 to $250,000.

Your share account at Chiphone is insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund). All Federally insured Credit Unions pay into this fund. Federal Credit Union share accounts are backed by the full faith and credit of the United States Government. The NCUA, a U.S. Government Agency, is the regulator of these funds. This makes this fund the strongest of its type, including the FDIC.

Some retirement accounts are insured up to $250,000. Please contact us if you have further questions. You may go to the Indiana Credit Union League site at or go to for additional information.

Changing Jobs? Chiphone can help you through the transition.

*We can offer you a special loan payment plan for your Chiphone loan(s).

*We can assist you with your 401K rollover, providing investment options.

We will work with you to help guide you in the right direction. Feel free to contact us! For Elkhart call 574-294-3606, 574-206-2151, or 574-294-2420. Nappanee call 574-773-2428 and for Middlebury call 574-825-7883. At Chiphone Federal Credit Union our purpose is "people helping people".

*Enroll in Chiphone's Free bill pay service.

You may enroll through It'sMe247.

Once signed up you can enroll in EasyPay, powered by iPay.

EasyPay will allow you these options: Pay Bills -- Quick Pay -- Payment Calendar -- Payment History. Once on It'sMe247, follow the easy to read options on the EasyPay screen. No need to buy postage stamps again!

No need to drive to a location! Enroll in other convenient services provided by your credit union.

E-statements - -CU*Talk -- ATM Ca$h Card -- Visa Check Debit Card -- Direct Deposit/Payroll Deduction and more!

Fraud Contacts: Protect what is yours!

Register your Visa Credit, Visa Debit and/or your Reloadable Prepaid Cards for Visa Purchase Alerts Here.

Learn how to protect your privacy, your family, and your PC. Do you know what to do if you are a victim of Identity Theft? Get educated today!

Specials For Chiphone Members Only!

Sprint Nextel Wireless is offering $100 ca$h back with every new line. Visit or text "BEN" to 313131 to find out more.

Sorg Jewelers will give *15% discounts to all Chiphone members for new items purchased at their CR 17 or Goshen store location. For details and full discount disclosure call Darin Sorg at 294-5406.

*Some exclusions may apply.

ATTENTION! Traveling out of the country?

All Chiphone Visa Credit & Debit Cards used in Mexico and some other foreign countries will be blocked. If you are planning to travel out of the country and will be using your Chiphone Visa Credit Card or Debit, please contact the Credit Union prior to your trip. Call 574-294-3606.

Check Reorder

Reordering Checks just got easier! Call 1-800-355-8123 or click on the link