--- title: "Chivaho Credit Union Rates (Nov 2026): CDs to 4.55%" description: "Chivaho Credit Union rates today: savings & CDs up to 4.55% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Chivaho Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/ohio/chivaho" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Chivaho Credit Union Rates (Nov 2026): CDs to 4.55% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Member Advantage Auto Loan** auto_any_72mo | — APR | 4.000% | 72 mo | Standard | | **New Auto Loan** auto_new | — APR | 4.250% | new | Standard | Chivaho Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 9.900% | — | Standard | Chivaho Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Share ($50.00 above)** savings | 0.10% APY | 0.10% | — | Standard | | **Traditional** savings | 0.50% APY | 0.49% | — | Standard | | **Tier I: $1,000 - $9,999.99** savings | 1.65% APY | 1.64% | — | Standard | | **Tier II: $10,000 - $49,999.99** savings | 1.75% APY | 1.73% | — | Standard | | **Tier III: $50,000 - $99,999.99** savings | 1.85% APY | 1.83% | — | Standard | | **Tier IV: $100,000 - Above** savings | 2.25% APY | 2.23% | — | Standard | | **Early Bird Savings Club Max Amt. $1,000, One Per Account** savings | 4.00% APY | 3.93% | — | Standard | | **12-Month Certificate** cd_12mo | 4.00% APY | 3.93% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 4.00% APY | 3.93% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | 4.25% APY | 4.16% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | 4.40% APY | 4.31% | 24 mo | Standard | | **30-Month Certificate** cd_30mo | 4.48% APY | 4.39% | 30 mo | Standard | | **60-Month Certificate** cd_60mo | 4.55% APY | 4.45% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 4.55% APY | 4.45% | 48 mo | Standard | Chivaho Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Here for You Loan** other | 5.990% % | 5.990% | — | Standard | Chivaho Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.55% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/ohio/chivaho) , verified from [Chivaho Credit Union's official website](https://chivaho.com/) Loading branch locator… ## About Chivaho Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.2K Assets $36.9M Founded 1948 Locations reported 2 NCUA charter 5741 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Homeland** Caldwell · Chillicothe · OH · 45601 About 1.6 miles away](https://rateapi.dev/credit-unions/ohio/homeland) [**Universal 1** Chillicothe · Chillicothe · OH · 45601-1789 About 3.3 miles away](https://rateapi.dev/credit-unions/ohio/universal-1) [**Atomic** Atomic Credit Union - Chillicothe Bridge St · Chillicothe · OH · 45601 About 3.6 miles away](https://rateapi.dev/credit-unions/ohio/atomic) [**Desco** Desco Federal Credit Union · Lucasville · OH · 45648 About 29.8 miles away](https://rateapi.dev/credit-unions/ohio/desco) [**OUCU Financial Credit Union, Inc.** Logan Branch · Logan · OH · 43138 About 33.2 miles away](https://rateapi.dev/credit-unions/ohio/oucu-financial-credit-union-inc) [**Lan-Fair** LAN-FAIR FEDERAL CREDIT UNION LANCASTER LOCATION · LANCASTER · OH · 43130-9669 About 33.5 miles away](https://rateapi.dev/credit-unions/ohio/lan-fair) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Chivaho Credit Union Membership eligibility from Chivaho Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Chivaho Credit Union's website. Check the membership page below to confirm whether you qualify. - Location ross — OH - Employer Immediate family of current member, Business or other legal entitites located in Ross, businesses and other legal entities - Association Organizations of current members Verified from [Chivaho Credit Union's membership page](https://chivaho.com/about/index.html) . Final membership determination is always made by the credit union. ## Membership rules for Chivaho Credit Union Geography 1 county · Employers 3 · Associations · Family 4 13 published paths to membership, last verified August 27, 2026, quoted from Chivaho Credit Union’s own published criteria. Source-page proposal coverage: 4 of 8 extracted claims verified; 0 withheld. Only verified rules are shown here. This measures claims found on the reviewed source page, not every possible real-world membership path. ### Geography 1 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Ross County, OH “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Ross County, OH” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of member company “Immediate family of current member” > [source ↗](https://oasis4.espsolution.net/cocu/Applications/newmembership.aspx?visitor=Y) - Employee of member company - Employee of Business “Business or other legal entitites located in Ross” > [source ↗](https://oasis4.espsolution.net/cocu/Applications/newmembership.aspx?visitor=Y) - Employee of Business - Employee of businesses and other legal entities - Works in county:OH:ross “Any businesses and other legal entities located in Ross County, Ohio” > [source ↗](https://chivaho.com/about/index.html) - Employee of businesses and other legal entities and Works in Ross County, OH ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Organizations of current members “Organizations of current members” > [source ↗](https://chivaho.com/about/index.html) - Member of Organizations of current members ### Family 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse “Spouses of persons who died while within the field of membership of this Credit Union” > [source ↗](https://chivaho.com/about/index.html) - Family member (spouse) of a member - Family of a member spouse, child, sibling, parent, grandparent, grandchild, household member “Immediate family member or household. As it relates to eligibility to join a Credit Union, immediate family member is defined as a spouse, child, sibling, parent, grandparent, or grandchild if not living in the same residence. Household is defined as persons living in the same residence and who…” > [source ↗](https://chivaho.com/about/index.html) - Family member (spouse, child, sibling, parent, grandparent, grandchild, household member) of a member - Family of a member immediate family “Our member’s immediate families” > [source ↗](https://chivaho.com/about/index.html) - Family member (immediate family) of a member - Family Of Deceased surviving spouse “Spouses of persons who died while within the field of membership of this Credit Union” > [source ↗](https://chivaho.com/about/index.html) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Chivaho Credit Union? Yes No ## Work at Chivaho Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Chivaho Credit Union ranks against Ohio peers. - See which AI assistants fetched Chivaho Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Ohio - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=chivaho&state=ohio&code=OH&name=Chivaho%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Chivaho Credit Union offer? Chivaho Credit Union currently offers Auto loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Chivaho Credit Union rates updated? RateAPI verifies Chivaho Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Chivaho Credit Union's rate data? Rate data is collected directly from Chivaho Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Chivaho Credit Union's best CD rate? As of November 12, 2026, Chivaho Credit Union offers savings and certificate (CD) yields up to 4.55% APY. ### Who can join Chivaho Credit Union? Chivaho Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 1 county, 3 employers and 1 association for Chivaho Credit Union, each quoted from Chivaho Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Chivaho Credit Union's rates against national credit-union benchmarks. [More Ohio credit unions](https://rateapi.dev/credit-unions/ohio) [Ohio auto loan rate leaders](https://rateapi.dev/auto-loan-rates/ohio) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://chivaho.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Chivaho Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Ohio credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Chivaho Credit Union curl "https://api.rateapi.dev/credit-unions/ohio /chivaho " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Chivaho Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/ohio/chivaho Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp