--- title: "Cha-Tel Credit Union Rates - West Virginia" description: "Current vehicle loan, and personal loan rates from Cha-Tel Credit Union in West Virginia. Updated daily with source verification. See who can join Cha-Tel Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/west-virginia/cha-tel" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Cha-Tel Credit Union Rates - West Virginia ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Privacy Policy (36 months)** auto_any_36mo | — APR | 4.740% | 36 mo | Standard | | **36-Month New Motorcycle Loan** motorcycle_new_36mo | — APR | 4.740% | 36 mo · new | Standard | | **36-Month Used Motorcycle Loan** motorcycle_used_36mo | — APR | 5.740% | 36 mo · used | Standard | | **New Boats, Campers and Farm Equipment** boat_new_36mo | — APR | 6.240% | 36 mo · new | Standard | | **ATVs and Jet Skis*** powersports_any_48mo | — APR | 6.490% | 48 mo | Standard | | **Used Boats, Campers and Farm Equipment** boat_used_36mo | — APR | 6.740% | 36 mo · used | Standard | Cha-Tel Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Privacy Policy (Share Secured Loans Up to 60 months Financing 4.00% plus Share Rate)** personal_secured_60mo | — APR | 4.000% | 60 mo | Standard | | **24-Month Signature Loan** personal_unsecured_24mo | — APR | 8.990% | 24 mo | Standard | | **Closed End** personal_unsecured_36mo | — APR | 9.740% | 36 mo | Standard | | **Open End Line of Credit** ploc_variable | — APR | 9.740% | 36 mo | Standard | Cha-Tel Credit Union personal loan rates as of November 12, 2026 ### Other rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Privacy Policy (48 months)** other | — % | 5.240% | — | Standard | | **Privacy Policy (60 months)** other | — % | 5.740% | — | Standard | | **95% or NADA Retail Value** other | — % | 6.240% | — | Standard | | **Privacy Policy (72 months)** other | — % | 6.240% | — | Standard | | **Privacy Policy (66 months)** other | — % | 7.240% | — | Standard | | **Privacy Policy (84 months)** other | — % | 7.490% | — | Standard | | **Privacy Policy (120 months)** other | — % | 8.490% | — | Standard | | **Privacy Policy (24 months)** other | — % | 8.990% | — | Standard | | **Privacy Policy (36 months)** other | — % | 9.740% | — | Standard | Cha-Tel Credit Union other rates as of November 12, 2026 Cha-Tel Credit Union is a credit union in West Virginia. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/west-virginia/cha-tel) , verified from [Cha-Tel Credit Union's official website](https://www.chatelfcu.com/) Loading branch locator… ## About Cha-Tel Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $11.4M Founded 1963 Locations reported 3 NCUA charter 15935 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments 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. [**Charleston Postal** CHARLESTON POSTAL FCU · CHARLESTON · WV · 25309 Nearby ZIP area](https://rateapi.dev/credit-unions/west-virginia/charleston-postal) [**Charleston** MAIN OFFICE · CHARLESTON · WV · 25301-2513 Nearby ZIP area](https://rateapi.dev/credit-unions/west-virginia/charleston) [**Element** Kanawha City · Charleston · WV · 25304 Nearby ZIP area](https://rateapi.dev/credit-unions/west-virginia/element) [**Members Choice WV** Members Choice WV FCU · Charleston · WV · 25302-2209 Nearby ZIP area](https://rateapi.dev/credit-unions/west-virginia/members-choice-wv) [**Peoples** Cross Lanes · Cross Lanes · WV · 25313-1466 Nearby ZIP area](https://rateapi.dev/credit-unions/west-virginia/peoples) [**Pioneer Appalachia** Main Office · Charleston · WV · 25301 Nearby ZIP area](https://rateapi.dev/credit-unions/west-virginia/pioneer-appalachia) Distance data is unavailable for this ZIP. Exact ZIP matches appear first; remaining results share the first three ZIP digits. ## Who Can Join Cha-Tel Credit Union Membership eligibility from Cha-Tel Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Cha-Tel Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Frontier, Verizon, AT&T, Life Bridge of Kanawha Valley, Pinkerton/Burns Security, AVI Food Systems, Fibernet Verified from [Cha-Tel Credit Union's membership page](https://www.chatelfcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Cha-Tel Credit Union Employers 8 · Family 9 published paths to membership, last verified August 21, 2026, quoted from Cha-Tel Credit Union’s own published criteria. ### Employers 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Frontier “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of Frontier - Employee of Verizon “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of Verizon - Employee of AT&T “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of AT&T - Employee of Life Bridge of Kanawha Valley “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of Life Bridge of Kanawha Valley - Employee of Pinkerton/Burns Security “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of Pinkerton/Burns Security - Employee of AVI Food Systems “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of AVI Food Systems - Employee of Fibernet “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties” > [source ↗](https://www.chatelfcu.com/) - Employee of Fibernet - Employee of Cha-Tel “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties, and by members of their…” > [source ↗](https://www.chatelfcu.com/) - Employee of Cha-Tel ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Cha-Tel is owned by over 3,000 employees and retirees of Frontier, Verizon, AT&T and its subsidiaries, Life Bridge of Kanawha Valley and its subsidiaries, Pinkerton/Burns Security, AVI Food Systems and Fibernet who work in Kanawha, Putnam, Clay, Boone, and Lincoln counties, and by members of their…” > [source ↗](https://www.chatelfcu.com/) - Family member of a member 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 Cha-Tel Credit Union? Yes No ## Work at Cha-Tel 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 Cha-Tel Credit Union ranks against West Virginia peers. - See which AI assistants fetched Cha-Tel Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in West Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=cha-tel&state=west-virginia&code=WV&name=Cha-Tel%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Cha-Tel Credit Union offer? Cha-Tel Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Cha-Tel Credit Union rates updated? RateAPI verifies Cha-Tel 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 Cha-Tel Credit Union's rate data? Rate data is collected directly from Cha-Tel Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Cha-Tel Credit Union? Cha-Tel Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 8 employers for Cha-Tel Credit Union, each quoted from Cha-Tel Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Cha-Tel Credit Union's rates against national credit-union benchmarks. [More West Virginia credit unions](https://rateapi.dev/credit-unions/west-virginia) [West Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/west-virginia) [West Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/west-virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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://www.chatelfcu.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 Cha-Tel Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when West Virginia 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 Cha-Tel Credit Union curl "https://api.rateapi.dev/credit-unions/west-virginia /cha-tel " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Cha-Tel Credit Union locations Search, filter, and browse all 3 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/west-virginia/cha-tel Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp