Please excuse our                                                                   website!!!


We are changing the look of our website, if you need help in finding something while we are going through the construction phase, please contact the office at 607-829-3560.  



Thank You!


For all our members and their guests for attending our Annual Meeting! We tried something a little different and it was a great success!




Secret Santa for
Sr. Citizens has gone sunny!!


We are bringing sunshine to our Senior Citizens!


Once again, with the help of Delaware County Office for the Aging, we will be collecting gifts May 1- June 30, 2017 for delivery in early July. A location in the lobby area will be set up for members to pick an individual listed by item. The items will need to be brought back wrapped in a cheerful patterned paper with the label on the front of it. We will also take monetary donations and will either buy left over items with it or donate it directly to the Office for the Aging to be used for other expenses or programs (ex: Meals on Wheels). The Senior Citizens are very appreciative and the Credit Union is happy we can help! 








Chen-Del-O FCU requires that all members who visit our site review, abide by, and agree to ALL of the terms, policies and conditions that are outlined in our Account User Agreement, Privacy Policy and this Home Banking Agreement & Disclosure. By accessing this site and or logging into our Home Banking Service you are acknowledging  your acceptance of this agreement and YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS outlined herein. “We” and “Our” refers to Chen-Del- O FCU and all employees employed therein. “Member”, “User” and “You” refer to anyone who accesses, views and or downloads information to and/or from our website.



  1.   All accounts are regulated by the “Truth in Savings” disclosure that you received when you opened your account.

  2.  Passwords are provided for your protection.  Your password should be kept confidential.  Users are encouraged to change their passwords on a regular basis to ensure the security of their accounts. If you believe your password has been lost, stolen or otherwise compromised in any way, you are required to notify us immediately to minimize liability for unauthorized use of your account.

  3.  Home Banking is provided as a service to our members.  The accuracy and the timeliness of our information is our number one priority.  All such information, software, services and related graphics are provided “as is” without warranty of any kind. There are no other warranties which extend beyond this agreement. Chen-Del-O FCU and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and noninfringement. You specifically agree that Chen-Del-O FCU shall not be responsible for unauthorized access to or alteration of your transactions or data, any material or data sent or received or not sent or received or any transactions entered into through a credit union site/service.  You specifically agree that Chen-Del-O FCU is not responsible or liable
    for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that Chen-Del-O FCU is not responsible for any content sent using and/or included in a Chen-Del-O FCU site/service by any third party. In no event shall Chen-Del-O FCU and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including without limitation, damages for loss of use, data or profile, arising out of or in any way connected with the use or performance of the Chen-Del-O FCU site/services, with the delay or inability to use the Chen-Del-O FCU site or any related services, the failure to provide services, or for any information, software, products, services and related graphics obtained through the Chen-Del-O FCU site, even if Chen-Del-O FCU or any of its suppliers has been advised of the possibility of damages.If you are dissatisfied with any portion of the Chen-Del-O FCU site/services or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Chen-Del-O FCU site/services.

  4.   Home Banking services are provided with no monthly or any other fees.

  5.  We are not responsible for any usage fees, service charges, or any other fees that are charged by your Internet Service Provider.

  6.  Users are granted strict and explicit access to their own personal information.  Each user will be allowed to: View account balances and transaction history; make transfers to accounts within the credit union; change their password; search for cleared checks and access additional services that users are granted explicit privileges to.

  7.  All transactions that take place on the site will appear on your monthly statement.

  8.  In the event of a dispute regarding transactions that have taken place through Home Banking, the Credit Union should be contacted immediately at 607-829-3560.  Written communication can also be made to Chen-Del-O FCU, PO Box 102, Franklin, NY  13775. All disputes must be brought to our attention within 60 days of the statement mailing. All claims will be investigated by the credit union and the user will be notified within 60 business days of our receiving the complaint.

  9.  Chen-Del-O FCU’s Home Banking site is “live”. When you use Home Banking your transactions are posted immediately to your account unless the case of unforeseen circumstances.

  10.  Responsibility for intentional or unintentional inaccuracy resides with the member. If for any reason you believe your account is inaccurate you are responsible to  notify the Credit Union as soon as possible so adjustments can be made.

  11.  Personal and financial privacy is one of our highest priorities. We make every effort to ensure your data’s security. We strive to ensure we meet all Federal, State and local laws regarding data transmission and DigiCert is our servicer’s seal. All transactions are logged and recorded to prevent abuse of the Home Banking service. In the event of misuse or abuse of our services, your information may be provided to third parties as permitted by law.

  12.  The laws of New York State apply to all Term, Conditions and Policies found herein.

  13.   Your Credit Union may be contacted at: 607-829-3560, PO Box 102, Franklin, NY  13775.