Savings accounts

Savings accounts

The dividend rate is declared periodically by the Board of Directors after providing for expenses and reserves. Dividends are paid at a rate competitive with other financial institutions.

Club accounts

Christmas Stocking, "Mad Money" or Vacation. Disbursements from the Christmas Stocking Club are made October 1st, while the use of the other account is at your discretion.

Youth accounts

Our youth accounts offered here, are a great way for your children to save and get established with a financial institution, and it's FREE to open one!

Any child who attends school (K-12) in any public, private, or parochial school in Chenango, Delaware, or Otsego County is eligible for membership with us!

Share certificates

Offer higher rates of interest for specified time periods. Details and current rates are available at our office.


According to Federal Regulation D, you are only allowed a total of six automatic transfers out of your savings account per calendar month. This includes automatic overdraft, voice response system, home banking (internet) and electronic (ACH) withdrawals. Starting January 1, 2013, our system will not permit transactions over the allowable limit of six and items may be returned unpaid with a non-sufficient fund fee of $30.00. Chen-Del-O FCU strongly encourages you to get as many of these automatic electronic (ACH) withdrawals or transfers restricted or changed as soon as possible. As always, if you have any questions about Regulation D, please call our office and we will be happy to assist you.