Chartway Credit Union Promotions Overview
This page tracks Chartway Credit Union promotions available to qualifying Utah members and businesses. Coverage may include account bonuses, promotional certificates, credit card offers, relationship benefits, loan discounts, referral programs, and other member deals when available.
Chartway can change or end promotions, rates, and eligibility requirements, so verify the official terms before applying. For a broader look at its accounts, loans, services, and membership requirements, see our Chartway Credit Union profile.
Some promotions may not be publicly advertised. Financial institutions may offer branch-only, relationship-based, preselected, or targeted promotions to certain customers. UtahFi includes offers that can be verified through public or otherwise reliable official sources, so additional promotions may be available to you directly through the institution.
Quick Summary
Here is a quick look at Chartway Credit Union bonuses and promotions currently available to qualifying Utah members and businesses.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | $250 Cash Back Checking bonus for eligible new Utah members who open through the Herriman branch or promotional landing page and meet the requirements. |
| Savings Account Bonuses | No public savings signup bonus or cash deposit incentive. Promotional savings APYs are listed under Promotional Rates. |
| Business Account Bonuses | No public business checking signup bonus or deposit incentive. Premium Business Checking loan discounts are listed under Promotional Rates. |
| Credit Card Bonuses | $200 Cash Back Credit Card welcome offer, 10,000-point Rewards Credit Card welcome offer, and limited-time 5% cash back or 5x points on qualifying grocery purchases for eligible cards opened through December 31, 2026. |
| Promotional Rates | Promotional certificates up to 4.45% APY; Bonus Savings at 2.50% APY; Smart Steps Savings at 5.00% introductory APY; High-Yield Checking up to 5.00% APY; a 0% introductory balance-transfer APR; a 2.99% introductory HELOC APR; and qualifying relationship, loan, and financing incentives. |
| Referral Programs | No public consumer or business member referral bonus is currently available. |
| Member Deals and Discounts | Free Greenlight access for qualifying Chartway families and free Silvur retirement and Medicare-planning resources for members. |
Checking Account Bonuses
The current public Chartway checking offer is a $250 Cash Back Checking bonus for qualifying new members in Utah.
Cash Back Checking — $250 Bonus
| Detail | Offer |
|---|---|
| Bonus | $250 |
| Product type | Personal checking signup bonus |
| Account | Cash Back Checking |
| Minimum to open | No minimum balance requirement; at least $500 in new-money deposits is required to earn the bonus. |
| How to earn it |
|
| Required holding period | No separate holding period is stated. The account cannot have a negative balance when the bonus is paid. |
| Monthly service fee | $0 |
| Potential account cost | $0 in monthly service fees during the qualification period; other account charges may apply. |
| Potential bonus after fees | $250, assuming no other account charges |
| Fine print | ATM transactions, account transfers, and small-value reloads do not count toward the debit-card requirement. The bonus is deposited during the calendar month after the qualifications are completed. Limited to one bonus per member and cannot be combined with another offer. Membership eligibility is subject to verification, and the bonus may be reported to the IRS on Form 1099. |
| Expiration date | Not stated; Chartway may change or discontinue the offer without notice. |
| Availability | Available to qualifying Utah residents who open the account at Chartway’s Herriman branch or through the promotional landing page. |
| Who qualifies | Utah residents age 18 or older who do not currently have a Chartway membership and qualify to become a member. |
More official info: Chartway $250 Cash Back Checking Bonus
The account’s ongoing debit-card cash back, ATM reimbursements, and early-payday benefit are separate from the signup bonus. See our Chartway Cash Back Checking review for evergreen product details.
Savings Account Bonuses
No public Chartway savings account signup bonus or cash deposit incentive is currently available.
Chartway offers promotional APYs on Bonus Savings and Smart Steps Savings, plus a relationship APY bonus on Money Market Plus. These offers are covered under Promotional Rates rather than classified as savings account bonuses.
More official info: Chartway Savings Accounts
Business Account Bonuses
No public Chartway business checking signup bonus or business deposit cash incentive is currently available.
Premium Business Checking loan discounts and the Business Money Market Plus relationship APY bonus are covered under Promotional Rates. For account details, see our Chartway Small Business Checking review.
More official info: Chartway Business Checking Accounts
Credit Card Bonuses
Chartway currently offers welcome bonuses and a limited-time grocery promotion on two consumer credit cards. Its business card does not advertise a welcome bonus.
Consumer Credit Cards
Cash Back Credit Card — $200 Cash Back
| Detail | Offer |
|---|---|
| Welcome bonus | $200 cash back, redeemable through 20,000 points on the CU Rewards site |
| Required spending | $2,000 in net purchases |
| Qualification period | First 60 days |
| Limited-time grocery offer | 5% cash back on qualifying grocery purchases during the first 60 days |
| Grocery offer window | Available for qualifying cards opened October 1–December 31, 2026 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other card charges may reduce the offer’s value. |
| Potential bonus after fees | $200, assuming no interest or other card charges |
| Fine print | The welcome bonus is issued as 20,000 points and must be redeemed for cash back through the CU Rewards site. The grocery offer applies at retailers with qualifying merchant category codes. Costco, Sam’s Club, and Target purchases do not qualify. Required spending and purchases are not treated as costs. |
| Expiration date | Grocery promotion: December 31, 2026. No expiration date is stated for the $200 welcome bonus. |
| Availability | Available to qualifying applicants in Utah. |
| Who qualifies | Applicants approved for the card who qualify for Chartway membership and meet the applicable offer requirements. Current Chartway members may also apply. |
More official info: Chartway Cash Back Credit Card
Rewards Credit Card — 10,000 Bonus Points
| Detail | Offer |
|---|---|
| Welcome bonus | 10,000 bonus points |
| Required spending | $1,000 in net purchases |
| Qualification period | First 60 days |
| Limited-time grocery offer | 5x points on qualifying grocery purchases during the first 60 days |
| Grocery offer window | Available for qualifying cards opened October 1–December 31, 2026 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other card charges may reduce the offer’s value. |
| Potential bonus after fees | 10,000 points, assuming no interest or other card charges |
| Fine print | The welcome-bonus spending requirement applies to net purchases. The grocery offer applies at retailers with qualifying merchant category codes. Costco, Sam’s Club, and Target purchases do not qualify. UtahFi does not assign an unofficial cash value to Chartway points. |
| Expiration date | Grocery promotion: December 31, 2026. No expiration date is stated for the 10,000-point welcome bonus. |
| Availability | Available to qualifying applicants in Utah. |
| Who qualifies | Applicants approved for the card who qualify for Chartway membership and meet the applicable offer requirements. Current Chartway members may also apply. |
More official info: Chartway Rewards Credit Card
The Preferred Rate and Ignite cards do not currently advertise welcome bonuses. Chartway’s balance-transfer APR offers are covered separately under Promotional Rates. Standard cash back and points outside the introductory offers are ongoing rewards, not welcome bonuses.
Business Credit Cards
No public welcome bonus is currently advertised for the Chartway Business Visa Rewards Credit Card. Its unlimited points and $0 annual fee are ongoing card features, not a signup bonus. Qualifying businesses must have a Chartway Prime Share account and operate within Chartway’s general trade area, which includes Utah.
More official info: Chartway Business Visa Rewards Credit Card
Promotional Rates
This section tracks Chartway promotional rates and relationship-based incentives for certificates, deposit accounts, credit cards, loans, and home financing available to qualifying Utah members and businesses. Rates and requirements can change, so verify the official terms before applying.
Promotional Certificates
Chartway offers promotional certificate terms for new money, along with a relationship bonus on qualifying certificate renewals.
Current Promotional Certificate Rates
| Detail | Offer |
|---|---|
| Current rates |
|
| Minimum to open | $500; $100 for members younger than 18 |
| New-money requirement | The certificate must be funded entirely with money not currently deposited at Chartway. |
| Early withdrawal | The 6- and 13-month certificates have an early-withdrawal penalty. The no-penalty certificate permits one penalty-free withdrawal after seven days; additional withdrawals incur a penalty equal to 90 days of dividends. |
| Renewal | The 6-month certificate renews at the current standard 6-month rate, the 13-month certificate renews at the current 12-month rate, and the no-penalty certificate renews at the current 12-month no-penalty rate. |
| Expiration date | Not stated; Chartway may modify or end the offers at any time. |
| Availability | Available to qualifying new and existing Chartway members in Utah. |
More official info: Chartway Promotional Certificates
Certificate Renewal Relationship Bonus
| Detail | Offer |
|---|---|
| Relationship bonus | Additional 0.10% APY at certificate renewal |
| Eligible checking accounts | Cash Back Checking, Essential Checking, and High-Yield Checking |
| Eligible certificates | Certificates renewing into a term of at least 12 months |
| Fine print | The relationship bonus applies at renewal and is not advertised for newly opened certificates. |
| Availability | Available to qualifying Chartway members in Utah. |
More official info: Chartway Checking Accounts
Deposit Account Rates
Chartway’s deposit incentives include promotional savings APYs and relationship bonuses tied to qualifying checking, money market, loan, or credit card relationships.
Bonus Savings — 2.50% Promotional APY
| Detail | Offer |
|---|---|
| Promotional rate | 2.50% APY |
| Balance requirement | $100 |
| New-money requirement | The account must be funded entirely with money not currently deposited at Chartway. |
| Dividend payment | Quarterly |
| Fine print | Funds transferred from IRA accounts do not qualify. Fees may reduce earnings, and the rate is subject to change. |
| Effective date | January 31, 2024 |
| Expiration date | Not stated |
| Availability | Available to qualifying new and existing Chartway members in Utah. |
More official info: Chartway Deposit Rates
Smart Steps Savings — 5.00% Introductory APY
| Detail | Offer |
|---|---|
| Promotional rate | 5.00% APY for the first six months after opening |
| Eligible balance | The portion of the balance from $0 to $2,499.99 |
| Minimum to open | $0 |
| Monthly service fee | $0 |
| Fine print | Standard tiered rates apply to balances above $2,499.99 and after the introductory period. Limited to one personal account per member. No withdrawal penalty. |
| Availability | Available to qualifying Chartway members in Utah. |
More official info: Chartway Smart Steps Savings
High-Yield Checking Relationship APY
| Detail | Offer |
|---|---|
| Relationship bonus | Additional 0.30% APY with a qualifying Chartway loan or Chartway Visa credit card |
| Total qualifying rate | Up to 5.00% APY on balances up to $15,000 |
| How to qualify | Maintain the qualifying loan or credit card, make at least 15 debit-card purchases monthly, receive at least $500 in monthly direct deposits, and enroll in eStatements. |
| Monthly service fee | $0 |
| Fine print | Balances above $15,000 and accounts that do not meet the monthly qualifications earn the applicable Prime Share rate. This is an ongoing relationship incentive, not a temporary signup bonus. |
| Availability | Available to qualifying Chartway members in Utah. |
More official info: Chartway High-Yield Checking
Money Market Plus Relationship Bonuses
| Detail | Offer |
|---|---|
| Personal relationship bonus | Additional 0.25% APY with any personal or business checking account |
| Business relationship bonus | Additional 1.00% APY with a Chartway business checking account |
| Required balance | Maintain an average daily balance of at least $10,000 during the calendar month. |
| Relationship requirement | The checking and Money Market Plus accounts must be held under the same member number. |
| Fine print | Chartway’s published Money Market Plus APYs already include the applicable relationship bonus. The entire advertised yield should not be treated as a promotional rate. |
| Availability | Available to qualifying members and businesses in Utah. |
More official info: Chartway Money Market Plus and Chartway Business Money Market Plus
Credit Card Rates
Chartway offers an introductory balance-transfer APR on three consumer credit cards. Its business credit card does not currently advertise a promotional APR.
Consumer Credit Card Balance Transfers — 0% Introductory APR
| Detail | Offer |
|---|---|
| Promotional rate | 0% introductory APR for 12 months on qualifying balance transfers |
| Eligible cards | Cash Back Credit Card, Rewards Credit Card, and Preferred Rate Credit Card |
| Transfer deadline | Balance transfers must be completed within the first 60 days after account opening. |
| Balance-transfer fee | 3% |
| After the introductory period | The APR becomes variable based on the Prime Rate and the applicant’s creditworthiness, up to 17.89%. |
| Annual fee | $0 |
| Expiration date | Not stated |
| Availability | Available to qualifying applicants in Utah. |
More official info: Chartway Consumer Credit Cards
Loan Discounts
Chartway offers qualifying rate and fee discounts on auto loans and selected business loans.
Auto Loan Discounts and Payment Deferral
| Detail | Offer |
|---|---|
| Maximum rate discount | Up to 0.75% APR |
| Available discounts |
|
| Loyalty requirement | Maintain an existing Chartway loan or at least three open Chartway deposit products. |
| Payment deferral | Qualifying borrowers may defer the first payment for up to 90 days. |
| Fine print | Interest begins when the loan is made and continues to accrue during the deferral period. Approval, rates, and available discounts depend on creditworthiness and other qualifications. |
| Expiration date | Not stated; Chartway may change or discontinue the deferral program. |
| Availability | Available to qualifying Chartway members in Utah. |
More official info: Chartway Auto Loans
Premium Business Checking Loan Discounts
| Detail | Offer |
|---|---|
| Origination-fee discount | 20% off the business loan origination fee, up to $300 |
| Rate discount | 0.25% APR off qualifying business loan rates |
| Relationship requirement | Maintain a Premium Business Checking account. |
| Potential account cost | The Premium Business Checking monthly maintenance fee is waived by maintaining a $2,500 average daily balance. |
| Exclusions | The APR discount does not apply to the Business Visa Rewards Credit Card or previously funded loans. |
| Availability | Available to qualifying Chartway business members in Utah. |
More official info: Chartway Premium Business Checking
Mortgage and Home Equity Offers
Chartway’s current home-financing incentives include an introductory HELOC rate and a no-down-payment mortgage option for qualifying buyers.
Home Equity Line of Credit — 2.99% Introductory APR
| Detail | Offer |
|---|---|
| Promotional rate | 2.99% introductory APR for the first six months |
| Credit requirement | At least one borrower must have a FICO score of 680 or higher. |
| After the introductory period | The rate converts to the variable APR established at application. |
| Closing-cost offer | Chartway waives up to $2,000 in closing costs with a minimum $10,000 advance. |
| Refinancing requirement | A minimum of $10,000 in new funds is required when refinancing. Closing costs may apply when replacing an existing HELOC opened less than 24 months earlier. |
| Fine print | Available for revolving balances, not fixed-rate options. The introductory offer may be used only once every 12 months. Credit approval and property insurance are required. |
| Expiration date | Not stated; the offer may change or end at any time. |
| Availability | Available for qualifying primary or secondary residences in Utah; investment properties are excluded. |
More official info: Chartway Home Equity Loans and HELOCs
First-Time Homebuyer — 100% Financing
| Detail | Offer |
|---|---|
| Financing offer | Up to 100% financing with no down payment |
| Who qualifies | Qualifying first-time homebuyers and applicants who have not owned a home during the previous three years |
| Important distinction | The program reduces the required down payment but is not a cash bonus or grant. |
| Fine print | Mortgage approval, rates, monthly payments, property eligibility, and other loan requirements apply. |
| Availability | Available to qualifying homebuyers purchasing an eligible property in Utah. |
More official info: Chartway First-Time Homebuyer Program
Chartway also advertises Federal Home Loan Bank assistance, but its public terms do not confirm that every program is available in Utah. Those grants are not listed as current Utah offers.
Referral Programs
Chartway’s current public offers were reviewed for consumer and business referral incentives.
No active Refer-a-Friend, credit card, loan, or business member referral bonus is currently available.
Chartway may occasionally provide targeted, branch-only, digital, geographic, relationship-based, or member-specific incentives. UtahFi does not treat these offers as current unless they can be verified through official sources.
Member Deals and Discounts
Chartway members can access selected financial education, family banking, retirement, and Medicare-planning resources at no additional cost.
Free Greenlight Access
| Detail | Offer |
|---|---|
| Benefit | Free access to the Greenlight financial education app and debit card for children and teens |
| How to qualify | Register for Greenlight and add a Chartway checking account as the funding source. |
| Features | Parents can send money, manage chores and allowances, and create savings goals. |
| Availability | Available to qualifying Chartway families in Utah. |
More official info: Chartway Financial Education and Greenlight
Free Silvur Retirement and Medicare Resources
| Detail | Offer |
|---|---|
| Benefit | Free access to retirement and Medicare-planning tools and resources powered by Silvur |
| Resources | Educational tools, Medicare information, enrollment guidance, and help comparing available plan options |
| Important distinction | Chartway provides free access to the planning resources and guidance. Medicare coverage and insurance products are not free member benefits. |
| Availability | Available to qualifying Chartway members in Utah. |
More official info: Chartway Medicare and Silvur Resources
Frequently Asked Questions
These answers explain common eligibility and offer questions about Chartway Credit Union bonuses and promotions available in Utah.
Does Chartway Credit Union offer checking account bonuses?
Chartway may offer checking signup bonuses, debit-card incentives, or other account promotions. Eligibility can depend on membership status, location, account type, deposits, and required account activity. See the Checking Account Bonuses section for currently verified offers.
Does Chartway offer promotional certificates?
Chartway periodically offers promotional and no-penalty certificates. Available terms, APYs, minimum deposits, new-money requirements, withdrawal rules, and renewal terms can change. See the Promotional Rates section for current certificate offers.
Does Chartway offer credit card welcome bonuses?
Chartway may offer welcome bonuses, limited-time spending incentives, and introductory APRs on qualifying consumer credit cards. Welcome bonuses are listed separately from promotional rates and ongoing cash back or points.
Does Chartway offer business banking incentives?
Chartway business incentives may include deposit offers, relationship APY bonuses, business-loan rate or fee discounts, and business credit card promotions. Eligibility can depend on maintaining required Chartway accounts and operating within its business trade area.
Are Chartway promotions available in Utah?
The offers listed on this page are limited to promotions that UtahFi has verified as available to qualifying Utah members or businesses. Individual offers may have additional membership, location, credit, balance, new-money, product, or account-activity requirements.
Can existing Chartway members qualify for promotions?
It depends on the offer. Some promotions are available to existing members, while others are limited to new members, new accounts, new credit cards, new loans, or money not already deposited at Chartway. Review the eligibility requirements for each offer before applying.
For help distinguishing bonuses, promotional rates, discounts, rewards, and other incentives, see Bank Bonuses, Promotions, Rewards, and Incentives: What’s the Difference?
Can Chartway Credit Union have promotions that are not advertised publicly?
Yes. Chartway may provide branch-only, targeted email, direct-mail, digital banking, relationship-based, geographic, employer-group, or member-specific offers that are not listed publicly. UtahFi includes an offer as current only when its terms and Utah availability can be reliably verified through official sources.
Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.
