Chartway Credit Union in Utah: Accounts, Loans, and Member Benefits

Chartway Credit Union in Utah

Chartway Credit Union is a credit union headquartered in Virginia Beach, Virginia. It was founded in 1959 as NorVA N.A.S. Federal Credit Union by seven civilian employees at the Naval Air Station in Norfolk, with the goal of offering low-cost loans and a structured way for members to save. Chartway now has presence in Utah and Texas in addition to Virginia. In this Chartway Credit Union profile, you’ll find key customer service information and an overview of its main banking products available in Utah.

Expansion

Chartway Federal Credit Union’s expansion has been notable over the decades. In 1969, taking advantage of government legislation that made it easier to modify charters, the credit union expanded its membership, welcomed retired Navy civilians, and merged with Radron Credit Union to include the Cape Charles Air Force Station.

Over the years, Chartway Credit Union went through several name changes, from NorVA N.A.S. Federal Credit Union to its current designation as Chartway Federal Credit Union in 1996.

Later, the merger with HeritageWest Credit Union and SouthWest Community Credit Union in 2010—followed by the incorporation of Utah Central Credit Union in 2011—further strengthened its national reach. This strategic expansion has allowed Chartway to serve more than 190,000 members in Texas, Utah, and Virginia, making it one of the largest credit unions in the country.

Chartway Credit Union Products and Services

chartway.com | Products and Services

Chartway Federal Credit Union in Utah offers a range of financial products designed to meet the needs of its members. For a complete list of products, contact Chartway customer service. Available products include:

• • Checking accounts
• • Savings accounts
• • Certificates of deposit
• • Credit cards
• • Loans (including auto, boat, and RV loans)
• • Mortgages
• • Student accounts

These products are designed to help Chartway members manage their finances effectively and reach short- and long-term financial goals.

Chartway Credit Union Checking Accounts

Chartway Federal Credit Union offers a variety of checking accounts designed to fit different needs and preferences. Available accounts include:

• • High-Yield Checking
• • Cash Back Checking
• • Essential Checking
• • Student Checking

Each option offers different features and benefits to help you manage your money in a convenient way.

chartway.com | Checking Accounts

High-Yield Checking

• $0 monthly fee
• Earn interest with 15+ debit card transactions, or with $500+ in direct deposit
• Get access to funds up to 1 day early through direct deposit
• ATM access with $0 fees
• Overdraft protection options
• Free access to your credit score

Cash Back Checking

• $0 monthly fee
• $0 minimum balance requirement
• 3% cash back if you complete all of the following:
  • 10+ debit card purchases per month
  • Enroll in eStatements
  • $500+ in deposits within a monthly cycle
• Up to $10 per month in reimbursements for out-of-network ATM fees
• Overdraft protection options

Essential Checking

• $10 monthly fee,
• or $0 with $500+ in direct deposit and eStatements
• Free credit score monitoring
• $0 overdraft fees

Student Checking

• $0 monthly fee and $0 overdraft fees
• $0 minimum balance requirement
• Allows a minor (age 13+) to open an account with a legal guardian (age 18+) as co-owner
• Debit card for the student
• Free access to a credit score feature to help start building credit early

To open a minor account, you must contact Chartway customer service.

Chartway Credit Union Savings Accounts

Prime Share Savings Account

• Minimum opening deposit: $5
• Starts earning dividends with a $100 average daily balance
• Supports ACH transfers plus mobile and phone deposits

Custom Share Account

• Minimum opening deposit: $0
• Starts earning dividends with a $100 average daily balance
• Good option as a second savings account to separate goals

Bonus Savings Account

• Minimum opening deposit: $100
• Positioned as an option to earn dividends faster

Money Market Accounts (MMA)

• Tiered dividends: higher balances may earn higher rates
• Designed for easier access to funds while earning more than basic savings

Retirement Savings Options

• Traditional IRA and Roth IRA options
• Tax benefits depend on IRA type and eligibility rules

Chartway Credit Cards

General features

• $0 annual fee
• 0% intro APR for 12 months on balance transfers, with a 2% one-time balance transfer fee
• $0 cash advance fee
• Payment protection/cancellation coverage for certain events
• 24/7 lost or stolen card reporting
• Access to 1,000,000+ ATMs worldwide
• $0 liability policy for unauthorized transactions
• Fraud monitoring and identity theft protection

chartway.com | Credit Carts

Visa Signature Rewards Card

• $0 annual fee
• Intro bonus: 20,000 points after $2,000 in purchases within the first 90 days
• 0% intro APR for 12 months on balance transfers (with 2% transfer fee)
• Earn 1.5 points per $1 spent
• $0 foreign transaction fees

Visa Rewards Card

• $0 annual fee
• Intro bonus: $100 statement credit after $1,000 in purchases within the first 90 days
• 0% intro APR for 12 months on balance transfers (with 2% transfer fee)
• Earn 1 point per $1 spent

Visa Preferred Rate Card

• $0 annual fee
• 0% intro APR for 12 months on balance transfers (with 2% transfer fee)
• Contactless payments
• 24/7 access for cash advances
• Fraud monitoring and identity theft protection

Chartway Visa Secured Card

• $0 annual fee
• Earn 1 point per $1 spent
• Fraud monitoring and identity theft protection
• Designed for building or rebuilding credit

Loans

Signature (Unsecured) Personal Loan

• Terms up to 60 months
• Loan amounts up to $35,000
• Fixed, consistent payments

Personal Line of Credit

• Credit lines up to $35,000
• No term limit listed
• Lower monthly payments
• No collateral required

Credit Builder Loan

Chartway’s Credit Builder Loan is designed to combine saving with credit building. The loan amount is held while you make scheduled payments. After you pay it off, you can access the funds for an emergency fund or another savings goal.

• Loan amount: $500 or $1,000
• Terms: 6 or 12 months
• Positive credit reporting with on-time monthly payments

Auto Loans

• Low rates and flexible terms
• No payments for up to 45 days after signing

Recreational Vehicle and Boat Loans

Financing or refinancing is available for:

• Motorhomes
• Boats
• Motorcycles
• Utility vehicles
• Other watercraft
• Other recreational vehicles

Mortgages

• Fixed-rate mortgages: a set interest rate for the life of the loan
• Adjustable-rate mortgages (ARMs): a lower-rate option with a fixed period before the rate can change
• Mortgage refinance: an option to lower your rate, consolidate debt, or fund home improvements
• VA loans: for eligible U.S. veterans and spouses
• FHA loans: designed for lower down payments and more flexible qualification standards
• ITIN mortgage loans: for borrowers without a Social Security number who can apply using an ITIN and other documents
• Home equity loan: terms up to 20 years
• HELOC (home equity line of credit): a revolving line of credit that lets you borrow as needed

Who Can Join Chartway Credit Union?

You may be eligible for membership if you meet one of the following:

• You live, work, study, or attend religious services in an area served by a Chartway branch in Utah
• A family member is currently a Chartway member
• You or an immediate family member works for 1 of the 750+ companies that offer Chartway membership benefits
• You make a $10 donation to the Chartway Promise Foundation

For more details, contact Chartway Credit Union customer service.

Conclusion

Chartway Credit Union began in 1959 as NorVA N.A.S. Federal Credit Union, founded by 7 civilian employees at the Naval Air Station in Norfolk. Headquartered in Virginia Beach, it expanded over time through broader membership eligibility, name changes (becoming Chartway Federal Credit Union in 1996), and mergers that helped it grow beyond Virginia into states like Utah and Texas.

In Utah, Chartway offers a full-service lineup for both everyday banking and larger financial needs, including multiple checking and savings options, CDs, credit cards, personal loans, auto/RV/boat financing, and a range of mortgage products. Membership is also flexible: you may qualify based on where you live, work, study, or attend religious services in a Utah service area, through a family member, through employer eligibility (750+ companies), or by making a $10 donation to the Chartway Promise Foundation.