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! 





By accepting the Agreement, you are signing up to receive your account statements online, rather than by postal mail. Please carefully review the information below as it contains important details about this service.
E-Statement Agreement
This Agreement is a contract that establishes the terms covering the electronic delivery of your periodic account statements (E-statement). By entering into this agreement, you accept all of the terms and conditions contained herein. Each of your accounts at Chen-Del-O FCU is also by the applicable account disclosure/agreement and Truth In Savings disclosure you received when you opened your account.
E-Statement Delivery Consent
By accepting this Agreement, you agree to receive your periodic account statement(s) electronically via the Chen-Del-O FCU Home Banking website. You also agree to allow newsletters, promotional materials and future notices or disclosures as required by law to be delivered electronically via email or the Home Banking website. You will no longer receive these items via U.S. mail.
Accessing E-Statements
Your E-Statement will be available as soon as possible after the end of the month, but no later than the 10th day. You will need to log into your account through the Chen-Del-O FCU Home Banking website. You may request a paper copy of your statement at any time by contacting us at 1-800-462-0320 or
Hardware and Software Requirements
In order to receive Online Statements, your computer must meet the following requirements: Javascript enabled PDF viewer installed Use one of the following web browsers:
Internet Explorer, version 7.0 or higher
Firefox Browser, version 10.0 or higher
Google Chrome
Safari, version 5.0 or higher
E-mail Address
In order to receive e-statements you must provide Chen-Del-O FCU with a valid e-mail address in a timely manner. If we have an invalid e-mail address you will be removed from the e-statement program and issued paper statements to your last known address until this is corrected. It is your responsibility to ensure that, if your Internet Service Provider filters your e-mail for SPAM, that you are able to receive e-mails from
Governing Law
This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of New York and the Bylaws of the Credit Union as they now exist or may be hereafter amended. You understand that we must comply with these laws, regulations and rules.
You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation or rule, the terms of the Agreement will prevail to the extent of any such law, regulation or rule may be modified by this agreement between us.
Your Right To Terminate
You may withdraw your consent to receive E-Statements at any time by contacting us at or in writing to: Chen-Del-O FCU, PO Box 102, Franklin, NY 13775.
Please note it may take up to 7-10 business days for your request to be processed depending on the method with which you notify us.
Chen-Del-O FCU reserves the right to change the terms and conditions upon which this service is offered. Chen-Del-O FCU will post the notice on the Home Banking Website at least thirty (30) days before the effective date of any change. Use of the E-statement service is subject to existing regulations governing you accounts and any future change to those regulations.
In Case of Errors or Questions About Your Statement
If you think your statement is wrong, or if you need more information about a transaction on your statement, write to us at the address shown on your statement as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, please provide us with the following information: Your name, account number, dollar amount of the suspected error and describe the error if you are able. You do not have to pay any amount in question while we are investigating, but you will still be obligated to pay the parts of your statement which are not in question. While we investigate your questions, we cannot report you as delinquent or take any action to collect the amount you question.
Review of E-Statements
You must promptly review your E-statement and any accompanying items and notify us in writing with the applicable time period of any specified error, unauthorized signature, unauthorized withdrawal, alteration or other irregularity.