Chartway Credit Union

Category: Bank in West Jordan, Utah

Address: 2089 W 9000 S, West Jordan, UT 84088, USA

Phone: +18006788765

Opening hours

Sunday: Closed

Monday: Closed

Tuesday: 9AM–5:30PM

Wednesday: 9AM–5:30PM

Thursday: 9AM–5:30PM

Friday: 9AM–6PM

Saturday: 9AM–1PM

Reviews

Brooklyn Hutto

Sep 28, 2022

I wasn't given a choice with my car loan and Chartway has been the WORST as far as trying to even speak to someone without driving to a location. The automated system is the worst design I've experienced and all but ONE of the representatives I've spoken to seemed irritable and annoyed that they had to talk to me. I'll never use Chartway again once I refinance.

Cristian Castro

Jul 22, 2022

Came in here to make a $300 deposit and they deposited into someone else account. I told them about the mistake they did and then they only deposited $200 into my account. I asked about the other $100 they said ''I dint do that $300". I told them to check the cameras and to check the statement they gave me from the other person and they dint bother. Now I have do a complaint to NCUA, and open a new account else where. Update: They contacted Me and gave me my money back. Thank you.

Lala Quintero

Mar 18, 2022

I really like this bench , your very good attention Pao very kind always !!

Karma Siegle

Jan 14, 2022

Posted hours online and on the door say they open at 8:30, yet some chick just sat behind the desk with the door locked tapping her nails against the desk like she was bored until almost 9:30. Either change your hours or do your job.

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Questions & Answers

When is the best time to refinance my car?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Refinancing a vehicle is a big decision that may take careful thought and planning before moving forward. The best time to refinance is when you and your circumstances necessitate it most, making it a highly personal choice.

How often are interest rates updated, and where can I see them?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

All Chartway interest rates can be viewed daily through the website or found by visiting any one of the Chartway banking branches in person.

I just bought my car. Can I refinance?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Members of Chartway are welcome to refinance their loans as soon as the title has been received for the vehicle.

How do I know if my car qualifies for refinancing?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Once your Auto Refinance Loan is submitted, Chartway’s loan officers will immediately evaluate the application and deliver an answer within one or two business days.

Will refinancing my car loan hurt my credit score?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Applying for a vehicle loan requires a hard credit pull which can affect a credit score

Can I refinance an existing loan that’s not through Chartway?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Yes

Will applying for a car loan hurt my credit score?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Applying for a vehicle loan requires a hard credit pull which can affect a credit score

What options exist for making payments?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Online banking (internal and external transfer), going to branch, EFT from another inst, internal automatic payment

Do I need to know what type of car I am purchasing before I apply?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

No

How long does my offer last once I am approved?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

30 days

How soon will I find out if I have been approved?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Once your loan application is submitted, Chartway’s loan officers will evaluate the application and deliver an answer within one or two business days.

Is there a prepayment penalty?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

No

What types of car loans do you offer?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

We offer New and Used Auto Loans as well as Auto Loan Refinance. Visit our site to see our current rates and options for Auto Loans.

How do I get approved for a housing loan?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

To get approved for a home loan, you need to have your finances in order to prove to your lender that you can afford your home. Before applying, you want to have this information on hand Your monthly income Your total monthly debts Your credit score Your maximum monthly mortgage payment Your down payment amount With this information on hand, you can go into the home buying process prepared, which will increase your odds of approval.

What credit score is needed for a home loan?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Depending on the type of home loan you apply for and your lender, the minimum credit score will vary. In general, you want a score of at least 620, though some loans allow you to qualify with a credit score in the 500s.

How do home loans work?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

A home loan is a mortgage you get from a lender that loans you the money to pay for your property using your house as collateral. You must repay the loan with interest over usually 15-30 years.

What loan is best for first time home buyers?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

The best loan for a first time home buyer is dependent on your background. A conventional fixed-rate loan is always a great option if you have 20% saved for a downpayment. If you have a military background, you can also get 100% financing with a VA loan.

Will I have to sign any paperwork in person?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Most of the disclosures that we provide the member can sign electronically. There are a few that require manual signature, but we usually send by email and they scan them back to us, or I recommend they go to their nearest branch and a team member can send it back to us. The closing paperwork at the very end is done in person.

Once I apply, how long is my interest locked in?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

When they apply, they don't necessarily lock in their interest rate. They can lock in up to 7 days prior to the closing date, but until they are locked in, the rates can fluctuate. The longest we can lock the rate is 60 days, but we usually don't lock them for more than 45 days. There is also a 30 day option and a 15 day option.

How do I know what type of mortgage is best for me?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

You can schedule an appointment with one of our experienced and dedicated Mortgage Loan officers to find the best Home Loan for you.

Once I apply how soon can I expect to hear back?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

The loan officer will contact the member within 24 hours.

How much should I have for a down payment?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Down payment requirements can change depending on loan type. You can schedule an appointment with one of our Mortgage Loan Officers for more information

Can I get pre-approved for a Chartway mortgage loan?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Yes! We offer fast pre-approvals, this allows you to shop for your home knowing exactly what you can afford

What types of mortgage loans does Chartway offer?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

We offer Conventional Fixed Rate Mortgages , FHA Insured Loans, and VA Loans. You can visit our website to learn more about the Home Loans we offer.

Can I get a loan without being a member?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

To finance a loan with Chartway you will also be required to establish membership by opening a savings account.

Do I have to open a checking and savings account in order to be a member?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

To establish membership only a savings account is required.

Do I have to keep a minimum balance in my accounts?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Chartway offers different checking account types with different requirements. Our representatives can assist you in finding the account that best suits your needs.

What documents do I need in order to join a credit union?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

New members will need to provide a Class 1 ID and proof of address if their address is different than listed on the ID.

What are the benefits of joining Chartway?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

We believe in providing better products, better customer service, and the best value possible for our members. We offer straightforward checking accounts and deposit accounts, low-interest rate loans, high yield savings accounts, and online and mobile banking—all designed to save you more so that you can live more affordably.

Will Chartway run my credit if I join?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

Chartway processes a soft credit pull that does not impact your credit.

Who can be a member of Chartway?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

a. You live, work, go to school, or worship in an area served by one of our branches b. Someone in your family is currently a Chartway member c. You or an immediate family member works for one of the 750 companies who have chosen to offer Chartway’s credit union benefits to their employees d. You make a $10 donation to our philanthropic arm, the We Promise Foundation

Is there a membership fee to join Chartway?

Chartway Credit Union | Oct 9, 2021
Chartway Credit Union | Oct 9, 2021

No, there is no membership fee to become a Chartway member.

Trying to use site from phone for 1st time. My computer is down How can I check my balance. Make it easy I'm a senior with little knowledge.

Joie Smith | Oct 9, 2021
amilcar lopez | Oct 9, 2021

Get the chartway app in your phone, and then use you account and password to log in

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