Chartway Credit Union

Category: Bank

Address: 4373 Cypress Creek Pkwy, Houston, TX 77068, USA

Phone: +18006788765

Opening hours

Sunday: Closed

Monday: 8:30AM–5PM

Tuesday: 8:30AM–5PM

Wednesday: 8:30AM–5PM

Thursday: 8:30AM–5PM

Friday: 9AM–5:30PM

Saturday: 9AM–1PM

Reviews

Carlos Rios

Oct 4, 2022

customer service is not helpful. it is impossible to make a payment with them. Their payment systems don't work and they put you late payments on your credit even though is not your fault.

Cindy Hernandez

Oct 4, 2022

I was just in a call with LINNETT customer service representative and she said she can not help me and she hung up on me!! Chartway customer service is so rude.

Carlos Ríos

Oct 4, 2022

They ruin your credit and put late payments into credit bureaus because their payment systems don't work. It is impossible to make a payment on time with them. if you don't want to ruin your credit stay away from Chartway

John Barrera

Jul 9, 2022

Very courteous, friendly and really helpful!

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Questions & Answers

Can I get per-qualified for a refinance loan?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Yes.

What documents will I need to provide?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Document requirements can change depending on refinance type.

How do I know if my car qualifies for refinancing?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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.

Under what conditions should I consider refinancing my car?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Credit has improved and lower rates being offered

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

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Yes

Should I get approved before going to the dealership?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Not needed but we can do preapprovals. The member can also get approved through the dealership

Will applying for a car loan hurt my credit score?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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 18, 2021
Chartway Credit Union | Oct 18, 2021

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

Are there restrictions on where I can buy a car?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Must be in the US.

How long does my offer last once I am approved?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

30 days

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

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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 fee for applying for a car loan?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

No

What types of car loans do you offer?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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.

Is there a prepayment penalty on any of the mortgage loans?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

No.

Will I have to sign any paperwork in person?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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 18, 2021
Chartway Credit Union | Oct 18, 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 18, 2021
Chartway Credit Union | Oct 18, 2021

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

How long does it take to close the loan?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

30-45 days

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

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

The loan officer will contact the member within 24 hours.

How do I know if I qualify for a mortgage loan?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

To determine qualification members and non-members can submit an application for review.

What types of mortgage loans does Chartway offer?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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 18, 2021
Chartway Credit Union | Oct 18, 2021

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

Do I get a debit card when I become a member?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

Members that open checking accounts can get a debit card mailed or printed instantly in the branch.

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

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 2021

To establish membership only a savings account is required.

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

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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 18, 2021
Chartway Credit Union | Oct 18, 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.

Who can be a member of Chartway?

Chartway Credit Union | Oct 18, 2021
Chartway Credit Union | Oct 18, 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 18, 2021
Chartway Credit Union | Oct 18, 2021

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

If I try to deposit my cash from drive thru Why do you need copy of my future son an laws marriage license . It's like dredlocks on white guy having doing business with chartway .

Elias Leal | Oct 18, 2021
Elias Leal | Oct 18, 2021

They will damage your 2008 avalanche because by they're incompetent e to take care of good truck .

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