We're here 24/7 to help when you need financial support.
Access your Chelsea Employees Federal Credit Union accounts anywhere, anytime! Apply for a loan 24/7 from your mobile device!
You've got dreams, we've got solutions!
Credit Union News-
1
Jan
Important Notice: Chelsea Employees FCU will be moving to our new office in the Spring of 2025!
After 89 years nestled in the confines of Chelsea City Hall, the Credit Union will be relocating to a new modern office at 311 Chestnut Street in Chelsea! The new Credit Union is in the same building as the Chelsea Community Cable, next to the Central Fire Station across City Hall Ave.
The move should be complete this Spring. Follow us on Facebook, LinkedIn and X as we count down the days until our move.
31
Dec
CEFCU Partners with Gentreo to Offer Members Estate Planning Benefits
Chelsea Employee FCU is thrilled to announce a new partnership with Gentreo, the leader in online life and estate planning, to provide members with affordable and comprehensive estate planning services.
With Gentreo, members can create a Will, Living Trust, Power of Attorney for Finances, Health Care Proxy, Pet Trust, and more, and securely store them in an online vault that is accessible 24/7. This ensures that estate plans are always up-to-date, easily accessible, and ready to be used when needed.
We’re excited to partner with Gentreo because they offer so much more than just the documents people need. This partnership allows us to help our members prepare for the unexpected and create a complete plan for only $50 per year.
By integrating Gentreo into our suite of member benefits, Chelsea EFCU is providing a valuable resource that empowers our members to protect their families and plan for the future with confidence.
For more information about Gentreo and the services offered, please visit Gentreo's Estate Planning Solutions for Credit Union
Gentreo Estate Planning
Chelsea Employees Federal Credit Union is thrilled to announce a new partnership with Gentreo, the leader in online life and estate planning, to provide members with affordable and comprehensive estate planning services at a special rate for CEFCU Members.
Digital Banking
It's banking 24/7! You can view your account and statements, pay your bills, control your debit card and much more!!! As your full-service electronic branch, it's the quickest and most convenient way to manage your money. Visit our Digital Banking page for helpful click-thru demo's and video tutorials.
Coming in 2025
We have many exciting changes coming in 2025!! This Spring we will be moving our office from City Hall to 311 Chestnut Street between the Chelsea Fire Dept Central Station and Chelsea Community Cable. This Summer, we will converting our systems to provide enhanced banking services which will allow us to offer many new services!
Checking & Savings
As a member-owned nonprofit, our growth is tied directly to yours. That’s why we strive for superior support and service.
Member Loans
Apply online- sign electronically! Great rates and fast service for new and used auto's, personal loans and more...
Home Equity LOC
Use the equity built in your home to access up to $250,000 for major expenses with a 5 year draw and a 15 year repayment period.
Debt Consolidation
as low as
14.90% APR
Auto Loans
as low as
4.90% APR
Home Equity Line of Credit
7.50% APR
We Have Many Reasons to Choose Us
Chelsea Employees Federal Credit Union is
"Where People & Service Matter!"
Benefits for Chelsea Employees FCU Members:
(link to....)

Membership
CEFCU membership is open to employees of the City of Chelsea (municipal, Police, Fire, Schools, etc), Chelsea Housing Authority, Chelsea Restoration and Chelsea Chamber of Commerce.
Learn more >>

CEFCU Debit Card & CardValet
Access your funds 24/7 with the CEFCU Debit MasterCard.
Get card alerts with the CardValet app. CardValet is available at Apple App Store or Google Play

Digital Estate Planning
Thanks to a partnership with Gentreo, members have the opportunity to protect what they love with an easy, convenient and affordable estate planning solution. From Wills and Living Trusts to Health Care Proxies and Powers of Attorney, plus a Digital Vault to share any and all, Gentreo is an award-winning estate planning solution built to stay with users throughout their lives.
Learn more >>

Annual Credit Report
Download your FREE annual credit report from EACH of the three credit bureaus: TransUnion, Experian and Equifax.
Credit reports play an important role in your financial life and we encourage you to regularly check your credit history.
Learn more >>
What Our Members Have to Say
Need to Drop Us a Line?
Contact Us
Your voice matters at Chelsea Employees FCU! We love to hear from our members and want to know how we can better serve you. Please feel free to share about your credit union experience or let us know if there's something we can do improve upon what we're doing. We will listen!
Financial Tips and Money Sense
5 Steps to Buying a New Car with Chelsea Employees FCU
Buying a new car is an exciting milestone, but navigating the financing process can feel overwhelming. At Chelsea Employees Federal Credit Union (CEFCU), we make it easy for our members to secure affordable financing and drive off in their dream car. Follow these five simple steps to make your car-buying experience smooth and stress-free. Step…
Setting a Savings Goal
It’s never too early to start building a strong foundation, and in today’s economy, it’s more important than ever to budget and save. You work hard- you deserve to live comfortably today, tomorrow and always. Get Started Saving It’s important to have a plan in place when you start to save. Take a look at…
Your Credit Score Matters
If your credit history is not where you want it to be, you’re not alone. Improving your credit scores takes time, but the sooner you address the issues that might be dragging them down, the faster your credit scores will go up. The higher your scores, the more likely you are to qualify for loans…