About Us

Mission Statement

The mission of Chivaho Federal Credit Union is to provide opportunities to build member wealth and security through affordable financial services, creating a stronger community.

 About Us Video

Membership Information

Chivaho Federal Credit Union                                                                                     
Reliably Serving Members Since 1948

Welcome to Chivaho Federal Credit Union.

Chivaho is a non-profit organization owned and operated by its members. The birth of the Credit Union began with seven members contributing $5.00 each and having a common vision to bring cooperative financial services to the citizens of the area.

We are proud to have served the employees and family members of the local VA Medical Center; and are excited to bring our exceptional member service and product line-up to all of Ross County.

As a member of Chivaho FCU, you will never feel like just an account number. I personally invite you to call or stop by and learn how you can become part of our credit union family.

~ Laura A Roberts, CEO

 Our Field of Membership will be limited to the following:

  • Persons, who live, work, worship, or attend school in, Ross County, Ohio
  • Our member’s immediate families
  • Organizations of current members
  • Any businesses and other legal entities located in Ross County, Ohio
  • Spouses of persons who died while within the field of membership of this Credit Union
  • Persons retired as pensioners or annuitants from the above employment

***** Immediate family member or household. As it relates to eligibility to join a Credit Union, immediate family member is defined as a spouse, child, sibling, parent, grandparent, or grandchild if not living in the same residence. Household is defined as persons living in the same residence and who maintain a single economic unit. Included in this definition would be any person who is a permanent member of or participates in the maintenance of the household. Once an immediate family or household member joins, then that person's immediate family would have eligibility and could also join.



Board of Directors Information

  Members meeting the eligibility requirements and interested in being nominated for a board of director position please complete the nomination forms.  Completed forms may returned by email to lroberts@chivaho.com or mail to 190 N Bridge ST, Chillicothe, OH 45601. 

A seven-member volunteer board of directors elected by credit union members governs Chivaho Federal Credit Union.   The Board of Directors are always looking for credit union members who may be interested in serving on the Board, Supervisory  and Scholarship Committees.  Please contact us for more information.  


  • Be a primary member in good standing of Chivaho Federal Credit Union
  • Be at least 18 years of age
  • Have never been convicted of a crime involving dishonesty or breach of trust
  • Not be serving as a paid member of the credit union staff

  Meeting Requirements: 

Attendance is required at regular board meetings, normally held on the fourth Thursday at 4:30 pm of each month. The meetings are held at the main office located at 190 N. Bridge St, Chillicothe, Ohio.  Typically these meeting last approximately 90 minutes.  In addition, attendance is required at an annual strategic planning meeting , usually held in November of each year.  Board members may be assigned to various committees as needed.  Board members also represent Chivaho FCU at designated events.  


Federal law provides that directors are not authorized to receive compensation for their services.  Expenses associated with participation in regular board and committee meetings, to include travel expenses to attend regular meeting activities, are  not reimbursed.  



Routing Transit Number

Routing Transit Number: 244274744

Routing Transit Number (RTN) is a nine digit number used to identify a financial institution in a transaction. Most common types of transaction being direct deposit, automatic payments and wire transfers.

A Routing Transit Number (RTN) can also be found on the bottom of negotiable instruments, such as checks, identifying the financial institution on which it was drawn.