Save. Plan. Retire.

Chelsea Employees Federal Credit Union

Credit unions are non-for-profit financial cooperatives owned by their members. They offer an array of banking products and services such as loans, savings accounts and credit cards that benefit everyone involved.

Account Specialists strive to deliver an excellent member experience while adhering to the GREAT service standards. They process teller activity accurately and review checks for appropriate endorsement, cash back and funds availability.

Vision Values & Mission

Chelsea Employees Federal Credit Union was originally created in 1935 as a way for city employees to pool savings and lend to one another. Since then, membership has expanded to encompass people who live, work, worship or attend school in Talladega Coosa Clay Shelby St Clair counties.

Responsible and Trustworthy: Accurately performs all assigned duties in compliance with GREAT service standards. Accurately processes teller transactions such as receiving checking/saving deposits, verifying checks for cashing, holding notices and answering member inquires.

Chelsea Groton strongly believes in investing her time, energy, and money back into local communities to make them stronger; because strong individuals, families, businesses, and organizations all mutually benefit each other.

Routing Number & Locations

Chelsea Employees Federal Credit Union is a financial services provider offering an array of banking products and solutions, such as checking, savings accounts, loans and credit cards for individuals as well as online and mobile banking services.

Chelsea EFCU’s routing number is 211381958 and can be found on any check. It can be used for wire transfers, direct deposit transactions, and other bank-related processes.

PenFed Credit Union competes with PenFed Bank, Simmons Bank and Veridian Credit Union for membership and funding rounds, boasting 19 fundraising rounds from 3 investors with its headquarters located in Chelsea Massachusetts; additional branches and ATM locations across the nation through CO-OP Allpoint CULIANCE networks can also be found throughout its service areas.


Chelsea Bank provides members with comprehensive banking solutions to assist with managing their finances. Members have access to checking, savings and investment accounts as well as convenient online/mobile banking tools.

Credit union members can prevent debit card fraud by monitoring their account with CardValet, an app which gives users control over when and where their cards are used. Available free on both Apple and Google devices.

Established in 1935, Chelsea Employees Federal Credit Union operates as a financial cooperative offering loans, investments, savings accounts, credit and debit cards to communities within Massachusetts.


Chelsea Employees Federal Credit Union is a not-for-profit financial institution offering banking essentials, lending solutions and credit cards at competitive rates. Checking and savings accounts offer competitive interest rates while loan products feature flexible terms.

Credit union members also can take advantage of CardValet, a free app designed to reduce card fraud by giving them control over how, when, and where their debit cards are used. Compatible with iPhone and Android devices.

PenFed, Simmons Bank, Veridian Credit Union and Citadel are some of its competitors; with 4,109 competitors overall. Three have received funding while 32 have already left.

Loans & Credit Cards

The Credit Union offers an array of lending solutions at among the lowest loan rates in the area. In addition, they provide checking and savings accounts as well as mobile and online banking services for their members.

Credit union members can take advantage of CardValet app from our credit union to help reduce account fraud by giving them control of how, when and where their debit cards are used. You can download it either on Apple App Store or Google Play.

Chelsea Employees Federal Credit Union competes with PenFed, Simmons Bank, Veridian Credit Union Citadel and Georgia United Credit Union; raising over $132M across 19 funding rounds.

Retirement Planning & Investments

Credit unions provide smart solutions that support your financial journey – from saving for a home, consolidating debt or planning retirement – by offering checking and savings accounts, loans, fee-free ATMs, online/mobile banking as well as financial wellness resources and education resources.

Individual Retirement Accounts (IRA) offer tax-favored savings accounts for retirement savings. Teachers, administrators and public-school employees can also take advantage of 403(b) plans.

Chelsea Employees Federal Credit Union and LPL Financial have joined forces to offer members access to comprehensive investment services. For more information about this partnership, contact Russ Dawson of LPL Financial’s DeWitt branch (you may wish to check his background with FINRA BrokerCheck before contacting him directly).






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