CHELCO is headquartered in DeFuniak Springs and was established in 1941. We service most of Walton County and the northern portions of Okaloosa County, including Eglin Air Force Base, as well as western Holmes and eastern Santa Rosa Counties. We have six offices to serve your needs.
Telephone for all offices and services during business hours: (850) 892-2111.
NOTICE FOR NIGHT DEPOSITS: The night deposit box is checked at 7:30 a.m. A CHELCO Member Service Representative will process any payments placed in the night deposit box after 7:30 a.m. on the next business day.
Holiday Schedule
Wednesday, January 01 – New Year’s Day
Monday, January 20 – Martin Luther King, Jr. Day
Monday, February 17 – President’s Day
Monday, May 26 – Memorial Day
Friday, July 04 – Independence Day
Monday, September 01 – Labor Day
Thursday, November 27- Friday, November 28 – Thanksgiving
Thursday, December 25 - Friday, December 26 – Christmas
Thursday, January 01, 2026 – New Year’s Day