OFFICES & HOURSCHELCO 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.

Auburn Office

3097 Locke Lane, Crestview, FL 32536

Hours: 8:00-11:30AM, 12:00-4:00PM

 

Baker Office

1351 Georgia Avenue, Baker, FL 32531

Hours: 7:30-11:00AM, 11:30AM-4:00PM

 

Bluewater Bay Office

1401 Cat-Mar Road, Niceville, FL 32578

Hours: 7:30AM-12:00PM, 12:30-4:00PM

 

DeFuniak Springs Headquarters

655 U.S. Hwy. 331 N., DeFuniak Springs, FL 32433

Hours: 7:30AM-4:00PM

 

Freeport Office

112 Highway 20 West, Freeport, FL, 32439

Hours: 8:00AM-1:00PM, 1:30-4:00PM

Santa Rosa Beach Office

3906 Hwy. 98 W., Santa Rosa Beach, FL 32459

Hours: 7:30AM-1:30PM, 2:00-4:00PM

 

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