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.

2025 Office Hours Change

New Office Hours (effective August 28, 2025)
Monday – Thursday: 7:30 a.m. – 4:30 p.m. 
Every other Friday: 7:30 a.m. – 4 p.m.

Closed Fridays in 2025
August 29
September 12
September 26
October 10
October 24
November 7
November 21
December 5
December 19

2025 Holidays & Trainings
Wed., Jan. 01 – New Year’s Day
Mon., Jan. 20 – Martin Luther King Jr. Day
Mon., Feb. 17 – Presidents’ Day
Thu., May 08 – Training Day
Mon., May 26 – Memorial Day
Fri., Jul. 04 – Independence Day
Mon., Sept. 01 – Labor Day
Thu., Nov. 27- Fri., Nov. 28 – Thanksgiving
Thu., Dec. 11 – Training Day
Wed., Dec. 24 - Thu., Dec. 25 – Christmas
Thu., Jan. 01, 2026 – New Year’s Day
 

2026 Holidays & Trainings
Thu., Jan. 01, 2026 – New Year’s Day
Mon., Jan. 19 – Martin Luther King Jr. Day
Mon., Feb. 16 – Presidents’ Day
Fri., May 15 – All Employee Training Day
Mon., May 25 – Memorial Day (Observed)
Mon., Jul. 06 – Independence Day (Observed)
Mon., Sept. 07 – Labor Day
Thu., Nov. 26- Fri., Nov. 27 – Thanksgiving
Thu., Dec. 10 – All Employee Training Day
Thu., Dec. 24 - Fri., Dec. 25 – Christmas
Mon., Jan. 04, 2027 – New Year’s Day (Observed)

2026 Closed Fridays
January 2, 16, and 30, 2026
February 13 and 27, 2026
March 13 and 27, 2026
April 10 and 24, 2026
May 8 and 22, 2026
June 5 and 19, 2026
July 3, 17, and 31, 2026
August 14 and 28, 2026
September 11 and 25, 2026
October 9 and 23, 2026
November 6 and 20, 2026
December 4 and 18, 2026

Auburn Office

3097 Locke Lane, Crestview, FL 32536

Monday – Thursday
7:30 a.m. – 11:30 a.m.
12:00 p.m. – 4:00 p.m.
Every other Friday
7:30 a.m. – 11:30 a.m.
12:00 p.m. – 4:00 p.m.

 

Baker Office

1351 Georgia Avenue, Baker, FL 32531

Monday – Thursday
7:30 a.m. – 11:00 a.m.
11:30 a.m. – 4:30 p.m.
Every other Friday
7:30 a.m. – 11:00 a.m.
11:30 a.m. – 4:00 p.m.

Bluewater Bay Office

1401 Cat-Mar Road, Niceville, FL 32578

Monday – Thursday
7:30 a.m. – 12:00 p.m.
12:30 p.m. – 4:30 p.m.
Every other Friday
7:30 a.m. – 12:00 p.m.
12:30 p.m. – 4:00 p.m.

 

DeFuniak Springs Headquarters

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

Monday – Thursday
7:30 a.m. – 4:30 p.m.
Every other Friday
7:30 a.m. – 4:00 p.m.

Freeport Office

112 Highway 20 West, Freeport, FL, 32439

Monday – Thursday
7:30 a.m. – 1:00 p.m.
1:30 p.m. – 4:30 p.m.
Every other Friday
7:30 a.m. – 1:00 p.m.
1:30 p.m. – 4:00 p.m.

Santa Rosa Beach Office

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

Monday – Thursday
7:30 a.m. – 1:30 p.m.
2:00 p.m. – 4:30 p.m.
Every other Friday
7:30 a.m. – 1:30 p.m.
2:00 p.m. – 4:00 p.m.