Credit union · NCUA insured
CAPE Federal Credit Union
A $15.7M credit union headquartered in Clarksburg, WV, with 1,165 members and 1 branch in West Virginia. Best rates: CDs 2.17% and savings 0.15% APY.
CAPE Federal Credit Union Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#7 of 10 in Clarksburg, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CAPE Federal Credit Union
Chartered in 1947 as Clarksburg Area Postal Employees Federal Credit Union, CAPE Federal Credit Union is headquartered in Clarksburg, West Virginia, and serves Harrison County.
- Headquarters
- 323 E Pike St, Clarksburg, WV 26301
- NCUA charter
- 24841
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Harrison County, West Virginia are eligible to join.
Employers and groups
- Organizations of persons within the field of membership are eligible to join.
- Employees of approved Select Employee Groups (SEGs) are eligible to join.
Military, government and schools
- Employees of the Credit Union are eligible to join.
Family and household
- Members of immediate families or households of eligible persons are eligible to join.
- Spouses of persons who died while within the field of membership of the Credit Union are eligible to join.
Cost to join
- A minimum opening deposit of $10.00 into a Primary Savings Account is required.
- A one-time membership fee of $1.00 is required.
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Main OfficeMain office323 E Pike St, Clarksburg, WV 26301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Adequately capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 6.05% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.58% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -4.10% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio6.05%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.58%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-4.10%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CAPE Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.