Credit union · NCUA insured
Eastern Panhandle Federal Credit Union
A $18.5M credit union headquartered in Martinsburg, WV, with 2,728 members and 1 branch in West Virginia. Best rates: savings 0.01% APY.
Eastern Panhandle Federal Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#6 of 21 in Hagerstown, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Eastern Panhandle Federal Credit Union
Eastern Panhandle Federal Credit Union was originally chartered in January 1970 as Eastern Auto Workers Federal Credit Union to serve General Motors parts and distribution facility workers and families in Martinsburg.
On May 25, 2000, the member-owned credit union converted to a community charter serving the Eastern Panhandle of West Virginia.
The credit union is headquartered in Martinsburg, West Virginia.
- Headquarters
- 36 GM Access Rd, Martinsburg, WV 25403
- NCUA charter
- 19890
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Berkeley, Jefferson, and Morgan Counties of West Virginia are eligible for membership.
Other ways
- Businesses and legal entities are eligible for membership.
Cost to join
- A deposit of $5.00 (one share) in a Membership Share Savings Account is required and must be maintained at all times.
- A one-time membership fee of $1 is required to join.
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Main OfficeMain office36 GM Access Rd, Martinsburg, WV 25403Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.18% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.35% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio12.18%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.35%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ 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 Eastern Panhandle 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.