Credit union · NCUA insured
Members Choice WV FCU
A $93.1M credit union headquartered in Charleston, WV, with 5,991 members and 1 branch in West Virginia. Best rates: CDs 3.55% and savings 0.40% APY.
Members Choice WV FCU Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#10 of 15 in Charleston, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Choice WV FCU
- Headquarters
- 201 Ohio Ave, Charleston, WV 25302-2209
- NCUA charter
- 4969
Branches
1 branch in West Virginia
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West Virginia
1 branch
- Members Choice WV FCUMain office201 Ohio Ave, Charleston, WV 25302Directions
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 | 21.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.75% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio21.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$61Peers’ 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 Members Choice WV FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.