Credit union · NCUA insured
Mountain Heritage Federal Credit Union
A $47.3M credit union headquartered in Parkersburg, WV, with 8,873 members and 4 branches in West Virginia. Best rates: CDs 3.81% and savings 2.53% APY.
Mountain Heritage Federal Credit Union Carrot Score
68
Carrot Score
Higher than 22% of U.S. banks and credit unions
#14 of 21 in Hagerstown, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mountain Heritage Federal Credit Union
- Headquarters
- 1822 7th St, Parkersburg, WV 26101
- NCUA charter
- 12470
Branches
4 branches in West Virginia
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West Virginia
4 branches
Hagerstown area · 2
- MHFCU Kearneysville250 Murall Dr, Kearneysville, WV 25430Directions
- Martinsburg321 Aikens Ctr, Martinsburg, WV 25404Directions
Parkersburg area · 1
- Mountain Heritage FCUMain office1822 7th St, Parkersburg, WV 26101Directions
Beckley area · 1
- MHFCU Beckley Branch110 N Heber St, Beckley, WV 25801Directions
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 | 14.52% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.16% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $73 | $59 | — |
- CapitalNet worth ratio14.52%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.16%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$73Peers’ 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 Mountain Heritage 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.