Credit union · NCUA insured
Universal Federal Credit Union
A $97.2M credit union headquartered in Huntington, WV, with 5,929 members and 3 branches in West Virginia. Best rates: CDs 3.56% and savings 0.05% APY.
Universal Federal Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#16 of 25 in Huntington, WV-KY-OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Universal Federal Credit Union
Chartered in 1935 by Huntington teachers to provide savings and loan options, Universal Federal Credit Union is a member-owned financial cooperative headquartered in Huntington, West Virginia.
While specializing in services for education professionals, it serves members across Cabell, Wayne, and Lawrence counties, as well as school employees in Mason and Lincoln counties.
- Headquarters
- 317 31st ST, Huntington, WV 25702-1417
- NCUA charter
- 785
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, goes to school, worships, volunteers, or belongs to an association in Cabell County or Wayne County in West Virginia, or Lawrence County in Ohio is eligible for membership.
Military, government and schools
- School employees in Mason and Lincoln Counties in West Virginia are eligible for membership.
Branches
3 branches in West Virginia
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West Virginia
3 branches
- Main OfficeMain office317 31st ST, Huntington, WV 25702Directions
- Mall Branch117 Mall RD, Barboursville, WV 25504Directions
- SMMC Branch2828 1st Ave ste 103, Huntington, WV 25702Directions
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 | 13.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.47% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $30 | $59 | — |
- CapitalNet worth ratio13.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.47%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$30Peers’ 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 Universal 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.