Credit union · NCUA insured
West Virginia Federal Credit Union
A $143M credit union headquartered in South Charleston, WV, with 7,168 members and 2 branches in West Virginia. Best rates: CDs 3.60% and savings 1.00% APY.
West Virginia Federal Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#9 of 15 in Charleston, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About West Virginia Federal Credit Union
West Virginia Federal Credit Union was chartered in October 1965 under the name Tech Center Employees' Federal Credit Union.
The credit union was organized to provide credit union services to employees working at the Union Carbide Tech Center location in South Charleston, West Virginia.
- Headquarters
- 318 5th Ave, South Charleston, WV 25303-1240
- NCUA charter
- 17057
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to the community field of membership in Cabell County, WV.
- Membership is open to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Kanawha and Putnam Counties, WV.
- Membership is open to the community field of membership in Wayne, Lincoln, and Boone Counties, WV.
Other ways
- Membership is open to volunteers in the communities served.
Branches
2 branches in West Virginia
Loading map…
West Virginia
2 branches
- WvfcuMain office318 5th Ave, South Charleston, WV 25303Directions
- Wvfcu2355 Maccorkle Ave, St. Albans, WV 25177Directions
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 | 18.52% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.74% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.41% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio18.52%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.74%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 West Virginia 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.