Credit union · NCUA insured
WVU Credit Union
Top CarrotA $66.7M credit union headquartered in Morgantown, WV, with 6,034 members and 1 branch in West Virginia. Best rates: CDs 3.30% and savings 0.65% APY.
WVU Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#2 of 9 in Morgantown, WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WVU Credit Union
Chartered in 1961 and headquartered in Morgantown, West Virginia, WVU Employees Federal Credit Union is owned entirely by its members.
The credit union provides financial services to employees, students, and affiliated organizations of West Virginia University.
- Headquarters
- 448 Harding Ave, Morgantown, WV 26505
- NCUA charter
- 14611
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of the credit union.
Military, government and schools
- Membership is open to employees of West Virginia University and affiliated organizations.
- Membership is open to students of West Virginia University, WVU Potomac State College, WVU at Parkersburg, and WVU Institute of Technology.
Family and household
- Membership is open to members of the immediate family of eligible persons.
- Membership is open to spouses of persons who died within the field of membership of this credit union.
Other ways
- Membership is open to organizations of persons within the field of membership.
1 more way to join
Other ways
- Membership is open to persons retired within the field of membership.
Cost to join
- Membership requires an initial deposit of $5.00.
- Membership requires a one-time fee of $1.00.
Branches
1 branch in West Virginia
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West Virginia
1 branch
- WVU Employees' Federal Credit UnionMain office448 Harding Ave, Morgantown, WV 26505Directions
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 | 22.84% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.23% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.73% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio22.84%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.23%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.73%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 WVU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.