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Huntington C&O Railway Employees Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

Huntington C&O Railway Employees Federal Credit Union's Personal Loan Rates are at 6.50%. MonitorBankRates evaluates the financial stability of Huntington C&O Railway Employees Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.81%. Rates last updated and verified on 09/10/2026.

Huntington C&O Railway Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Huntington C&O Railway Employees Federal Credit Union? Share your experience about Huntington C&O Railway Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Huntington C&O Railway Employees Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.81%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Huntington C&O Railway Employees Federal Credit Union
Main Office
901 6th Ave
Huntington, WV 25701
https://www.c-ocreditunion.com/
Member NCUA

Huntington C&O Railway Employees Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
10 Year Fixed Rate - 1.00% 5.25%
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
15 Year Fixed Rate - 1.00% 5.75%
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
20 Year Fixed Rate - 1.00% 6.25%
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%

Huntington C&O Railway Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
2019-2020 Used Auto - - 4.75% Up to 48 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
2026 New Auto - - 4.75% Up to 48 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
2014-2018 Used Auto - - 5.75% Up to 36 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
2021-2023 Used Auto - - 5.75% Up to 60 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
2026 New Auto - - 5.75% Up to 60 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
2026 New Auto - - 5.99% Up to 72 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
2026 Used Auto - - 5.99% Up to 72 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%

Huntington C&O Railway Employees Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature/Unsecured Loan 6.50% Up to 12 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Signature/Unsecured Loan 7.25% Up to 24 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Signature/Unsecured Loan 7.75% Up to 36 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Signature/Unsecured Loan 8.75% Up to 48 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Signature/Unsecured Loan 10.25% Up to 60 Months
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Huntington C&O Railway Employees Federal Credit Union’s Texas Ratio fell from 34.17% in Q2 2023 to 13.81% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.4 to 5.0 and its Health Grade from D to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 10% 2.0★ 20% 3.0★ 29% 4.0★ 39% 5.0★ 15% Verified Healthy line 34.17% D Q2 2023 D Q3 2023 C+ Q4 2023 B Q1 2024 B- Q2 2024 B Q3 2024 B Q4 2024 B Q1 2025 B+ Q2 2025 B Q3 2025 B Q4 2025 13.81% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$31M13.81%5.0A
December 31, 2025$30M19.42%4.6B
September 30, 2025$30M21.20%4.5B
June 30, 2025$30M17.16%4.8B+
March 31, 2025$31M19.21%4.7B
December 31, 2024$31M20.40%4.6B
September 30, 2024$31M19.53%4.6B
June 30, 2024$33M22.20%4.4B-
March 31, 2024$33M21.86%4.4B
December 31, 2023$33M25.87%4.1C+
September 30, 2023$34M32.26%3.6D
June 30, 2023$35M34.17%3.4D
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Huntington C&O Railway Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Huntington C&O Railway Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Huntington C&O Railway Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Huntington C&O Railway Employees Federal Credit Union
Website https://www.c-ocreditunion.com/
Address 901 6th Ave, Huntington, WV 25701
Phone 304-522-7998
Fax 304-525-3768
President Jerry Chapman
CEO Brian Whitlock
Full-Time Employees 9
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.81%
Return on Assets (ROA)
0.1730%
Return on Equity (ROE)
1.1644%
Non-Performing Loans Ratio (NPL)
5.44%
Total Assets
31,276,842
Total Amount of Shares and Deposits
26,600,710
Total Shares and Deposits < 1 Year
25,216,981
Total Shares and Deposits 1 3 Years
1,383,729
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,600,710
Total Interest Expense (Sum of items 6 8)
12,447
Share Certificates
46
Number of Accounts for Share Drafts
958
IRA KEOGH Accounts
77
Number of Accounts for Regular Shares
4,524
All other shares
4
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,802,052
Total Liabilities
26,628,526
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Huntington C&O Railway Employees Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/huntington-c-and-o-railway-employees-federal-credit-union-rates-review-24236">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Customer Reviews

There are no reviews for Huntington C&O Railway Employees Federal Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Huntington C&O Railway Employees Federal Credit Union

How many branches does Huntington C&O Railway Employees Federal Credit Union operate?

Huntington C&O Railway Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Huntington C&O Railway Employees Federal Credit Union?

Yes, to access services at Huntington C&O Railway Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Huntington C&O Railway Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Huntington C&O Railway Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Huntington C&O Railway Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Huntington C&O Railway Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.c-ocreditunion.com/.

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