MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. Marion County School Employees Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Marion County School Employees Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| 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 14, 2026

Marion County School Employees Federal Credit Union's Personal Loan Rates are as low as 9.00%. MonitorBankRates evaluates the financial stability of Marion County School Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.74%. Rates last updated and verified on 09/14/2026.

Marion County School 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 Marion County School Employees Federal Credit Union? Share your experience about Marion County School Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Marion County School 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+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.74%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Marion County School Employees Federal Credit Union
Main Office
1512 Mary Lou Retton Dr
Fairmont, WV 26554
https://schoolcu.virtualcu.net/
Member NCUA

Marion County School Employees Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.05% 0.05%
Details Rates are determined by the Board of Directors at the end of each quarter. The listed rate is the rate posted last quarter and is not a guarantee of the rate to be posted at the end of the current quarter. Dividends are posted March 31, June 30, September 30, December 31. RATES EFFECTIVE 04/01/2025
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%

Marion County School Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Car Loans 4.50% - 4.50% 84 months
Details 2023 - current
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
Used Car Loans 6.00% - 6.00% 84 months
Details 2022 and below
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
Reconstructed Vehicle Titles 6.50% - 6.50% 72 months
Details Can only finance 80% of JD Power book value
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
Used Car Loans, OLDER than 10 years 6.50% - 6.50% 48 months
Details Can only finance 80% of JD Power book value
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%

Marion County School Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loans 6.50% 6.50% 84 months
Details UTV's/ Motorcycle/ Campers / Boats
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%

Marion County School Employees Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 9.00% 48 months
Details Maximum unsecured loan $7,000
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%

Marion County School Employees Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Payday Alternative Loans 24.00% - 24.00% 6 months
Details No credit check; No Loan origination fee; $20.00 Loan application fee; Please contact us for more information
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
Budget 0.05% - 0.05%
Details Rates are determined by the Board of Directors at the end of each quarter. The listed rate is the rate posted last quarter and is not a guarantee of the rate to be posted at the end of the current quarter. Dividends are posted March 31, June 30, September 30, December 31. RATES EFFECTIVE 04/01/2025
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
Regular Shares 0.05% - 0.05%
Details Rates are determined by the Board of Directors at the end of each quarter. The listed rate is the rate posted last quarter and is not a guarantee of the rate to be posted at the end of the current quarter. Dividends are posted March 31, June 30, September 30, December 31. RATES EFFECTIVE 04/01/2025
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
Summer Pay 0.05% - 0.05%
Details Rates are determined by the Board of Directors at the end of each quarter. The listed rate is the rate posted last quarter and is not a guarantee of the rate to be posted at the end of the current quarter. Dividends are posted March 31, June 30, September 30, December 31. RATES EFFECTIVE 04/01/2025
Last Updated 09/14/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.74%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Marion County School Employees Federal Credit Union’s Texas Ratio rose from 0.04% in Q2 2023 to 0.74% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.6% 2.0★ 1.1% 3.0★ 1.7% 4.0★ 2.2% 5.0★ Healthy zone – entire history below the 15% limit 0.04% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.74% 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 Grade
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$10M0.74%5.0A+
December 31, 2025$9M0.31%5.0A+
September 30, 2025$9M0.77%5.0A+
June 30, 2025$10M0.63%5.0A+
March 31, 2025$9M0.68%5.0A+
December 31, 2024$9M1.25%5.0A+
September 30, 2024$9M1.66%5.0A+
June 30, 2024$9M0.26%5.0A+
March 31, 2024$9M0.50%5.0A+
December 31, 2023$9M0.26%5.0A+
September 30, 2023$9M0.27%5.0A+
June 30, 2023$10M0.04%5.0A+
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 Marion County School 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 Marion County School 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 Marion County School Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Marion County School Employees Federal Credit Union
Website https://schoolcu.virtualcu.net/
Address 1512 Mary Lou Retton Dr, Fairmont, WV 26554
Phone 304-366-2390
Fax 304-366-2465
President Cathie Matheny
CEO Tonya Wilfong
Full-Time Employees 3
Part-Time Employees 1
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+ (100/100)
Texas Ratio
0.74%
Return on Assets (ROA)
0.3108%
Return on Equity (ROE)
1.4852%
Non-Performing Loans Ratio (NPL)
0.52%
Total Assets
9,709,442
Total Amount of Shares and Deposits
7,613,713
Total Shares and Deposits < 1 Year
7,613,712
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
132,739
Total Uninsured Shares and Deposits > $250K (F+J)
132,739
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,480,974
Total Interest Expense (Sum of items 6 8)
5,439
Share Certificates
38
Number of Accounts for Share Drafts
268
Number of Accounts for Regular Shares
1,009
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)
799,559
Total Liabilities
7,677,799
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Marion County School 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/marion-county-school-employees-federal-credit-union-rates-review-22428">
  <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">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Marion County School Employees Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Marion County School Employees Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Marion County School Employees Federal Credit Union

How many branches does Marion County School Employees Federal Credit Union operate?

Marion County School 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 Marion County School Employees Federal Credit Union?

Yes, to access services at Marion County School 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, Marion County School 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, Marion County School Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Marion County School Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Marion County School 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://schoolcu.virtualcu.net/.

Compare to Other Credit Unions

Downey Federal Credit Union Houston Highway Credit Union OKLAHOMAS Community Focus Federal Credit Union Eastex Credit Union Southern Credit Union NEW JERSEY STATE PBA Arapahoe Credit Union R-G Federal Credit Union Rimrock Credit Union Chicago Avenue Garage Federal Credit Union Delaware River and Bay Authority Employees Federal Credit Union Alta Vista Credit Union California Community Credit Union TruPartner Credit Union AKRON Total Choice Federal Credit Union MOPAC Employees Federal Credit Union Cornerstone Financial Credit Union Superior Credit Union Logan Medical Federal Credit Union