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iAdvertiser Disclosure
Advertiser Disclosure
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 Members Choice WV Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: April 17, 2026
Members Choice WV Federal Credit Union's 24 month IRA CDs 2 Year rates are at 4.01%, 6 Month CDs rates are at 3.55%, 12 month IRA CDs 1 Year rates are at 3.55%, 12 month 1 Year CDs rates are at 3.29%, IRA CDs 6 Month rates are at 3.29%. Members Choice WV Federal Credit Union's savings rates are at 0.30%. Members Choice WV Federal Credit Union's Personal Loan Rates are at 6.50%. MonitorBankRates evaluates the financial stability of Members Choice WV Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Rates were last updated on 04/17/2026. Members Choice WV 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 Members Choice WV Federal Credit Union? Share your experience about Members Choice WV Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Members Choice WV Federal Credit Union. Members Choice WV Federal Credit Union
Members Choice WV FCU 201 Ohio Ave
https://www.memberschoicewv.com Charleston, WV 25302 2209 
Members Choice WV Federal Credit Union CD Rates
Members Choice WV Federal Credit Union Savings Rates
Members Choice WV Federal Credit Union Auto Loan Rates
Members Choice WV Federal Credit Union Credit Card Rates
Members Choice WV Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members Choice WV 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 Members Choice WV 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 Members Choice WV Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members Choice WV Federal Credit Union
Website
https://www.memberschoicewv.com
Address
201 Ohio Ave,
Charleston, WV 25302 2209
Phone
304-346-5242
Fax
304-346-5262
President
Raymond Joseph
CEO
Stephanie Rippetoe
Full-Time Employees
14
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.17%
Return on Assets (ROA)
0.5315%
Return on Equity (ROE)
2.4260%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
89,947,198
Total Amount of Shares and Deposits
70,091,021
Total Shares and Deposits < 1 Year
67,794,594
Total Shares and Deposits 1 3 Years
2,296,426
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,779,419
Total Uninsured Shares and Deposits > $250K (F+J)
1,779,419
Total Insured Shares and Deposits > $250K (item 17 less item K)
68,311,602
Total Interest Expense (Sum of items 6 8)
724,997
Share Certificates
480
Number of Accounts for Share Drafts
3,442
IRA KEOGH Accounts
205
Number of Accounts for Regular Shares
5,999
All other shares
758
Net Income (unless the amount is already included in Undivided Earnings)
478,038
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,014,649
Total Liabilities
70,242,771
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Members Choice WV Federal Credit UnionIs Members Choice WV Federal Credit Union a safe place to deposit money?Yes, Members Choice WV Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1688425651758%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Members Choice WV Federal Credit Union operate?Members Choice WV 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 Members Choice WV Federal Credit Union?Yes, to access services at Members Choice WV 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, Members Choice WV 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, Members Choice WV Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Members Choice WV Federal Credit Union offer online and mobile banking?Most modern institutions like Members Choice WV 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.memberschoicewv.com. Current Members Choice WV Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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