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The State Credit Union

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The State Credit Union Rates & Review August 2026

Q: How many branches does The State Credit Union operate?

The State 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.

Q: Is a member application needed to join The State Credit Union?

Yes, to access services at The State 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.

Q: Is there a first-time homebuyer program?

Currently, The State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

The State Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not The State Credit Union, and you can see how they compare in the The State Credit Union rate tables below. MonitorBankRates evaluates the financial stability of The State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.54%. Database rates last updated and verified on 08/29/2026.

The State 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 The State Credit Union? Share your experience about The State Credit Union by leaving a review below, or read customer reviews before you decide to use The State Credit Union.

Exceptional Health 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

0.54%

Excellent Lower than avg

The State Credit Union
2200 WASHINGTON STREET E

2200 WASHINGTON ST E
CHARLESTON, WV 25311 2219

https://www.wvpecu.org

Current Rate Availability

We're not currently displaying rates for The State Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for The State 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 The State 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 The State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The State Credit Union

Website https://www.wvpecu.org

Address 2200 WASHINGTON ST E, CHARLESTON, WV 25311 2219

Phone 304-558-0566

Fax 304-558-0137

President CHARLES MCDANIEL

CEO BRENT GRAY

Full-Time Employees 15

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

0.54%

Return on Assets (ROA)

1.2102%

Return on Equity (ROE)

6.4067%

Non-Performing Loans Ratio (NPL)

0.18%

Total Assets

91,331,263

Total Amount of Shares and Deposits

73,261,634

Total Shares and Deposits < 1 Year

71,856,169

Total Shares and Deposits 1 3 Years

1,405,465

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,494,761

Total Uninsured Shares and Deposits > $250K (F+J)

1,494,761

Total Insured Shares and Deposits > $250K (item 17 less item K)

71,766,873

Total Interest Expense (Sum of items 6 8)

639,626

Share Certificates

532

Number of Accounts for Share Drafts

3,589

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,170

All other shares

765

Net Income (unless the amount is already included in Undivided Earnings)

1,105,295

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)

5,757,923

Total Liabilities

73,785,402

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

The State Credit Union earned the Exceptional Health 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About The State Credit Union

How many branches does The State Credit Union operate?

The State 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 The State Credit Union?

Yes, to access services at The State 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, The State 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, The State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does The State Credit Union offer online and mobile banking?

Most modern institutions like The State 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.wvpecu.org.