What are the current interest rates at West Virginia Federal Credit Union?

Current rates for West Virginia Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.20%, 24-Month CD: 3.20%, 60-Month CD: 2.50%, Savings: 1.50%, MMA: 1.50%

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West Virginia Federal Credit Union

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West Virginia Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, West Virginia Federal 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: October 13, 2026

West Virginia Federal Credit Union's top rates as of October 13, 2026 are 3.60% APY on its CDs - 11 Month Special CD, 1.50% APY on savings, 1.50% APY on money market accounts, 1.00% APY on checking, 5.49% on its Adjustable Rate Mortgages (ARM) - 5/1 ARM, and rv, boat and powersport loans from 7.57% APR, according to rates verified by MonitorBankRates. Other West Virginia Federal Credit Union CD rates include CDs - 12 month at 3.50%, Traditional/Roth IRA CD - 12 month at 3.50%, and CDs - 5 Month Special at 3.40%. MonitorBankRates evaluates the financial stability of West Virginia Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.10%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

West Virginia Federal Credit Union
WVFCU

318 5th Ave
South Charleston, WV 25303-1240

https://www.wvfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

West Virginia Federal Credit Union CD Rates

Product	Rate	APY	Term
Certificates - 11 Month Special	3.54%	3.60%	11 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 12 month	3.44%	3.50%	12 months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 12 month	3.44%	3.50%	12 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 5 Month Special	3.36%	3.40%	5 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 3 Month	3.26%	3.30%	3 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 6 month	3.27%	3.30%	6 Months
Min Deposit $1,000 Details Dividends pay at maturity for 6 Month Certificate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 18 month	3.15%	3.20%	18 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 24 month	3.15%	3.20%	24 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 24 month	3.15%	3.20%	24 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 30 Month	2.95%	3.00%	30 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 36 Month	2.95%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 36 month	2.95%	3.00%	36 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 48 Month	2.47%	2.50%	48 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Certificates - 60 Month	2.47%	2.50%	60 Month
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 48 month	2.47%	2.50%	48 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/Roth IRA Certificate - 60 month	2.47%	2.50%	60 Months
Min Deposit $1,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Savings	1.50%	1.50%
Min Deposit $15 Min Balance $15 Details Share Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/ Roth IRA Savings	1.25%	1.25%
Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Regular Savings	0.50%	0.50%
Min Deposit $1 Min Balance $100 Details Share Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Traditional/ Roth IRA Savings	0.50%	0.50%
Min Balance $100 Details Balance: $100 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.50%	0.50%
Min Deposit $1 Min Balance $100 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.50%	1.50%
Min Balance $50,000 Details Tier 5; Balance: $50,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Accounts	1.25%	1.25%
Min Balance $25,000 Details Tier 4; Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Accounts	1.00%	1.00%
Min Balance $10,000 Details Tier 3; Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Accounts	0.50%	0.50%
Min Balance $5,000 Details Tier 2; Balance: $5,000 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.50%	1.50%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Money Market	1.25%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Money Market	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Money Market	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Checking Rates

Product	Rate	APY
Gold Checking	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Gold Checking	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000 to $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Adjustable Rate Mortgages (ARM) - 5/1 ARM	5.49%	-	5.55%
Details Adjustable Rate Mortgage; Interest Rate (As Low As) 5.49%; initial rate fixed for first 60 months, then adjusts annually; Maximum term 300 months; Homeowners insurance required Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.30% → 5.55% ▲ 0.25 pts · high 5.55% / low 5.30% Oct 13, 20265.55%▲ from 5.30% Sep 17, 20265.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 10 Year Fixed Rate (1st Lien)	5.24%	-	5.41%	10 years
Details As Low As; Fixed Rate Home Equity Loan, 1st Lien Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.10% → 5.41% ▲ 0.31 pts · high 5.41% / low 5.10% Oct 5, 20265.41%▲ from 5.10% Sep 17, 20265.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity 5 Year Fixed Rate (1st Lien)	5.24%	-	5.57%	5 years
Details As Low As; Fixed Rate Home Equity Loan, 1st Lien Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.20% → 5.57% ▲ 0.37 pts · high 5.57% / low 5.20% Oct 5, 20265.57%▲ from 5.20% Sep 17, 20265.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity 15 Year Fixed Rate (1st Lien)	5.49%	-	5.61%	15 years
Details As Low As; Fixed Rate Home Equity Loan, 1st Lien Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.11% → 5.61% ▲ 0.50 pts · high 5.61% / low 5.11% Oct 5, 20265.61%▲ from 5.11% Sep 17, 20265.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity 20 Year Fixed	5.74%	-	5.86%	20 years
Details As Low As; Fixed Rate Home Equity Loan Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.34% → 5.86% ▲ 0.52 pts · high 5.86% / low 5.34% Oct 5, 20265.86%▲ from 5.34% Sep 17, 20265.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity 5 Year Fixed Rate (2nd Lien)	5.99%	-	6.32%	5 years
Details As Low As; Fixed Rate Home Equity Loan, 2nd Lien Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 5.95% → 6.32% ▲ 0.37 pts · high 6.32% / low 5.95% Oct 5, 20266.32%▲ from 5.95% Sep 17, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity 10 Year Fixed Rate (2nd Lien)	6.24%	-	6.42%	10 years
Details As Low As; Fixed Rate Home Equity Loan, 2nd Lien Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.10% → 6.42% ▲ 0.32 pts · high 6.42% / low 6.10% Oct 5, 20266.42%▲ from 6.10% Sep 17, 20266.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity Credit Lines	6.75%	-	6.75%
Details As Low As; Balance: $50,000.00 and over; 5 yr draw, 5 yr renewal, 10 yr repayment = 20 yr term; Variable rate based on prime; Home Equity Lines of Credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity 15 Year Fixed Rate (2nd Lien)	6.74%	-	6.87%	15 years
Details As Low As; Fixed Rate Home Equity Loan, 2nd Lien Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 6.37% → 6.87% ▲ 0.50 pts · high 6.87% / low 6.37% Oct 5, 20266.87%▲ from 6.37% Sep 17, 20266.37%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity Credit Lines	7.00%	-	7.00%
Details As Low As; Balance: $25,000.00 - $49,999.99; 5 yr draw, 5 yr renewal, 10 yr repayment = 20 yr term; Variable rate based on prime; Home Equity Lines of Credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity Credit Lines	7.25%	-	7.25%
Details As Low As; Balance: $10,000.00 - $24,999.99; 5 yr draw, 5 yr renewal, 10 yr repayment = 20 yr term; Variable rate based on prime; Home Equity Lines of Credit Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto & Harley Davidson 2023 & Newer	4.49%	-	4.60%	38 Months
Details As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10% Oct 13, 20264.60%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Auto & Harley Davidson 2023 & Newer	4.99%	-	5.08%	50 Months
Details As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.58% → 5.08% ▲ 0.50 pts · high 5.08% / low 4.58% Oct 13, 20265.08%▲ from 4.58% Sep 14, 20264.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Auto & Harley Davidson 2023 & Newer	5.24%	-	5.31%	62 Months
Details As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.81% → 5.31% ▲ 0.50 pts · high 5.31% / low 4.81% Oct 13, 20265.31%▲ from 4.81% Sep 14, 20264.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Auto & Harley Davidson 2023 & Newer	5.49%	-	5.56%	66 Months
Details As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.06% → 5.56% ▲ 0.50 pts · high 5.56% / low 5.06% Oct 13, 20265.56%▲ from 5.06% Sep 14, 20265.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Auto & Harley Davidson 2023 & Newer	5.74%	-	5.80%	75 Months
Details As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.50% → 5.80% ▲ 0.30 pts · high 5.80% / low 5.50% Oct 13, 20265.80%▲ from 5.50% Sep 14, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Auto & Harley Davidson 2020-2022	5.99%	-	6.06%	Up to 60 Months
Details As Low As; % Financed: Up to 100%; Rates apply to used vehicles 2020-2022; 0.10% rate discount available with automatic payment deduction Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.56% → 6.06% ▲ 0.50 pts · high 6.06% / low 5.56% Oct 5, 20266.06%▲ from 5.56% Sep 14, 20265.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Auto & Harley Davidson	5.99%	-	6.08%	48 Months
Details Term: 48 Months 2018 to 2019; As Low As; Model Year: 2018 to 2019; % Financed: Up to 100% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Auto & Harley Davidson	5.99%	-	6.10%	36 Months
Details Term: 36 Months- 2017 & Older; As Low As; Model Year: 2017 & Older; % Financed: Up to 100% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New/Used Auto & Harley Davidson 2023 & Newer	6.74%	-	6.80%	84 Months
Details As Low As; Up to 100% financed; Rates quoted apply to new vehicles 2023 and newer; Personal accounts only; Loan must be greater than $30,000 for 84 month financing Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.80% / low 6.55% Oct 13, 20266.80%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicle - Boats - UTVs - 48 Months Loan	5.49%	5.58%	48 Month
Details As Low As; Tier: $0-100,000; % Financed: Up to 100%; Effective Date: March 18, 2026; Rates for personal accounts only; 0.10% discount with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.58% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle - Boats - UTVs - 60 Months Loan	5.99%	6.06%	60 Months
Details As Low As; Tier: $0-100,000; % Financed: Up to 100%; Effective Date: March 18, 2026; Rates for personal accounts only; 0.10% discount with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.06% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle - Boats - UTVs Loan	5.99%	6.11%	36 Months
Details As Low As; Loan Amount: $0-$100,000; % Financed: Up to 100% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.11% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle - Boats - UTVs - 72 Months Loan	6.24%	6.30%	72 Months
Details As Low As; Tier: $0-100,000; % Financed: Up to 100%; Effective Date: March 18, 2026; Rates for personal accounts only; 0.10% discount with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle - Boats - UTVs Loan	6.49%	6.58%	48 Months
Details As Low As; Loan Amount: $0-$100,000; % Financed: Up to 100% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.58% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle - Boats - UTVs - 84 Months Loan	6.74%	6.79%	84 Months
Details As Low As; Tier: $30,000 to $100,000 excluding UTV; % Financed: Up to 100%; Effective Date: March 18, 2026; Rates for personal accounts only; 0.10% discount with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle - Boats - UTVs - 120 Months Loan	6.99%	7.03%	120 Months
Details As Low As; Tier: $30,000 to $100,000 excluding UTV; % Financed: Up to 100%; Effective Date: March 18, 2026; Rates for personal accounts only; 0.10% discount with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.03% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle - Boats - UTVs Loan	6.99%	7.06%	60 Months
Details As Low As; Loan Amount: $30,000 to $100,000; % Financed: Up to 100% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.06% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Motorcycle, Personal Watercraft & 4 Wheelers Loan	7.49%	7.57%	Max Term 60 Months
Details As Low As; % Financed: Up to 100%; 0.10% rate discount available with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle - Boats - UTVs Loan	7.99%	8.05%	72 Months
Details As Low As; Loan Amount: $30,000 to $100,000; % Financed: Up to 100% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Motorcycle, Personal Watercraft & 4 Wheelers Loan	8.49%	8.58%	Max Term 48 Months
Details As Low As; Up to 100% financed; Rate discount of 0.10% available with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.58% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Personal Loan Rates

Product	APR	Term
New Motorcycle, Personal Watercraft & 4 Wheelers Loan	7.57%	Max Term 60 Months
Details As Low As; % Financed: Up to 100%; 0.10% rate discount available with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Motorcycle, Personal Watercraft & 4 Wheelers Loan	8.58%	Max Term 48 Months
Details As Low As; Up to 100% financed; Rate discount of 0.10% available with automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.58% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Personal Unsecured - 36 Months Loan	12.34%	36 Months
Details As Low As; Effective Date: Wednesday, March 18, 2026; A 0.10% rate discount is available with an automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Personal Unsecured - 48 Months Loan	13.26%	48 Months
Details As Low As; Effective Date: Wednesday, March 18, 2026; A 0.10% rate discount is available with an automatic payment deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.26% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

West Virginia Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Vacation Loan	4.99%	-	6.90%	12-month
Details As Low As; Promotional period March 1, 2025 - August 31, 2025; $1,000 Minimum & $2,500 Maximum loan amount; $25 processing fee; first payment due 30 days from disbursement; interest rates range from 4.99% -10.99% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%

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

West Virginia Federal Credit Union’s Texas Ratio rose from 1.30% in Q3 2023 to 2.10% in Q2 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$142M	2.10%	5.0	A+
March 31, 2026	$143M	1.74%	5.0	A+
December 31, 2025	$139M	2.76%	5.0	A+
September 30, 2025	$132M	2.47%	5.0	A+
June 30, 2025	$132M	2.16%	5.0	A+
March 31, 2025	$129M	1.05%	5.0	A+
December 31, 2024	$125M	1.51%	5.0	A+
September 30, 2024	$125M	0.74%	5.0	A+
June 30, 2024	$125M	1.59%	5.0	A+
March 31, 2024	$125M	0.49%	5.0	A+
December 31, 2023	$126M	1.24%	5.0	A+
September 30, 2023	$127M	1.30%	5.0	A+

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 West Virginia 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 West Virginia 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 West Virginia Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name West Virginia Federal Credit Union

Website https://www.wvfcu.org

Address 318 5th Ave, South Charleston, WV 25303-1240

Phone 304-744-7604

Fax 304-744-1993

President Greg Cox

CEO Nicholas Arvon

Full-Time Employees 21

Part-Time Employees 7

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.10%

Return on Assets (ROA)

0.6977%

Return on Equity (ROE)

3.7669%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

141,577,876

Total Amount of Shares and Deposits

114,195,646

Total Shares and Deposits < 1 Year

112,699,481

Total Shares and Deposits 1 3 Years

1,207,886

Total Shares and Deposits > 3 Years

288,279

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

3,736,763

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

3,736,763

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

110,458,883

Total Interest Expense (Sum of items 6 8)

695,858

Share Certificates

524

Number of Accounts for Share Drafts

4,379

IRA KEOGH Accounts

309

Number of Accounts for Regular Shares

10,015

All other shares

177

Money Market Shares

461

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

987,726

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)

4,322,939

Total Liabilities

115,589,984

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

West Virginia Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About West Virginia Federal Credit Union

How many branches does West Virginia Federal Credit Union operate?

West Virginia 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 West Virginia Federal Credit Union?

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

Does West Virginia Federal Credit Union offer online and mobile banking?

Most modern institutions like West Virginia 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.wvfcu.org.

Current West Virginia Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.20%
24-Month CD3.20%
60-Month CD2.50%
Savings1.50%
MMA1.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

West Virginia Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

West Virginia Federal Credit Union Texas Ratio

West Virginia Federal Credit Union Health Trend

West Virginia Federal Credit Union CD Rates

West Virginia Federal Credit Union Savings Rates

West Virginia Federal Credit Union Business Savings Rates

West Virginia Federal Credit Union Money Market Rates

West Virginia Federal Credit Union Business Money Market Rates

West Virginia Federal Credit Union Checking Rates

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West Virginia Federal Credit Union Home Equity & HELOC

West Virginia Federal Credit Union Auto Loan Rates

West Virginia Federal Credit Union RV, Boat and Powersport Loan Rates

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West Virginia Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

West Virginia Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About West Virginia Federal Credit Union

How many branches does West Virginia Federal Credit Union operate?

Is a member application needed to join West Virginia Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does West Virginia Federal Credit Union offer online and mobile banking?

Current West Virginia Federal Credit Union Rates

Compare to Other Credit Unions