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Eastern Panhandle Federal Credit Union

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Eastern Panhandle Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastern Panhandle 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 9, 2026

Eastern Panhandle Federal Credit Union's top rates as of October 9, 2026 are personal loans from 8.90% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Eastern Panhandle Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

0.75%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Eastern Panhandle Federal Credit Union
Main Office

36 GM Access Rd
Martinsburg, WV 25403

https://www.easternpanhandlefcu.com

Customer Reviews

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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.

Eastern Panhandle Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Accounts	0.025%	0.025%
Min Deposit $5 Details Dividend is declared at time of club maturity Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vacation Club Accounts	0.025%	0.025%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Regular Share Accounts	0.01%	0.01%
Min Balance $5 Details Balance: $5.00 - $2,500.00 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Regular Share Accounts	0.01%	0.01%
Min Balance $2,500 Details Balance: $2,500.01 - Max Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Eastern Panhandle Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Closed Fixed 80% LTV - 120 months	7.25%	-	7.25%	120 months
Details Credit Score: A / 700 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity Closed Fixed 80% LTV - 180 months	8.00%	-	8.00%	180 months
Details Credit Score: A / 700 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity Closed Fixed 80% LTV - 120 months	8.75%	-	8.75%	120 months
Details Credit Score: B / 660-699 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity Closed Fixed 80% LTV - 180 months	9.50%	-	9.50%	180 months
Details Credit Score: B / 660-699 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity Closed Fixed 80% LTV - 120 months	11.25%	-	11.25%	120 months
Details Credit Score: C / 630-659 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 11.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Home Equity Closed Fixed 80% LTV - 180 months	12.00%	-	12.00%	180 months
Details Credit Score: C / 630-659 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Eastern Panhandle Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle and Motorcycle Loan	3.24%	-	4.24%	12 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Vehicle and Motorcycle Loan	3.49%	-	4.49%	24 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Vehicle and Motorcycle Loan	3.74%	-	4.74%	36 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	3.74%	-	4.74%	12 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Vehicle and Motorcycle Loan	3.99%	-	4.99%	48 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	3.99%	-	4.99%	24 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Vehicle and Motorcycle Loan	4.24%	-	5.24%	60 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	4.24%	-	5.24%	36 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	4.49%	-	5.49%	48 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Vehicle and Motorcycle Loan	4.74%	-	5.74%	72 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	4.74%	-	5.74%	60 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
New Vehicle and Motorcycle Loan	5.24%	-	6.24%	84 Months
Details New Vehicle and Motorcycle (15,000 miles or less and one model year old can be included.) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	5.24%	-	6.24%	72 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Used Vehicle, Motorcycle Loan	5.74%	-	6.74%	84 Months
Details Used Vehicle, Motorcycle Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vehicles that are 10 years old/100,000 miles Loan	10.24%	-	11.24%
Details Vehicles that are 10 years old/100,000 miles .75% above normal used car rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vehicles 150,000 miles Loan	11.74%	-	12.74%
Details Vehicles 150,000 miles 1.25% above normal used car rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Eastern Panhandle Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	11.90%
Details Additional APR listed for this product: 12.9%. Maximum Amount: $10,000.00; Members may apply for a higher limit up to the amount of funds on deposit in a special card security account, not to exceed $50,000. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.90% → 11.90% ▼ 1.00 pts · high 12.90% / low 11.90% Sep 17, 202611.90%▼ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Visa Platinum Credit Card	-	15.90%
Details Maximum Amount: $5,000.00; Members may apply for a higher limit up to the amount of funds on deposit in a special card security account, not to exceed $50,000. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.90% → 15.90% ▲ 3.00 pts · high 15.90% / low 11.90% Sep 21, 202615.90%▲ from 11.90% Sep 17, 202611.90%▼ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Secured Visa Platinum Credit Card	-	16.90%
Details Maximum Amount: Sh Secured; Members may apply for a higher limit up to the amount of funds on deposit in a special card security account, not to exceed $50,000. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 16.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Visa Platinum Credit Card	-	16.90%
Details Maximum Amount: $1000.00; Members may apply for a higher limit up to the amount of funds on deposit in a special card security account, not to exceed $50,000. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 12.90% → 16.90% ▲ 4.00 pts · high 16.90% / low 11.90% Sep 21, 202616.90%▲ from 11.90% Sep 17, 202611.90%▼ from 12.90% Sep 14, 202612.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Eastern Panhandle Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	8.90%	60 Months
Details Maximum Amount: $10,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.90% → 8.90% ▼ 2.00 pts · high 10.90% / low 8.90% Sep 21, 20268.90%▼ from 10.90% Sep 14, 202610.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	10.90%	60 Months
Details Maximum Amount: $7,500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.40% → 10.90% ▼ 3.50 pts · high 14.40% / low 10.90% Sep 21, 202610.90%▼ from 14.40% Sep 14, 202614.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	14.40%	60 Months
Details Maximum Amount: $2,500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 14.40% ▼ 1.10 pts · high 15.50% / low 14.40% Sep 21, 202614.40%▼ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Signature Loan	15.50%	60 Months
Details Maximum Amount: $500.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Eastern Panhandle Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Christmas Loan	-	-	8.40%	12 Months
Details Maximum Amount: $2,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.40% → 8.40% ▼ 2.00 pts · high 10.40% / low 8.40% Sep 21, 20268.40%▼ from 10.40% Sep 14, 202610.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Christmas Loan	-	-	10.40%	12 Months
Details Maximum Amount: $1,500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.40% → 10.40% ▼ 4.00 pts · high 14.40% / low 10.40% Sep 21, 202610.40%▼ from 14.40% Sep 14, 202614.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Christmas Loan	-	-	14.40%	12 Months
Details Maximum Amount: $500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 14.40% ▼ 1.10 pts · high 15.50% / low 14.40% Sep 21, 202614.40%▼ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Christmas Loan	-	-	15.50%	12 Months
Details Maximum Amount: $250.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Single Payment Note Loan	-	-	10.50%	6 Months
Details Maximum Amount: $7,500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.50% → 10.50% ▼ 2.00 pts · high 12.50% / low 10.50% Sep 21, 202610.50%▼ from 12.50% Sep 14, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Single Payment Note Loan	-	-	12.50%	6 Months
Details Maximum Amount: $2,500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 12.50% ▼ 3.00 pts · high 15.50% / low 12.50% Sep 21, 202612.50%▼ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Single Payment Note Loan	-	-	15.50%	6 Months
Details Maximum Amount: $1,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 18.50% → 15.50% ▼ 3.00 pts · high 18.50% / low 15.50% Sep 21, 202615.50%▼ from 18.50% Sep 14, 202618.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Single Payment Note Loan	-	-	18.50%	6 Months
Details Maximum Amount: $500.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 120 months Loan	-	-	9.60%	120 months
Details Credit Score: A (700+) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 120 months Loan	-	-	11.10%	120 months
Details Credit Score: B (660-699) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 11.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 120 months Loan	-	-	13.60%	120 months
Details Credit Score: C (630-659) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 13.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 120 months Loan	-	-	16.60%	120 months
Details Credit Score: D (629 or less) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 16.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 180 months Loan	-	-	10.09%	180 months
Details Credit Score: A (700+) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 180 months Loan	-	-	11.60%	180 months
Details Credit Score: B (660-699) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 11.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 180 months Loan	-	-	14.10%	180 months
Details Credit Score: C (630-659) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 14.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Unimproved Land 80% LTV - 180 months Loan	-	-	17.10%	180 months
Details Credit Score: D (629 or less) Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 17.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vacation Loan	-	-	8.40%	12 Months
Details Maximum Amount: $2,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 10.40% → 8.40% ▼ 2.00 pts · high 10.40% / low 8.40% Sep 21, 20268.40%▼ from 10.40% Sep 14, 202610.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vacation Loan	-	-	10.40%	12 Months
Details Maximum Amount: $1,500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 14.40% → 10.40% ▼ 4.00 pts · high 14.40% / low 10.40% Sep 21, 202610.40%▼ from 14.40% Sep 14, 202614.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vacation Loan	-	-	14.40%	12 Months
Details Maximum Amount: $500.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 15.50% → 14.40% ▼ 1.10 pts · high 15.50% / low 14.40% Sep 21, 202614.40%▼ from 15.50% Sep 14, 202615.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Vacation Loan	-	-	15.50%	12 Months
Details Maximum Amount: $250.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 15.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%
Youth Share Accounts	0.01%	-	0.01%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

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

Eastern Panhandle Federal Credit Union’s Texas Ratio stayed near 0.41% in Q3 2023 to 0.75% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$19M	0.75%	5.0	A+
March 31, 2026	$18M	3.84%	5.0	A+
December 31, 2025	$18M	2.13%	5.0	A+
September 30, 2025	$19M	0.58%	5.0	A+
June 30, 2025	$18M	2.14%	5.0	A+
March 31, 2025	$18M	2.32%	5.0	A+
December 31, 2024	$18M	0.96%	5.0	A+
September 30, 2024	$18M	0.98%	5.0	A+
June 30, 2024	$19M	3.48%	5.0	A+
March 31, 2024	$19M	12.73%	5.0	A
December 31, 2023	$19M	12.33%	5.0	A
September 30, 2023	$20M	0.41%	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 Eastern Panhandle 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 Eastern Panhandle 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 Eastern Panhandle Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Eastern Panhandle Federal Credit Union

Website https://www.easternpanhandlefcu.com

Address 36 GM Access Rd, Martinsburg, WV 25403

Phone 304-263-2887

Fax 304-263-4310

President Richard O Brien

CEO Tina Sheppard

Full-Time Employees 4

Part-Time Employees 2

Branch Locations 1

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

0.75%

Return on Assets (ROA)

0.6689%

Return on Equity (ROE)

5.4921%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

18,785,268

Total Amount of Shares and Deposits

16,402,332

Total Shares and Deposits < 1 Year

16,402,331

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

16,402,332

Total Interest Expense (Sum of items 6 8)

14,137

Share Certificates

Number of Accounts for Share Drafts

1,274

Number of Accounts for Regular Shares

2,309

All other shares

103

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

125,659

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)

978,319

Total Liabilities

16,497,311

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Eastern Panhandle Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Eastern Panhandle Federal Credit Union

How many branches does Eastern Panhandle Federal Credit Union operate?

Eastern Panhandle 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 Eastern Panhandle Federal Credit Union?

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

Does Eastern Panhandle Federal Credit Union offer online and mobile banking?

Most modern institutions like Eastern Panhandle 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.easternpanhandlefcu.com.