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 Huntington C&O Railway Employees Federal Credit Union Rates & Review November 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 and Verified: October 29, 2026
Huntington C&O Railway Employees Federal Credit Union's 18 Month CD Account rates are at 2.16%, 12 Month CD Account rates are at 2.01%, 24 Month CD Account rates are at 1.86%, 36 Month CD Account rates are at 1.86%, 48 Month CD Account rates are at 1.86%. Huntington C&O Railway Employees Federal Credit Union's savings rates are at 0.10%. Huntington C&O Railway Employees Federal Credit Union's checking rates are as high as 0.25%. Huntington C&O Railway Employees Federal Credit Union's Mortgage Loans - 10 Year Fixed Rate rates are at 5.25%, Mortgage Loans - 15 Year Fixed Rate rates are at 5.75%, Mortgage Loans - 20 Year Fixed Rate rates are at 6.25%, Mortgage Loans - 25 Year Fixed Rate rates are at 6.99%. Huntington C&O Railway Employees Federal Credit Union's Personal Loan Rates are as low as 6.50%. Huntington C&O Railway Employees Federal Credit Union's top CD rate of 2.16% APY on an 18 month CD is 26% lower than the MonitorBankRates national average for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Huntington C&O Railway Employees Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.10%. Rates last updated and verified on 10/29/2026. Huntington C&O Railway 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 Huntington C&O Railway Employees Federal Credit Union? Share your experience about Huntington C&O Railway Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Huntington C&O Railway Employees Federal Credit Union. Huntington C&O Railway Employees Federal Credit Union
Main Office 901 6th Ave
https://www.c-ocreditunion.com/ Huntington, WV 25701  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. Huntington C&O Railway Employees Federal Credit Union CD Rates
Huntington C&O Railway Employees Federal Credit Union Savings Rates
Huntington C&O Railway Employees Federal Credit Union Checking Rates
Huntington C&O Railway Employees Federal Credit Union Mortgage Rates
Huntington C&O Railway Employees Federal Credit Union Auto Loan Rates
Huntington C&O Railway Employees Federal Credit Union Personal Loan Rates
Huntington C&O Railway Employees Federal Credit Union Other Rates
Financial Health HistoryHuntington C&O Railway Employees Federal Credit Union’s Texas Ratio fell from 32.26% in Q3 2023 to 13.10% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 5.0 and its Health Grade from D to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Huntington C&O Railway 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 Huntington C&O Railway 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 Huntington C&O Railway Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Huntington C&O Railway Employees Federal Credit Union
Website
https://www.c-ocreditunion.com/
Address
901 6th Ave,
Huntington, WV 25701
Phone
304-522-7998
Fax
304-525-3768
President
Jerry Chapman
CEO
Brian Whitlock
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.10%
Return on Assets (ROA)
0.3071%
Return on Equity (ROE)
2.0083%
Non-Performing Loans Ratio (NPL)
5.58%
Total Assets
30,658,641
Total Amount of Shares and Deposits
25,895,700
Total Shares and Deposits < 1 Year
24,465,680
Total Shares and Deposits 1 3 Years
1,430,020
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,895,700
Total Interest Expense (Sum of items 6 8)
24,823
Share Certificates
43
Number of Accounts for Share Drafts
999
IRA KEOGH Accounts
77
Number of Accounts for Regular Shares
4,547
All other shares
4
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)
4,284,618
Total Liabilities
25,970,294
Source: NCUA — Last Updated 06/30/2026
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Frequently Asked Questions About Huntington C&O Railway Employees Federal Credit UnionDoes Huntington C&O Railway Employees Federal Credit Union offer CDs?Yes. Huntington C&O Railway Employees Federal Credit Union current CD rates include its 18 Month CD Account at 2.16% APY, its 12 Month CD Account at 2.01% APY and its 24 Month CD Account at 1.86% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Huntington C&O Railway Employees Federal Credit Union NCUA insured?Yes. Huntington C&O Railway Employees Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Huntington C&O Railway Employees Federal Credit Union?The highest Huntington C&O Railway Employees Federal Credit Union CD rate is its 18 Month CD Account at 2.16% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Huntington C&O Railway Employees Federal Credit Union offer?Huntington C&O Railway Employees Federal Credit Union CD rates are 2.01% APY for a 12 month CD, 2.16% APY for an 18 month CD, 1.86% APY for a 2 year CD, 1.86% APY for a 3 year CD, 1.86% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Huntington C&O Railway Employees Federal Credit Union for its full lineup. What is the highest savings rate at Huntington C&O Railway Employees Federal Credit Union?The highest Huntington C&O Railway Employees Federal Credit Union savings rate is its Junior Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Huntington C&O Railway Employees Federal Credit Union?The highest Huntington C&O Railway Employees Federal Credit Union checking rate is its Elite Share Draft Checking at 0.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Huntington C&O Railway Employees Federal Credit Union?The lowest Huntington C&O Railway Employees Federal Credit Union mortgage rate is its Mortgage Loans - 10 Year Fixed Rate at 5.25% APR, verified by MonitorBankRates as of October 29, 2026. Huntington C&O Railway Employees Federal Credit Union mortgage rates are 6.99% APR for a 25 year mortgage, 6.25% APR for a 20 year mortgage, 5.75% APR for a 15 year mortgage and 5.25% APR for a 10 year mortgage. What is the lowest auto loan rate at Huntington C&O Railway Employees Federal Credit Union?The lowest Huntington C&O Railway Employees Federal Credit Union auto loan rate is its New Auto Loans - 2026 New Auto at 4.75% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Huntington C&O Railway Employees Federal Credit Union?The lowest Huntington C&O Railway Employees Federal Credit Union personal loan rate is its Personal Loans - Signature/Unsecured at 6.50% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Huntington C&O Railway Employees Federal Credit Union operate?Huntington C&O Railway 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 Huntington C&O Railway Employees Federal Credit Union?Yes, to access services at Huntington C&O Railway 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, Huntington C&O Railway 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, Huntington C&O Railway Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Huntington C&O Railway Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Huntington C&O Railway 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://www.c-ocreditunion.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Huntington C&O Railway Employees Federal Credit Union rates compare?Huntington C&O Railway Employees Federal Credit Union's top CD rate of 2.16% APY on an 18 month CD is 26% lower than the MonitorBankRates national average for that term, and it has an A health rating. Huntington C&O Railway Employees Federal Credit Union's top rates are its 18 Month CD Account at 2.16% APY, its Junior Savings at 0.10% APY, its Elite Share Draft Checking at 0.25% APY, its Mortgage Loans - 10 Year Fixed Rate at 5.25% and its Personal Loans - Signature/Unsecured at 6.50% APR, verified by MonitorBankRates on October 29, 2026. Current Huntington C&O Railway Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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