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West Virginia Federal Credit Union

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West Virginia Federal Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does West Virginia Federal Credit Union offer?

West Virginia Federal Credit Union CD rates are 3.30% APY for a 3 month CD, 3.30% APY for a 6 month CD, 3.50% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.20% APY for a 2 year CD and 2.50% 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 West Virginia Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

West Virginia Federal Credit Union's 12 Month CD rates are at 3.50%, 3 Month CD rates are at 3.30%, 6 Month CD rates are at 3.30%, 18 Month CD rates are at 3.20%, 24 Month CD rates are at 3.20%. West Virginia Federal Credit Union's savings rates are at 1.50%. West Virginia Federal Credit Union's money market rates are at 1.50%. West Virginia Federal Credit Union's checking rates are as high as 1.00%. West Virginia Federal Credit Union's Adjustable Rate Mortgage (ARM) - 5/1 ARM rates are at 5.49%. West Virginia Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.57%. West Virginia Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 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
11 Month Special Certificate	3.54%	3.60%	11 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
12 Month Certificate	3.44%	3.50%	12 months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.50% APY · checked 4 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 Details Dividend rate 3.44%; $1,000 minimum investment to open an account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
5 Month Special Certificate	3.36%	3.40%	5 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
3 Month Certificate	3.26%	3.30%	3 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
6 Month Certificate	3.27%	3.30%	6 Months
Min Deposit $1,000 Details Dividends pay at maturity Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
18 Month Certificate	3.15%	3.20%	18 Months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
24 Month Certificate	3.15%	3.20%	24 Months
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.20% APY · checked 4 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 Details Dividend rate 3.15%; $1,000 minimum investment to open an account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
30 Month Certificate	2.95%	3.00%	30 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
36 Month Certificate	2.95%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.00% APY · checked 4 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 Details Dividend rate 2.95%; $1,000 minimum investment to open an account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
48 Month Certificate	2.47%	2.50%	48 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
60 Month Certificate	2.47%	2.50%	60 Month
Min Deposit $1,000 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.50% APY · checked 4 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 Details Dividend rate 2.47%; $1,000 minimum investment to open an account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 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 Details Dividend rate 2.47%; $1,000 minimum investment to open an account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 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 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 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 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 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 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 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 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 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 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 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 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Money Market Accounts	0.00%	0.00%
Min Balance $0 Details Tier 1; Balance: $0.00 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 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 10/29/2026 Rate History No change since Oct 9, 2026 · 1.50% APY · checked 5 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 10/29/2026 Rate History No change since Oct 9, 2026 · 1.25% APY · checked 5 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 10/29/2026 Rate History No change since Oct 9, 2026 · 1.00% APY · checked 5 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 10/29/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Business Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 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 Checking Rates

Product	Rate	APY
Gold Checking	1.00%	1.00%
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Gold Checking	0.50%	0.50%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 to $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fresh Start Checking	0.00%	0.00%
Min Deposit $100 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Gold Checking	0.00%	0.00%
Min Deposit $5,000 Min Balance $0 Details Balance: $0 to $4,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Regular Checking	0.00%	0.00%
Min Deposit $50 Last Updated 10/29/2026 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 Mortgage (ARM) - 5/1 ARM	5.49%	-	5.55%
Details As Low As; Interest Rate (As Low As) 5.49%; APR* 5.55%; Initial rate in effect for first 60 months, then APR adjusts annually; Maximum term 300 months; Owner occupied properties only; APR based on $50,000 loan at 70% LTV with $650.00 processing fee (Preferred Relationship discount) Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.55% APR · checked 2 times 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
Fixed Rate Home Equity Loan - 10 Year Fixed Rate (1st Lien)	5.24%	-	5.41%	10 Year
Details As Low As; 1st Lien; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.41% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fixed Rate Home Equity Loan - 5 Year Fixed Rate (1st Lien)	5.24%	-	5.57%	5 Year
Details As Low As; 1st Lien; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.57% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fixed Rate Home Equity Loan - 15 Year Fixed Rate (1st Lien)	5.49%	-	5.61%	15 Year
Details As Low As; 1st Lien; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.61% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fixed Rate Home Equity Loan - 20 Year Fixed	5.74%	-	5.86%	20 Year
Details As Low As; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fixed Rate Home Equity Loan - 5 Year Fixed Rate (2nd Lien)	5.99%	-	6.32%	5 Year
Details As Low As; 2nd Lien; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fixed Rate Home Equity Loan - 10 Year Fixed Rate (2nd Lien)	6.24%	-	6.42%	10 Year
Details As Low As; 2nd Lien; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.42% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity Credit Lines	6.75%	-	6.75%	20 years
Details As Low As; Balance: $50,000 & Above; 5 yr. draw, 5 yr. renewal, 10 yr. repayment; Effective Date: March 18, 2026; Variable rate based on margin added to WSJ Prime Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Fixed Rate Home Equity Loan - 15 Year Fixed Rate (2nd Lien)	6.74%	-	6.87%	15 Year
Details As Low As; 2nd Lien; Fixed Rate Home Equity Loans; Rates for owner occupied properties only; APR based on $50,000 loan at 70% LTV with $400.00 processing fee Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.87% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity Credit Lines	7.00%	-	7.00%	20 years
Details As Low As; Balance: $25,000 - $49,999.99; 5 yr. draw, 5 yr. renewal, 10 yr. repayment; Effective Date: March 18, 2026; Variable rate based on margin added to WSJ Prime Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Home Equity Credit Lines	7.25%	-	7.25%	20 years
Details As Low As; Balance: $10,000 - $24,999.99; 5 yr. draw, 5 yr. renewal, 10 yr. repayment; Effective Date: March 18, 2026; Variable rate based on margin added to WSJ Prime Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times 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; Effective March 18, 2026 Last Updated 10/29/2026 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; Effective March 18, 2026 Last Updated 10/29/2026 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; Effective March 18, 2026 Last Updated 10/29/2026 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; Effective March 18, 2026 Last Updated 10/29/2026 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; Effective March 18, 2026 Last Updated 10/29/2026 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; Up to 100% financed; Rates apply to used vehicles 2020-2022; 0.10% rate discount with automatic payment deduction; additional discounts with Preferred Relationship Last Updated 10/29/2026 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 2018-2019	5.99%	-	6.08%	48 Months
Details As Low As; Model Year: 2018 to 2019; % Financed: Up to 100% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.58% → 6.08% ▲ 0.50 pts · high 6.08% / low 5.58% Oct 5, 20266.08%▲ from 5.58% Sep 14, 20265.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Auto & Harley Davidson 2017 & Older	5.99%	-	6.10%	36 Months
Details As Low As; Model Year: 2017 & Older; % Financed: Up to 100% Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.61% → 6.10% ▲ 0.49 pts · high 6.10% / low 5.61% Oct 15, 20266.10%▲ from 5.61% Sep 17, 20265.61%first recorded 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; Loan must be greater than $30,000 for 84 month financing; Rates quoted apply to new vehicles 2023 and newer; Effective March 18, 2026 Last Updated 10/29/2026 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 Loan	5.49%	5.58%	48 Month
Details As Low As; Tier: $0-100,000; % Financed: Up to 100%; Rates apply to new vehicles 2023 and newer; Preferred Relationship and 0.10% automatic payment discounts available Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 5.58% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle Boats Loan	5.99%	6.06%	60 Months
Details As Low As; Tier: $0-100,000; % Financed: Up to 100%; Rates apply to new vehicles 2023 and newer; Preferred Relationship and 0.10% automatic payment discounts available Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.06% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle Boats Loan	5.99%	6.11%	36 Months
Details As Low As; Loan Amount Tier: $0-$100,000; % Financed: Up to 100%; Additional rate discounts available with a Preferred Relationship; 0.10% rate discount with automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.11% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle Boats Loan	6.24%	6.30%	72 Months
Details As Low As; Tier: $0-100,000; % Financed: Up to 100%; Rates apply to new vehicles 2023 and newer; Preferred Relationship and 0.10% automatic payment discounts available Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.30% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle Boats Loan	6.49%	6.58%	48 Months
Details As Low As; Loan Amount Tier: $0-$100,000; % Financed: Up to 100%; Additional rate discounts available with a Preferred Relationship; 0.10% rate discount with automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 6.58% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle Boats Loan	6.74%	6.79%	84 Months
Details As Low As; Tier: $30,000 to $100,000 excluding UTV; % Financed: Up to 100%; Rates apply to new vehicles 2023 and newer; Preferred Relationship and 0.10% automatic payment discounts available Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 6.79% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
New Recreational Vehicle Boats Loan	6.99%	7.03%	120 Months
Details As Low As; Tier: $30,000 to $100,000 excluding UTV; % Financed: Up to 100%; Rates apply to new vehicles 2023 and newer; Preferred Relationship and 0.10% automatic payment discounts available Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 7.03% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle Boats Loan	6.99%	7.06%	60 Months
Details As Low As; Loan Amount Tier: $30,000 to $100,000; % Financed: Up to 100%; Additional rate discounts available with a Preferred Relationship; 0.10% rate discount with automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 7.06% APR · checked 9 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; Up to 100% financed; Rate discount of 0.10% available with automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Recreational Vehicle Boats Loan	7.99%	8.05%	72 Months
Details As Low As; Loan Amount Tier: $30,000 to $100,000; % Financed: Up to 100%; Additional rate discounts available with a Preferred Relationship; 0.10% rate discount with automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 8.05% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.10%
Used Motorcycle, Personal Watercraft & 4 Wheelers Loan	8.49%	8.58%	Max Term 48 Months
Details As Low As; Up to 100% financed; A 0.10% rate discount is available with an automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.58% APR · checked 12 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; Up to 100% financed; Rate discount of 0.10% available with automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 11 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; A 0.10% rate discount is available with an automatic payment deduction Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.58% APR · checked 12 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 10/29/2026 Rate History No change since Oct 13, 2026 · 12.34% APR · checked 3 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 10/29/2026 Rate History No change since Oct 13, 2026 · 13.26% APR · checked 3 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 months
Details As Low As; Interest Rate 4.99%; Offer dates March 1, 2025 - August 31, 2025; Loan amount $1,000 minimum & $2,500 maximum; $25 processing fee; Vacation Loan interest rates range from 4.99% -10.99%; 1st payment due 30 days from disbursement Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.90% APR · checked 11 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

2026 MBR Health & Safety Badge

West Virginia Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About West Virginia Federal Credit Union

Does West Virginia Federal Credit Union offer CDs?

Yes. West Virginia Federal Credit Union current CD rates include its 12 Month CD at 3.50% APY, its 3 Month CD at 3.30% APY and its 6 Month CD at 3.30% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from West Virginia Federal Credit Union NCUA insured?

Yes. West Virginia 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 West Virginia Federal Credit Union?

The highest West Virginia Federal Credit Union CD rate is its 11 Month Special CD at 3.60% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does West Virginia Federal Credit Union offer?

West Virginia Federal Credit Union CD rates are 3.30% APY for a 3 month CD, 3.30% APY for a 6 month CD, 3.50% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.20% APY for a 2 year CD and 2.50% 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 West Virginia Federal Credit Union for its full lineup.

What is the highest savings rate at West Virginia Federal Credit Union?

The highest West Virginia Federal Credit Union savings rate is its Christmas Savings at 1.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at West Virginia Federal Credit Union?

The highest West Virginia Federal Credit Union money market rate is its Business Money Market at 1.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at West Virginia Federal Credit Union?

The highest West Virginia Federal Credit Union checking rate is its Gold Checking at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at West Virginia Federal Credit Union?

The lowest West Virginia Federal Credit Union mortgage rate is its Adjustable Rate Mortgage (ARM) - 5/1 ARM at 5.49%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at West Virginia Federal Credit Union?

The lowest West Virginia Federal Credit Union auto loan rate is its New/Used Auto & Harley Davidson 2023 & Newer at 4.49%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at West Virginia Federal Credit Union?

The lowest West Virginia Federal Credit Union personal loan rate is its New Motorcycle, Personal Watercraft & 4 Wheelers Loan at 7.49%, verified by MonitorBankRates as of October 29, 2026. West Virginia Federal Credit Union personal loan rates are 11.99% for a 36 month personal loan and 12.99% for a 48 month personal loan.

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.

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 West Virginia Federal Credit Union rates compare?

West Virginia Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. West Virginia Federal Credit Union's top rates are its 11 Month Special CD at 3.60% APY, its Christmas Savings at 1.50% APY, its Business Money Market at 1.50% APY, its Gold Checking at 1.00% APY, its Adjustable Rate Mortgage (ARM) - 5/1 ARM at 5.49% and its New Motorcycle, Personal Watercraft & 4 Wheelers Loan at 7.57% APR, verified by MonitorBankRates on October 29, 2026.

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 November 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

West Virginia Federal Credit Union Mortgage Rates

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

West Virginia Federal Credit Union Personal Loan Rates

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

Does West Virginia Federal Credit Union offer CDs?

Are CDs from West Virginia Federal Credit Union NCUA insured?

What is the highest CD rate at West Virginia Federal Credit Union?

What CD terms does West Virginia Federal Credit Union offer?

What is the highest savings rate at West Virginia Federal Credit Union?

What is the highest money market rate at West Virginia Federal Credit Union?

What is the highest checking rate at West Virginia Federal Credit Union?

What is the lowest mortgage rate at West Virginia Federal Credit Union?

What is the lowest auto loan rate at West Virginia Federal Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do West Virginia Federal Credit Union rates compare?

Current West Virginia Federal Credit Union Rates

Compare to Other Credit Unions