What are the current interest rates at Marshall County Federal Credit Union?

Current rates for Marshall County Federal Credit Union include: 12-Month CD: 0.03%, 18-Month CD: 0.03%, 24-Month CD: 0.05%

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Marshall County Federal Credit Union

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Marshall County Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Marshall County 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

Marshall County Federal Credit Union's top rates as of October 9, 2026 are 0.60% APY on its IRA 36 Month CD, and personal loans from 10.25% APR, according to rates verified by MonitorBankRates. Other Marshall County Federal Credit Union CD rates include IRA 24 Month at 0.50%, IRA 18 Month at 0.40%, and IRA 12 Month at 0.30%. MonitorBankRates evaluates the financial stability of Marshall County Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.30%. Rates last updated and verified on 10/09/2026.

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

0.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Marshall County Federal Credit Union
Marshall County Commission

910 3rd St
Moundsville, WV 26041-1605

https://www.marshallcountyfcu.com

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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.

Marshall County Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA 36 Month	0.60%	0.60%	36 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
IRA 24 Month	0.50%	0.50%	24 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
IRA 18 Month	0.40%	0.40%	18 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
IRA 12 Month	0.30%	0.30%	12 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
IRA 6 Month	0.20%	0.20%	6 mt
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
24 Month Certificate	0.05%	0.05%	24 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
36 Month Certificate	0.05%	0.05%	36 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
12 Month Certificate	0.03%	0.03%	12 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
18 Month Certificate	0.03%	0.03%	18 mt
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
6 Month Certificate	0.03%	0.03%	6 mt
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Marshall County Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club (matures 9/30)	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Vacation Club (matures 5/31)	0.25%	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Marshall County Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Titled vehicles Loan	4.99%	-	4.99%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Titled vehicles Loan	4.99%	-	4.99%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Titled vehicles Loan	4.99%	-	4.99%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Titled vehicles Loan	5.25%	-	5.25%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Titled vehicles Loan	5.50%	-	5.50%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Titled vehicles Loan	6.25%	-	6.25%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Marshall County Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	10.25%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Personal Loans	10.25%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Personal Loans	10.50%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Personal Loans	10.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Personal Loans	11.00%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Personal Loans	11.25%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Debt Consolidation (checks written to creditors, accounts must be closed) Loan	14.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

Marshall County Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Instant Line of credit	10.00%	-	10.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Vacation & Holiday Loans	9.00%	-	9.00%	18 months
Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
AGE Accounts (06) Youth only (Under the age of 18)	0.35%	-	0.35%
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
IRA Share & up (Roth and Traditional)	0.15%	-	0.15%
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
IRA Share to $9999.99 (Roth and Traditional)	0.10%	-	0.10%
Min Balance $100 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%
Shares (Sub accts 00, 01, 07)	0.05%	-	0.05%
Min Balance $100 Details $100 and above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.30%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Marshall County Federal Credit Union’s Texas Ratio stayed near 0.58% in Q3 2023 to 0.30% 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	$27M	0.30%	5.0	A+
March 31, 2026	$27M	0.34%	5.0	A+
December 31, 2025	$26M	0.36%	5.0	A+
September 30, 2025	$26M	0.01%	5.0	A+
June 30, 2025	$26M	0.43%	5.0	A+
March 31, 2025	$26M	0.51%	5.0	A+
December 31, 2024	$24M	0.86%	5.0	A+
September 30, 2024	$23M	0.38%	5.0	A+
June 30, 2024	$24M	0.52%	5.0	A+
March 31, 2024	$23M	0.54%	5.0	A+
December 31, 2023	$23M	0.60%	5.0	A+
September 30, 2023	$23M	0.58%	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 Marshall County 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 Marshall County 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 Marshall County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Marshall County Federal Credit Union

Website https://www.marshallcountyfcu.com

Address 910 3rd St, Moundsville, WV 26041-1605

Phone 304-843-1179

Fax 304-843-1263

President Paul Chavanak

CEO Kelly Ward

Full-Time Employees 0

Part-Time Employees 6

Branch Locations 2

ATM Locations 0

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

0.30%

Return on Assets (ROA)

1.2256%

Return on Equity (ROE)

8.1427%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

26,846,038

Total Amount of Shares and Deposits

22,789,521

Total Shares and Deposits < 1 Year

22,710,933

Total Shares and Deposits 1 3 Years

78,588

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

39,507

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

39,507

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

22,750,014

Total Interest Expense (Sum of items 6 8)

5,296

Share Certificates

Number of Accounts for Share Drafts

1,203

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,423

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

329,014

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)

6,984,463

Total Liabilities

22,805,439

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Marshall County Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

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Frequently Asked Questions About Marshall County Federal Credit Union

How many branches does Marshall County Federal Credit Union operate?

Marshall County 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 Marshall County Federal Credit Union?

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

Does Marshall County Federal Credit Union offer online and mobile banking?

Most modern institutions like Marshall County 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.marshallcountyfcu.com.