Mcdowell County Federal Credit Union Rates and Review February 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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Mcdowell 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 Mcdowell County Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Mcdowell County Federal Credit Union Texas RatioMcdowell County Federal Credit Union's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Mcdowell County Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. A 0.00% ratio is the best possible score. It indicates that Mcdowell County Federal Credit Union currently has zero non-performing assets or foreclosed properties on its books. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Mcdowell County Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Mcdowell County Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Current Rate AvailabilityWe do not have Mcdowell County Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Mcdowell 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 Mcdowell 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 Mcdowell County Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Mcdowell County Federal Credit Union
Full Time Employees: 0Part Time Employees: 0 President: Virginia Dyer CEO: Heather Mullins Branch Locations: 1 ATM Locations: 0 Corporate Office Address:
1027 Frederick St
Bluefield, WV 24701 Phone Number: 304-436-6800 Fax Number: 304-436-6803 FinancialsTotal Assets:
65,680
Total Amount of Shares and Deposits:
50,351
Total Shares and Deposits < 1 Year:
50,351
Total Insured Shares and Deposits > $250K (item 17 less item K):
50,351
Number of Accounts for Regular Shares:
32
Net Income (unless the amount is already included in Undivided Earnings):
-776
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
57,710
Total Liabilities:
50,551
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Mcdowell County Federal Credit UnionIs a member application needed to join Mcdowell County Federal Credit Union?Yes, to access services at Mcdowell County Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Mcdowell County Federal Credit Union provides a range of mortgage and home equity products. Is Mcdowell County Federal Credit Union a safe place to deposit money?Yes, Mcdowell County Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Mcdowell County Federal Credit Union offer online and mobile banking?Most modern institutions like Mcdowell County Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
You can compare Mcdowell County Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.83%, 6-month share certificate rates at 3.90% and 3-month share certificate rates at 2.70%. Savings rates are at 0.04% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.27%. All these rates, and more, can be found in our database of rates which you can compare to 
