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Members Choice WV Federal Credit Union Rates & Review October 2026

Members Choice WV Federal Credit Union's top rates as of October 12, 2026 are 3.55% APY on its 24 month 2 Year CD, 0.50% APY on savings, personal loans from 9.50% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Members Choice WV Federal Credit Union CD rates include 24 month IRA CDs - 2 Year at 3.55%, 12 month 1 Year CD at 3.29%, and 12 month IRA CDs - 1 Year at 3.29%. MonitorBankRates evaluates the financial stability of Members Choice WV Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.23%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
2.23%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Members Choice WV Federal Credit Union
Members Choice WV FCU
201 Ohio Ave
Charleston, WV 25302-2209
https://www.memberschoicewv.com
Member NCUA
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.

Members Choice WV Federal Credit Union CD Rates

Product Rate APY Term View More
24 month 2 Year Share Certificate 3.50% 3.55% 24 months
Min Deposit $1,000
Details Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
24 month IRA Certificates - 2 Year 3.50% 3.55% 24 months
Min Deposit $1,000
Details Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
12 month 1 Year Share Certificate 3.25% 3.29% 12 months
Min Deposit $1,000
Details Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
12 month IRA Certificates - 1 Year 3.25% 3.29% 12 months
Min Deposit $1,000
Details Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
6 Month Share Certificate 3.00% 3.03% 6 months
Min Deposit $1,000
Details Minimum $1,000.00 to open; APY is Annual Percentage Yield if left on deposit for full term
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
IRA Certificates - 6 Month 3.00% 3.03% 6 months
Min Deposit $1,000
Details Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Members Choice WV Federal Credit Union Savings Rates

Product Rate APY View More
Savings (Share) 0.50% 0.50%
Min Deposit $5
Min Balance $20,000
Details Balance: $20,000.00 and above
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Savings (Share) 0.40% 0.40%
Min Deposit $5
Min Balance $10,000
Details Balance: $10,000.00 - $19,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Savings (Share) 0.30% 0.30%
Min Deposit $5
Min Balance $5
Details Balance: $5.00 - $9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Members Choice WV Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto - Models 2026 New or Used - - 5.00% 0-39 months
Details As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.00% ▼ 0.25 pts · high 5.25% / low 5.00%
4.50%5.13%5.75%Sep 17, 2026: 5.25% APROct 12, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used - - 5.25% 40-51 months
Details As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 17, 2026: 5.25% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used - - 5.50% 52-63 months
Details As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 17, 2026: 5.25% APROct 12, 2026: 5.50% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20265.50%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used - - 6.25% 64-75 months
Details As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 6.25% ▲ 1.00 pts · high 6.25% / low 5.25%
4.25%5.75%7.25%Sep 17, 2026: 5.25% APROct 12, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20266.25%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Model 2021 - - 7.00% 51 months
Details As Low As; Model Year: 2021; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 7.00% ▲ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 17, 2026: 5.25% APROct 12, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Model 2022 - - 7.00% 54 months
Details As Low As; Model Year: 2022; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 7.00% ▲ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 17, 2026: 5.25% APROct 12, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Model 2023 - - 7.00% 66 months
Details As Low As; Model Year: 2023; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 7.00% ▲ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 17, 2026: 5.25% APROct 12, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Model 2024 - 2025 - - 7.00% 75 months
Details As Low As; Model Year: 2024 - 2025; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 7.00% ▲ 1.75 pts · high 7.00% / low 5.25%
3.50%6.13%8.75%Sep 17, 2026: 5.25% APROct 12, 2026: 7.00% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20267.00%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Models 2026 New or Used - - 7.50% 76-84 months
Details As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 17, 2026: 7.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Model 2016 - 2018 - - 8.00% 45 months
Details As Low As; Model Year: 2016 - 2018; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Sep 17, 2026: 8.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
New & Used Auto - Model 2019 - 2020 - - 8.00% 48 months
Details As Low As; Model Year: 2019 - 2020; Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
1 change since Sep 17, 2026 · 5.25% → 8.00% ▲ 2.75 pts · high 8.00% / low 5.25%
2.50%6.63%10.75%Sep 17, 2026: 5.25% APROct 12, 2026: 8.00% APRSep 17, 2026Oct 13, 2026
  • Oct 12, 20268.00%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Members Choice WV Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Loans - 6.50% 0-60 months
Details As Low As; Collateral type, age, value & credit worthiness will determine term of loan; Motorcycles and ATVs - 60-month maximum
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 8, 2026: 6.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Loans - 7.50% 61-84 months
Details As Low As; Collateral type, age, value & credit worthiness will determine term of loan; Motorcycles and ATVs - 60-month maximum
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Recreational Loans - 8.50% 85-120 months
Details As Low As; Collateral type, age, value & credit worthiness will determine term of loan; Motorcycles and ATVs - 60-month maximum
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Oct 8, 2026: 8.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Members Choice WV Federal Credit Union Credit Card Rates

Product Rate APR View More
MCWV Visa Credit Card - 9.99%
Details Low 9.99% APR for Purchases and Cash Advances (daily periodic rate 0.0278%); no annual fee; 25-day grace period; rewards program with cash back for statement credit; no interest on purchases if paid in full by due date
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 12, 2026: 9.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
Visa Credit Card - 9.99%
Details 25 Day Grace Period
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Members Choice WV Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal (Signature) Loans 9.50% 0-60 months
Details As Low As; Minimum Loan $500.00
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Members Choice WV Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Home Improvement Loan - - 7.50% Up to 84 months
Details Fixed Rate of 7.50% APR; Up to $30,000; No appraisal required
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%
IRA - Traditional and Roth 1.25% - 1.25%
Details Rates effective: September 1st, 2026
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 12, 2026: 1.25% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.23%

Financial Health History

Members Choice WV Federal Credit Union’s Texas Ratio stayed near 2.00% in Q3 2023 to 2.23% 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.

0% 1.0★ 1% 2.0★ 1.9% 3.0★ 2.9% 4.0★ 3.8% 5.0★ Healthy zone – entire history below the 15% limit 2.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.23% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$94M2.23%5.0A+
March 31, 2026$93M1.23%5.0A+
December 31, 2025$91M2.68%5.0A+
September 30, 2025$90M2.14%5.0A+
June 30, 2025$91M2.38%5.0A+
March 31, 2025$91M1.78%5.0A+
December 31, 2024$88M2.82%5.0A+
September 30, 2024$88M2.10%5.0A+
June 30, 2024$89M1.75%5.0A+
March 31, 2024$91M1.36%5.0A+
December 31, 2023$91M1.76%5.0A+
September 30, 2023$93M2.00%5.0A+
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 Members Choice WV 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 Members Choice WV 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 Members Choice WV Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Members Choice WV Federal Credit Union
Address 201 Ohio Ave, Charleston, WV 25302-2209
Phone 304-346-5242
Fax 304-346-5262
President Raymond Joseph
CEO Stephanie Rippetoe
Full-Time Employees 16
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+ (99/100)
Texas Ratio
2.23%
Return on Assets (ROA)
0.3688%
Return on Equity (ROE)
1.7052%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
93,638,614
Total Amount of Shares and Deposits
73,209,775
Total Shares and Deposits < 1 Year
70,501,667
Total Shares and Deposits 1 3 Years
2,708,108
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,367,503
Total Uninsured Shares and Deposits > $250K (F+J)
1,367,503
Total Insured Shares and Deposits > $250K (item 17 less item K)
71,842,272
Total Interest Expense (Sum of items 6 8)
504,939
Share Certificates
533
Number of Accounts for Share Drafts
3,305
IRA KEOGH Accounts
192
Number of Accounts for Regular Shares
6,196
All other shares
747
Net Income (unless the amount is already included in Undivided Earnings)
345,371
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)
4,462,299
Total Liabilities
73,383,994
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Members Choice WV 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/members-choice-wv-federal-credit-union-rates-review-4969">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Members Choice WV Federal Credit Union

How many branches does Members Choice WV Federal Credit Union operate?

Members Choice WV 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 Members Choice WV Federal Credit Union?

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

Does Members Choice WV Federal Credit Union offer online and mobile banking?

Most modern institutions like Members Choice WV 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.memberschoicewv.com.

Current Members Choice WV Federal Credit Union Rates

  • 12-Month CD3.29%
  • 24-Month CD3.55%
  • Savings0.50%
Retrieved from our database of financial products. Rates subject to change.