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Raleigh County Educators Federal Credit Union

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Raleigh County Educators Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Raleigh County Educators 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: August 30, 2026

Raleigh County Educators Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Raleigh County Educators Federal Credit Union, and you can see how they compare in the Raleigh County Educators Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Raleigh County Educators Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.26%. Database rates last updated and verified on 08/30/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.26%

Excellent Lower than avg

Raleigh County Educators Federal Credit Union
Raleigh County Educators Federal Credit Union

105 Adair St
Beckley, WV 25801 3733

https://www.raleighcountyefcu.com

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Raleigh County Educators 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 Raleigh County Educators 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 Raleigh County Educators Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Raleigh County Educators Federal Credit Union

Website https://www.raleighcountyefcu.com

Address 105 Adair St, Beckley, WV 25801 3733

Phone 304-256-4600

Fax 304-256-0888

President Evert Mills

CEO Damon Hamby

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

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+ (99/100)

Texas Ratio

2.26%

Return on Assets (ROA)

0.7308%

Return on Equity (ROE)

2.9145%

Non-Performing Loans Ratio (NPL)

1.41%

Total Assets

21,413,798

Total Amount of Shares and Deposits

15,893,501

Total Shares and Deposits < 1 Year

13,970,690

Total Shares and Deposits 1 3 Years

1,922,811

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

92,682

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

92,682

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

15,800,819

Total Interest Expense (Sum of items 6 8)

124,661

Share Certificates

230

Number of Accounts for Share Drafts

673

Number of Accounts for Regular Shares

2,287

All other shares

246

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

156,496

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)

2,086,166

Total Liabilities

16,049,430

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Raleigh County Educators Federal Credit Union

How many branches does Raleigh County Educators Federal Credit Union operate?

Raleigh County Educators 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 Raleigh County Educators Federal Credit Union?

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

Does Raleigh County Educators Federal Credit Union offer online and mobile banking?

Most modern institutions like Raleigh County Educators 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.raleighcountyefcu.com.