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Romney Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: April 23, 2026

Romney Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Romney Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.48%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.48%
Excellent Higher than avg
Romney Federal Credit Union
Romney Federal Credit Union
62 W Main St
Romney, WV 26757 1638
https://www.romneyfcu.com
Member NCUA

Romney Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal loans - 9.99%
Details up to $7,500; Starting at
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.48%
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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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Romney 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 Romney 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 Romney Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Romney Federal Credit Union
Website https://www.romneyfcu.com
Address 62 W Main St, Romney, WV 26757 1638
Phone 304-822-3116
Fax 304-822-3116
President Douglas Cowgill
CEO Beth McDonald
Full-Time Employees 6
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 (96/100)
Texas Ratio
8.48%
Return on Assets (ROA)
1.0109%
Return on Equity (ROE)
10.9999%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
14,115,893
Total Amount of Shares and Deposits
12,813,653
Total Shares and Deposits < 1 Year
9,866,079
Total Shares and Deposits 1 3 Years
2,656,504
Total Shares and Deposits > 3 Years
291,069
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,813,653
Total Interest Expense (Sum of items 6 8)
206,557
Share Certificates
334
Number of Accounts for Share Drafts
387
Number of Accounts for Regular Shares
1,606
Money Market Shares
9
Net Income (unless the amount is already included in Undivided Earnings)
38,488
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,493,609
Total Liabilities
12,818,595
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Romney Federal Credit Union

Is Romney Federal Credit Union a safe place to deposit money?

Yes, Romney Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.4842495710315%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Romney Federal Credit Union operate?

Romney 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 Romney Federal Credit Union?

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

Does Romney Federal Credit Union offer online and mobile banking?

Most modern institutions like Romney 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.romneyfcu.com.

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