300 Virginia St E Rm 4203
Charleston, WV 25301
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Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Charleston is an NCUA insured institution located in Charleston, WV. It was founded in 1959 and has approximately $12.36 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12922
Date Established 1959
Assets $12.36 million
Loans $5.66 million
Deposits $11.02 million
Capital $1.33 million

Deposit Rates - April 16, 2021

Your Current Location: Washington, WA 98101

We do not yet have rates for Charleston

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Note to Charleston
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Loan Rates - April 16, 2021

Your Current Location: Washington, WA 98101

There are currently no loan rates available for CHARLESTON

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Test Advertiser QA
2.432% 2.375% 0.75 $1,875 $972 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

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Below are Charleston branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Charleston Locations

Financial Details

Charleston Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Charleston. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Charleston U.S. Average
3.39% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Charleston had $23,339 in non-current loans and $23,892 in owned assets. To cover these potential losses it had $1,330,979 in net worth and $61,381 in loans loss reserves. That gives it a Texas Ratio of 3.39%.

Net Worth
Charleston U.S. Average
10.76% 12.67%

Charleston FCU has a net worth of 10.76% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Charleston

Branches and Savings

What is Charleston?

A federal credit union, registered with the NCUA under certificate #12922.
Learn more about credit unions here.

Is Charleston FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Charleston is insured by the NCUA.

Who can join Charleston?

Please see Field of Membership information above for information on who is eligible to join.

What are Charleston's share account and share certificate rates?

Charleston's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Charleston?

Charleston has total capital of $1.33 million. Full information on Charleston's financial position is located above.

Who owns Charleston?

Credit Unions are owned by their members.

Where are Charleston branches located?

See branch locations nearby.

Are Charleston ATMs Open 24/7?

Do Charleston ATMs accept cash deposits?

Can Charleston customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Charleston have a mobile app?

Does Charleston have mobile deposit?

Does Charleston have quick pay?

How can Charleston transfer money to other banks or credit unions?

Does Charleston report to credit bureaus?

Does Charleston use Chexsystems?

Does Charleston use Equifax?

What is Charleston's toll free phone number?

What is Charleston's ACH Routing Number?

What is Charleston's SWIFT code?

Where can I find Charleston's wire transfer form?

What is the Charleston address for deposits?

What Products Does Charleston Offer

Does Charleston offer mortgages?

Compare mortgage rates here.

Does Charleston offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Charleston offer auto and RV loans?

Compare auto loan rates here.

Does Charleston offer student loans or personal loans?

Compare personal loan rates here.

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