Po Box 2139
Fairmont, WV 26555
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.85% 0.70% →
2-Year CD 1.05% 0.75% →
5-Year CD 1.25% 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

Fairmont is an NCUA insured institution located in Fairmont, WV. It was founded in 1939 and has approximately $474.55 millions in assets.

Who can join?

Eligibility Requirements

In Marion, Monongalia, Harrison and Taylor counties:
Persons who live, work, worship volunteer or go to school in, and businesses and other legal entities located within these counties.

In Preston County:
Employees of Valley Health Care

Immediate Family Eligibility Requirements
Anyone in the immediate family of an eligible member may join a Credit Union even if the eligible member does not join. Immediate family members include: spouse, parent, child, sibling, grandparent and grandchild. Adoptive and step-relationships are also included in the definition.

Household Eligibility Requirements
People living in the same residence or maintaining a single economic unit with an eligible member may join only if the eligible member actually belongs to the Credit Union. Household members include domestic partners, roommates, family members and legal guardian relationships. The definition excludes temporary residents and residents of boarding houses, frat houses and condominium complexes. Once a member joins the Credit Union, regardless of what category made them eligible for membership, their immediate families and their households also become eligible to join.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3439
Date Established 1939
Assets $474.55 million
Loans $251.62 million
Deposits $434.36 million
Capital $38.99 million

Field of Membership Restrictions

Membership is open to those who live or work in Marion, Monongalia, Harrison and Taylor Counties and several select employee groups (SEGs) in Preston County of West Virginia.

Deposit Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.50% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.25% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 2, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FAIRMONT

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.349% 3.250% 0.75 $3,125 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



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

Your Location:

Fairmont Locations

Financial Details

Fairmont Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fairmont. 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
Fairmont U.S. Average
10.65% 4.38

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 March 31, 2021, Fairmont had $4,066,853 in non-current loans and $132,140 in owned assets. To cover these potential losses it had $38,992,443 in net worth and $434,120 in loans loss reserves. That gives it a Texas Ratio of 10.65%.

Net Worth
Fairmont U.S. Average
8.96% 12.20%

Fairmont FCU has a net worth of 8.96% versus the BestCashCow average of 12.20. 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 Fairmont

Branches and Savings

What is Fairmont?

A federal credit union, registered with the NCUA under certificate #3439.
Learn more about credit unions here.

Is Fairmont 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. Fairmont is insured by the NCUA.

Who can join Fairmont?

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

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

Fairmont'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 Fairmont?

Fairmont has total capital of $38.99 million. Full information on Fairmont's financial position is located above.

Who owns Fairmont?

Credit Unions are owned by their members.

Where are Fairmont branches located?

See branch locations nearby.

Are Fairmont ATMs Open 24/7?

Do Fairmont ATMs accept cash deposits?

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

Does Fairmont have a mobile app?

Does Fairmont have mobile deposit?

Does Fairmont have quick pay?

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

Does Fairmont report to credit bureaus?

Does Fairmont use Chexsystems?

Does Fairmont use Equifax?

What is Fairmont's toll free phone number?

What is Fairmont's ACH Routing Number?

What is Fairmont's SWIFT code?

Where can I find Fairmont's wire transfer form?

What is the Fairmont address for deposits?

What Products Does Fairmont Offer

Does Fairmont offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fairmont offer auto and RV loans?

Compare auto loan rates here.

Does Fairmont offer student loans or personal loans?

Compare personal loan rates here.

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