Mountain Heritage


1822 7th St
Parkersburg, WV 26101
See all branch locations →

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

Mountain Heritage is an NCUA insured institution located in Parkersburg, WV. It was founded in 1958 and has approximately $43.72 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12470
Date Established 1958
Assets $43.72 million
Loans $31.92 million
Deposits $38.80 million
Capital $4.88 million

Field of Membership Restrictions

Membership is open to employees of the Parkersburg District of the Internal Revenue Service, Treasury Department of the U.S. Government, who work in West Virginia, Farmers Home Administration, Department of Agriculture, U.S. District Court, and General Services Administration working in the Federal Building in Parkersburg, West Virginia, the Appalachian Fruit Research Station, U.S. Department of Agriculture, who work in Kearneysville, West Virginia, and other select organizations. Membership is also open to those living in select areas of Wood County and Wirt County in West Virginia.

Deposit Rates - April 16, 2021

Your Current Location: Washington, WA 98101

We do not yet have rates for Mountain Heritage

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Advertiser Disclosure

Loan Rates - April 16, 2021

Your Current Location: Washington, WA 98101

There are currently no loan rates available for MOUNTAIN HERITAGE

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

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Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
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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
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0.000 %
$0 Learn More
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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
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To upload and update your bank's rates please register. It is free to register and add rates.



Below are Mountain Heritage 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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Mountain Heritage Locations

Financial Details

Mountain Heritage Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mountain Heritage. 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
Mountain Heritage U.S. Average
17.48% 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, Mountain Heritage had $792,521 in non-current loans and $165,902 in owned assets. To cover these potential losses it had $4,879,470 in net worth and $602,172 in loans loss reserves. That gives it a Texas Ratio of 17.48%.

Net Worth
Mountain Heritage U.S. Average
11.15% 12.67%

Mountain Heritage FCU has a net worth of 11.15% 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 Mountain Heritage

Branches and Savings

What is Mountain Heritage?

A federal credit union, registered with the NCUA under certificate #12470.
Learn more about credit unions here.

Is Mountain Heritage 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. Mountain Heritage is insured by the NCUA.

Who can join Mountain Heritage?

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

What are Mountain Heritage's share account and share certificate rates?

Mountain Heritage'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 Mountain Heritage?

Mountain Heritage has total capital of $4.88 million. Full information on Mountain Heritage's financial position is located above.

Who owns Mountain Heritage?

Credit Unions are owned by their members.

Where are Mountain Heritage branches located?

See branch locations nearby.

Are Mountain Heritage ATMs Open 24/7?

Do Mountain Heritage ATMs accept cash deposits?

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

Does Mountain Heritage have a mobile app?

Does Mountain Heritage have mobile deposit?

Does Mountain Heritage have quick pay?

How can Mountain Heritage transfer money to other banks or credit unions?

Does Mountain Heritage report to credit bureaus?

Does Mountain Heritage use Chexsystems?

Does Mountain Heritage use Equifax?

What is Mountain Heritage's toll free phone number?

What is Mountain Heritage's ACH Routing Number?

What is Mountain Heritage's SWIFT code?

Where can I find Mountain Heritage's wire transfer form?

What is the Mountain Heritage address for deposits?

What Products Does Mountain Heritage Offer

Does Mountain Heritage offer mortgages?

Compare mortgage rates here.

Does Mountain Heritage offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mountain Heritage offer auto and RV loans?

Compare auto loan rates here.

Does Mountain Heritage offer student loans or personal loans?

Compare personal loan rates here.

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