Charleston, WV 25305

Notable Rates APY Vs.Others
Savings 0.40% 2.20% →
1-Year CD 1.00% 2.20% →
2-Year CD 1.29% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

The State is an NCUA insured institution located in Charleston, WV. It was founded in 1988 and has approximately $70.41 millions in assets.

NCUA Insured Yes
Charter Number # # 67222
Date Established 1988
Assets $70.41 million
Loans $38.37 million
Deposits $58.69 million
Capital $10.87 million

Field of Membership Restrictions

Membership is open to employees of the state of West Virginia, students of West Virginia public universities and colleges, employees of Barbour County Commission and over 80 member groups.

Deposit Rates - February 19, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $1 - Learn MoreShow Less
Fixed IRA
1.00% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.45% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
12 Mo CD
1.00% $500 - Learn MoreShow Less
24 Mo CD
1.29% $500 - Learn MoreShow Less
36 Mo CD
1.48% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,500 $2,999 Learn MoreShow Less

Loan Rates - February 19, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for THE STATE

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: 13256
3.375% 3.375% 0.00 ($80) $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

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


Below are The State 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:

The State Locations

Financial Details

The State Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The State. 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
The State U.S. Average
2.25% 5.86

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 June 30, 2019, The State had $210,706 in non-current loans and $43,847 in owned assets. To cover these potential losses it had $10,873,909 in net worth and $458,912 in loans loss reserves. That gives it a Texas Ratio of 2.25%.

Net Worth
The State U.S. Average
15.44% 13.65%

The State FCU has a net worth of 15.44% versus the BestCashCow average of 13.65. 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 The State

Branches and Savings

What is The State?

A federal credit union, registered with the NCUA under certificate #67222.
Learn more about credit unions here.

Is The State FDIC insured?

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

Who can join The State?

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

What are The State's share account and share certificate rates?

The State'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 The State?

The State has total capital of $10.87 million. Full information on The State's financial position is located above.

Who owns The State?

Credit Unions are owned by their members.

Where are The State branches located?

See branch locations nearby.

Are The State ATMs Open 24/7?

Do The State ATMs accept cash deposits?

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

Does The State have a mobile app?

Does The State have mobile deposit?

Does The State have quick pay?

How can The State transfer money to other banks or credit unions?

Does The State report to credit bureaus?

Does The State use Chexsystems?

Does The State use Equifax?

What is The State's toll free phone number?

What is The State's ACH Routing Number?

What is The State's SWIFT code?

Where can I find The State's wire transfer form?

What is the The State address for deposits?

What Products Does The State Offer

Does The State offer mortgages?

Compare mortgage rates here.

Does The State offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The State offer auto and RV loans?

Compare auto loan rates here.

Does The State offer student loans or personal loans?

Compare personal loan rates here.

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