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Alloy

PO Box 323, Alloy, WV 25002
NCUA Insured3.6 (25 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1970

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 323

Alloy, WV 25002

Service Area

This credit union is located in Alloy and serves members in the WV area. Currently serving 4,851 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.92%

Used Auto Loan

6.05%

Personal Loan

12.46%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WV

Lowest rates currently reported by credit unions in WV (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.6

25 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Walden Thomas

Walden Thomas

3 years ago

I paid 2 loans off 1 for 14000 and a second for 8700. Then was denied for a loan of 6500. That is fine but was told they tried to reach me but phone was buisy. I have no missed calls or voice mail. I was told I was delinquent on my past loan. I always paid early. I will go to Chase and get my money. Shame when you can't support local.

Michael Kacer

Michael Kacer

3 years ago

I have been with alloy over 10 years, ii Alloy and I can not talk highly enough about manager or the staff in Alloy , rather over the phone or in person. The Thing I love best is they all know who you are and your family, they have always been there when I needed advise, or needed things reviewed or what ever. When my wife passed they helped me with things to make sure all was fine, and as far as being a small credit union or bank I think that is an advantage, I grew up in time and age where whenever you walk into the bank or any business in town, they knew you or your family, you never felt like outsider when you entered the business. Always greeted friendly and chit chat a little while doing business, those were truly great days. I would love to see more of that today. If you have the pleasure to be a member, you should be greatful that your dealing with friends, neighbors, or maybe even family. Those of you in WV that have any of the staff there too help you in my opinion are extremely very lucky and blessed. That know and understanding what is important to you all. Now living in NC I have changed where I do banking, and only because I relocated to NC to be closer family will I be leaving AFCU. Thank you ladies for all you have done for both my wife and me over last 10 years, you will always be part of me and my life. You.will be in my thought and prayers snd love always. Michael Kacer

Ray Rappold

Ray Rappold

4 years ago

Asked for a 5 year truck loan 3 years ago - denied (even with a 790 credit score). Got a loan through my bank - paid it off in 3 years (thppt to Alloy FCU). Then I discover they are charging a $5.00 dormancy fee (never informed me of this change) - so pulling my remaining funds out today ! Far cry from the organization that was when my dad worked at Alloy.

James

James

2 years ago

If you are not in the click with the employees at the credit union or at the plant forget about going there you are NOTHING, direct deposit is a JOKE there waited 4 day over Christmas for my deposit to be posted and it was there Friday before Christmas, going to City Bank in Montgomery where you don't have to be in the get along gange to be serviced like a customer should be

Nathaniel Batiste

Nathaniel Batiste

7 years ago

The office has always been great to work with we live out of state and when ever we call to make payment … or ask questions always get great service

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).