The State

2200 WASHINGTON STREET EAST, P.O. B, Charleston, WV 25305

NCUA Insured3.2 (25 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1988

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

Membership Eligibility

Anyone who lives, works, or worships in or around Charleston, WV may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1988

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesCredit Cards

Location & Directions

Address

2200 WASHINGTON STREET EAST, P.O. B

Charleston, WV 25305

Google Maps 🗺Waze

(304) 558-0566

Service Area

This credit union is located in Charleston and serves members in the WV area. Currently serving 8,408 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

5.81%

Used Auto Loan

6.17%

Personal Loan

10.00%

Credit Card APR

15.00%

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).

Bayer Heritage— New Auto Loan

New Martinsvill, WV

2.99%

South Charleston Employees— Used Auto Loan

South Charlesto, WV

4.89%

Morgantown a E S— Personal Loan

Morgantown, WV

7.17%

167th Tfr— Credit Card APR

Martinsburg, WV

7.99%

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

Branches & Locations(2 total)

Member Reviews

3.2

25 Google reviews

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

View on Google Maps

Jerry Shinn

4 years ago

What financial institutions ever close for 5 days to upgrade computer systems?? Well apparently this one does and then takes money that you don’t owe them for mistakes they made. Will be closing ALL accounts on the next business day. I’m done with PECU

Everett Kennedy

4 years ago

Tried to get a loan here. I called and got no answer so I did an online application. Say someone will contact you within 24 hours. Called several times and left several messages. Nine days later somebody called me. I had already gone elsewhere and borrowed money plus borrowed extra to pay off a loan I had there after this experience. I paid off PNC Bank and WV Credit Union. One week later and PNC has received my payoff mailed from a bank in Fairmont, WV. Yep you guessed it, credit Union says they haven’t received anything in Charleston, WV. This used to be a great place to do business but has went straight down the tubes. Avoid the hassle and go somewhere else!!!!!!!!!!!

Linda Payne

5 years ago

I have always bank with the Credit Union and they are always nice and polite. Greeting you with a smile whenever you go to the office and that makes you feel welcome! So, I really love my State Credit Union❤

kalmom85212

8 years ago

They steal your money by charging insufficient funds when you actually have money. They also use shady banking practices. Good faith banking, you're supposed to add deposits before withdrawals & also take out smaller amounts first. They do not practice this. Beware & pay attention! I'm surprised they haven't been audited & sued yet.

Tammy L Cogar

4 years ago

I have had nothing but the best of service and support from the State Credit Union. I have been banking with them for 35 years now and I have never had a complaint.