Universal

317 31st ST, Huntington, WV 25702

NCUA Insured4.3 (15 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1935

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 Huntington, 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

1 charter

Established in 1935

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

317 31st ST

Huntington, WV 25702

Google Maps 🗺Waze

(304) 697-2919

Service Area

This credit union is located in Huntington and serves members in the WV area. Currently serving 6,008 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

4.70%

Used Auto Loan

5.77%

Personal Loan

11.24%

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(3 total)

Member Reviews

4.3

15 Google reviews

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

View on Google Maps

Victoria Hammond

3 years ago

Where do I begin? Super low debit card limits that they won't raise, even if they tell you they did. They just had a data breach that locked everyone out of their accounts, and their solution was to cripple online shopping capabilities. Oh, and they don't like to answer their phones, either. Great place, if you have unlimited time and patience.