NCUA Insured
Member-Owned
1 charter
Established in 1970
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 Martinsburg, WV may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1970
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Martinsburg and serves members in the WV area. Currently serving 2,745 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.04%Used Auto Loan
5.86%Personal Loan
8.94%Credit Card APR
11.70%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.
Lowest rates currently reported by credit unions in WV (NCUA Q4 2025).
New Martinsvill, WV
South Charlesto, WV
Morgantown, WV
Martinsburg, WV
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.9
21 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsLara Tabidze
4 years ago
I have been a member of Eastern Panhandle Credit Union since we move to WV in 2001. Great experience through the years and very warm atmosphere! Tina, Heidi, Shelly, and every member of the staff were phenomenal. We have moved from WV to GA in 2017. Since then I have called the Eastern Panhandle Credit Union multiple times needing help. I can't say enough good things about both Tina and Heidi. I am not even actively banking there, but they helped me tremendously!! Every time I had them on the other end, they were very professional and very friendly. Thank you so much for your dedication to make every person feel great!
Rarity Thomas
5 months ago
Very nice people, never had any issues
Derek Maurer
2 years ago
This was my first bank so it holds a special place in my heart, but as of late, it seems like there is literally always something wrong; the app is down, can’t log into accounts, the account balance doesn’t match the transactions, etc. Not to mention, their overdraft fee is outrageous, and half the time it’s not even your fault. Overdraft fees are all-but-extinct in the banking world anymore. All my other banks I bank with have overdraft protection. Here, they’ll ding you nearly $30 for being a penny over. There’s just way better banks out there. Your money is way too important; I would not recommend keeping your money here.
VEEFOURVENDETTA
3 months ago
I've been with the credit union since I moved here from L.A. I never had a loan denied, and I have always been treated well. I live 35 minutes from the Credit Union, and have no plans to switch.
Mary P.
3 years ago
This credit union is stuck in the Dark Ages. Their website is terrible! if you opt for e-statements, then you only get e-statements going forward--no matter how long you have been a member. Space prohibits me from describing all the other miseries I have experienced dealing with this credit union which is a generation behind the times. They'll give you the excuse they have to do things differently because they are a credit union but this is BUNK because I have accounts at 2 other credit unions that render FAR SUPERIOR SERVICE.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(304) 263-2887Website
Visit WebsiteMembers
2,745
Total Assets
$18.5M
Year Opened
1970
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile