Back to Martinsburg credit unions

Eastern Panhandle

36 GM Access Rd, Martinsburg, WV 25403
NCUA Insured3.9 (21 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

36 GM Access Rd

Martinsburg, WV 25403

Service Area

This credit union is located in Martinsburg and serves members in the WV area. Currently serving 2,745 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

5.04%

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.

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

3.9

21 Google reviews

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

View on Google Maps
Lara Tabidze

Lara 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

Rarity Thomas

5 months ago

Very nice people, never had any issues

Derek Maurer

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

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.

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.

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).