Back to South Charlesto credit unions

West Virginia

318 5th Ave, South Charlesto, WV 25303
NCUA Insured3.8 (16 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1965

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

Location & Directions

Address

318 5th Ave

South Charlesto, WV 25303

Service Area

This credit union is located in South Charlesto and serves members in the WV area. Currently serving 7,249 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

6.53%

Used Auto Loan

6.80%

Personal Loan

11.27%

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(2 total)

Member Reviews

3.8

16 Google reviews

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

View on Google Maps
April Martin

April Martin

4 months ago

I've been banking here since the 1980s when I opened an account via my grandfather working for Carbide (back when it was only open to Carbide employees and family). I have since had joint accounts with all my kids (adults now), my personal account, and my business account. I have taken multiple car loans over the years. I have never banked anywhere else and can't compare it to elsewhere. The reason is because they have NEVER given me a reason to go anywhere else. 45 years of great service, great communication, great options to serve many needs as your life/family grows and then shrinks again. In all that time, they have not once, given me a reason to look elsewhere or be upset with them. There have been hiccups here and there but they have always been prompt at handling whatever I need or needed remedied. Their employee turn over is extremely low and so I've had the pleasure of seeing the same friendly faces through the years and knowing when I do need to call, who to ask for. I wish I could give them more stars.

tammy mason

tammy mason

a year ago

I wish there were overdraft grace days (ex: have until Tue - c.o.b. over a weekend and 48hrs other times; only reason if someone has to work before 8a and doesn't get off before 6p - gives them time to deposit); i heard some financial institutions DONT CHARGE ANY OVERDRAFT FEES ; I wish there were Saturday hours and also Instant deposit availability......Employees at South Charleston and Saint Albans branches are very friendly.....I like the conveniences of the locations ....

Kat Grimalkin

Kat Grimalkin

2 years ago

Wonderful staff here. Friendly, helpful, & professional people. In nearly 30 years that I've been a customer there, they have never acted like they're doing me a big favor or that I'm being an irritating "bother" to their day, unlike a couple "big box banks" in downtown Charleston.

Crystal Price

Crystal Price

4 years ago

Worst bank ever, especially for small businesses. There is no communication within the bank so nobody is ever on the same page nor do you get the same info across reps. They are not client focused and pile on fees after fees for their mistakes. It’s very slow paced and unprofessional. They will hold your deposits for no reason. They will snail mail notices and messages they impact your livelihood and you will not receive the communication until days later. DO NOT BANK HERE.

Casey Coleman

Casey Coleman

5 years ago

Don’t pay your payments online unless you want the repo guy calling you saying you haven’t made your payments since you got the vehicle then for your bank to say they went through, called multiple times to the bank and got “I’ll call you back” for me to never receive answers , abunch of scammers .

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).