Charleston Federal Credit Union

Overview / Commentary

www.cfcuwv.virtualcu.net

304-347-3393

300 Virginia St E Rm 4203
Charleston, WV 25301-2513

Charleston Federal Credit Union is headquartered in CHARLESTON and is the 54^th largest credit union in the state of West Virginia. It is also the 4,003^rd largest credit union in the nation. It was established in 1959 and as of March of 2019, it had grown to 2 employees and 1,301 members at 1 location. Charleston Federal Credit Union has a B health rating.

Field of Membership Restrictions

Charleston Federal Credit Union is open to employees of the federal government (excluding IRS, Postal, or the Department of Health, Education and Welfare) who work or are supervised from Kanawha Valley, The University of Charleston, Charleston Job Corp, Goodwill, Ind., or Northern Management who work in the Robert C. Byrd Federal Courthouse.
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Health

Data as of Q1 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Charleston Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	12922
Year Chartered	1959
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	0.89%
Return on Equity - YTD	7.82%
Annual Interest Income	$96.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$10.5MM$10.2MM
Loans	Q1 2019vs Q1 2018	$5.4MM$4.7MM
Deposits	Q1 2019vs Q1 2018	$9.3MM$9.1MM
Equity Capital	Q1 2019vs Q1 2018	$1.2MM$1.1MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$39.00K$19.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$100.00K$103.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Charleston Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	Christmas Club
0.45%	-	-	Vacation Club
0.35%	$25	-	Share Account

Charleston Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Checking Account

Charleston Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%^*	$10k^*	-	24 Month Share Certificate
OTHER TIERS: 1.00% → Up to $10k
1.05%^*	$10k^*	-	18 Month Share Certificate
OTHER TIERS: 0.90% → Up to $10k
0.90%^*	$10k^*	-	12 Month Share Certificate
OTHER TIERS: 0.75% → Up to $10k
0.75%^*	$10k^*	-	6 Month Share Certificate
OTHER TIERS: 0.60% → Up to $10k
0.50%^*	$10k^*	-	3 Month Share Certificate
OTHER TIERS: 0.35% → Up to $10k

Locations

Charleston Federal Credit Union Locations
Branch Office	300 VIRGINIA ST E RM 4203	CHARLESTON, WV 25301-2513

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