Huntington C & O Railway Employees Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.c-ocreditunion.com

800-643-5039

901 6th Ave
Huntington, WV 25701

Huntington C & O Railway Employees Federal Credit Union is headquartered in Huntington and is the 31^st largest credit union in the state of West Virginia. It is also the 2,869^th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 8 employees and 4,755 members at 1 location. Huntington C & O Railway Employees Federal Credit Union's CD rates are 2X the national average, and it has a C+ health rating.

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Health

C+

Data as of Q1 2025

Learn why bank health matters

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. Huntington C & O Railway Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	24236
Year Chartered	1934
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.55%
Return on Equity - YTD	3.84%
Annual Interest Income	$399K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$31.2MM$33.2MM
Loans	Q1 2025vs Q1 2024	$16.2MM$18.5MM
Deposits	Q1 2025vs Q1 2024	$26.7MM$28.9MM
Equity Capital	Q1 2025vs Q1 2024	$4.5MM$4.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$481K$522K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$957K$1.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$49K$49K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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

Huntington C & O Railway Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$0	-	Christmas Club Account
0.25%	$0	-	Vacation Club Account
0.10%	$100	-	Regular Share Savings
0.10%	$5	-	Junior Share Savings
0.10%	$100	-	Senior Share Savings

Huntington C & O Railway Employees Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$3.5k	-	Elite Share Draft Checking
0.05%	$500	-	Standard Share Draft Checking
0.05%	$500	-	Senior Share Draft Checking

Huntington C & O Railway Employees Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.16%^*	$25k^*	-	18 Month Share Certificate
OTHER TIERS: 0.30% → $2.5k - $25k
2.01%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 0.25% → $2.5k - $50k
1.86%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 0.35% → $2.5k - $50k
1.86%^*	$50k^*	-	36 Month Share Certificate
OTHER TIERS: 0.40% → $2.5k - $50k
1.86%^*	$50k^*	-	48 Month Share Certificate
OTHER TIERS: 0.45% → $2.5k - $50k
1.86%^*	$50k^*	-	60 Month Share Certificate
OTHER TIERS: 0.50% → $2.5k - $50k
1.26%^*	$50k^*	-	182 Day Share Certificate
OTHER TIERS: 0.25% → $5k - $50k
0.25%^*	$50k^*	-	91 Day Share Certificate
OTHER TIERS: 0.20% → $5k - $50k

Huntington C & O Railway Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	$5k	-	24 Month IRA
1.01%	$5k	-	12 Month IRA
0.35%	$0	-	Passbook IRA

Locations

Huntington C & O Railway Employees Federal Credit Union Locations
Branch Office	901 6th Ave	Huntington, WV 25701

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