Long Reach Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.81%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.70%	1-year CD	12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Regular Share Saving Account 1.30% - Goldman Sachs Bank USA Online Savings

View all Long Reach Federal Credit Union rates »

Overview / Commentary

www.lrefcu.org

304-652-8363

10767 Energy Hwy
Friendly, WV 26146

Long Reach Federal Credit Union is headquartered in Middlebourne and is the 15^th largest credit union in the state of West Virginia. It is also the 2,136^th largest credit union in the nation. It was established in 1975 and as of June of 2017, it had grown to 19 employees and 5,948 members at 4 locations. Long Reach Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, or be a business or other legal entity in Pleasants County, Tyler County, Ritchie County, and Doddridge County or are employees of a member of the credit union's Select Employer Group.
See current membership details

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Health

B+

Data as of Q2 2017

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. Long Reach Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	22241
Year Chartered	1975
Employees	19
Primary Regulator

Profit Margin
Return on Assets - YTD	0.16%
Return on Equity - YTD	2.07%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$60.5MM$49.6MM
Loans	Q2 2017vs Q2 2016	$43.3MM$38.3MM
Deposits	Q2 2017vs Q2 2016	$55.7MM$45.1MM
Equity Capital	Q2 2017vs Q2 2016	$4.6MM$4.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$306.00K$189.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$305.00K$595.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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

Long Reach Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	-	-	IRA Account
0.15%	-	-	Christmas Cllub account
0.15%	-	-	Vacation Club Account
0.10%	-	-	Regular Share Saving Account

Long Reach Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$10k^*	-	Money Market Account
OTHER TIERS: 0.10% → $1k - $10k

Long Reach Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%	$500	-	Share Draft (Checking) Account

Long Reach Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.81%	$500	-	60 Month CD
1.46%	$500	-	48 Month CD
1.16%	$500	-	36 Month CD
1.00%	$500	-	24 Month CD
0.70%	$500	-	12 Month CD
0.50%	$500	-	6 Month CD

Long Reach Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.81%	$500	-	60 Month IRA
1.46%	$500	-	48 Month IRA
1.16%	$500	-	36 Month IRA
1.00%	$500	-	24 Month IRA

Locations

Long Reach Federal Credit Union Locations
Branch Office	902 2nd St	Saint Marys, WV 26170-1152
Branch Office	315 Main St	Middlebourne, WV 26149-9602
Branch Office	10767 Energy Hwy	Friendly, WV 26146-7512
Branch Office	165 E Washington Ave	Ellenboro, WV 26346