Long Reach 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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

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

lrefcu.org

304-652-8363

10767 Energy Hwy
Friendly, WV 26146

Long Reach Federal Credit Union is headquartered in Middlebourne and is the 6^th largest credit union in the state of West Virginia. It is also the 1,413^th largest credit union in the nation. It was established in 1975 and as of March of 2025, it had grown to 35 employees and 10,421 members at 4 locations. Long Reach Federal Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Long Reach Federal Credit Union is open to businesses and those who live, work, worship, or attend school in the West Virginia counties of Doddridge, Pleasants, Ritchie, or Tyler.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	22241
Year Chartered	1975
Employees	35
Primary Regulator

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	9.51%
Annual Interest Income	$2.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$167.6MM$158.4MM
Loans	Q1 2025vs Q1 2024	$115.2MM$109.6MM
Deposits	Q1 2025vs Q1 2024	$150.5MM$143.2MM
Equity Capital	Q1 2025vs Q1 2024	$16.9MM$15MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$866K$595K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$774K$494K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

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

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

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
Money Market
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.

Long Reach Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$0	-	Christmas Club account
0.15%	$0	-	Vacation Club Account
0.10%	$0	-	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
4.50%	$500	-	6 Month CD
4.07%	$500	-	12 Month CD
3.92%	$500	-	60 Month CD
3.87%	$500	-	48 Month CD
3.82%	$500	-	36 Month CD
3.50%	$500	-	24 Month CD

Long Reach Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.92%	$500	-	60 Month IRA
3.87%	$500	-	48 Month IRA
3.82%	$500	-	36 Month IRA
3.50%	$500	-	24 Month IRA
0.25%	$0	-	IRA Account

Locations

Long Reach Federal Credit Union Locations
Branch Office	810 3rd St	Saint Marys, WV 26170-1155
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

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