Mountain Heritage Federal Credit Union

Overview / Commentary
1822 7th St
Parkersburg, WV 261010

Mountain Heritage Federal Credit Union is headquartered in Parkersburg and is the 22nd largest credit union in the state of West Virginia. It is also the 2,542nd largest credit union in the nation. It was established in 1958 and as of June of 2021, it had grown to 14 employees and 7,793 members at 3 locations. Mountain Heritage Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the Parkersburg District of the Internal Revenue Service, Treasury Department of the U.S. Government, who work in West Virginia, Farmers Home Administration, Department of Agriculture, U.S. District Court, and General Services Administration working in the Federal Building in Parkersburg, West Virginia, the Appalachian Fruit Research Station, U.S. Department of Agriculture, who work in Kearneysville, West Virginia, and other select organizations. Membership is also open to those living in select areas of Wood County and Wirt County in West Virginia.
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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. Mountain Heritage Federal Credit Union has a low asset base.

Health Grade Components

NCUA #12470
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD4.76%
Annual Interest Income$949.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$48.4MM$40.9MM
LoansQ2 2021vs Q2 2020$34.5MM$30.3MM
DepositsQ2 2021vs Q2 2020$43.3MM$36.1MM
Equity CapitalQ2 2021vs Q2 2020$5.0MM$4.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$514.00K$574.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$970.00K$1.2MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mountain Heritage Federal Credit Union Savings Account Rates

0.75%--IRA Savings
0.35%--Christmas Club Account
0.35%--Vacation Club Account

Mountain Heritage Federal Credit Union Money Market Rates

0.45%*$10k*-Money Market Account
OTHER TIERS: 0.25% $1k - $10k

Mountain Heritage Federal Credit Union CD Rates

1.01%$500-60 Month CD
0.90%$500-48 Month CD
0.80%$500-36 Month CD
0.70%$500-24 Month CD
0.65%$500-12 Month CD
0.50%$500-6 Month CD

Mountain Heritage Federal Credit Union Locations
Branch Office1822 7th StParkersburg, WV 26101
Branch Office110 N Heber StBeckley, WV 25801
Branch Office250 Murall DrKearneysville, WV 25430

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