Mountain Heritage Federal Credit Union


Overview / Commentary
304-424-7256
1822 7th St
Parkersburg, WV 261010

Mountain Heritage Federal Credit Union is headquartered in Parkersburg and is the 23rd largest credit union in the state of West Virginia. It is also the 2,602nd largest credit union in the nation. It was established in 1958 and as of December of 2020, it had grown to 15 employees and 7,610 members at 3 locations. Mountain Heritage Federal Credit Union has a C+ 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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Health
C+
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

Overall
NCUA #12470
Year Chartered1958
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.71%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$43.7MM$36.6MM
LoansQ4 2020vs Q4 2019$31.9MM$31.8MM
DepositsQ4 2020vs Q4 2019$38.8MM$31.9MM
Equity CapitalQ4 2020vs Q4 2019$4.9MM$4.6MM
Loan Loss AllowanceQ4 2020vs Q4 2019$602.00K$459.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.4MM$1.2MM
Real Estate OwnedQ4 2020vs Q4 2019$116.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%--IRA Savings
0.35%--Christmas Club Account
0.35%--Vacation Club Account
0.10%$5-Shares

Mountain Heritage Federal Credit Union Money Market Rates

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

Mountain Heritage Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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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