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 21st largest credit union in the state of West Virginia. It is also the 2,505th largest credit union in the nation. It was established in 1958 and as of September of 2022, it had grown to 13 employees and 8,211 members at 3 locations. Mountain Heritage Federal Credit Union's CD rates are 2X the national average, and it 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 relatively low asset base.

Health Grade Components

NCUA #12470
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.03%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$51.2MM$47.8MM
LoansQ3 2022vs Q3 2021$36.8MM$36.1MM
DepositsQ3 2022vs Q3 2021$45.6MM$42.6MM
Equity CapitalQ3 2022vs Q3 2021$5.5MM$5.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$607.00K$490.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$732.00K$931.00K
Real Estate OwnedQ3 2022vs Q3 2021$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

0.90%--IRA Savings
0.50%--Christmas Club Account
0.50%--Vacation Club Account

Mountain Heritage Federal Credit Union Money Market Rates

0.65%*$10k*-Money Market Account
OTHER TIERS: 0.50% $1k - $10k

Mountain Heritage Federal Credit Union CD Rates

2.53%$500-36 Month CD
2.53%$500-48 Month CD
2.53%$500-60 Month CD
2.27%$500-24 Month CD
2.02%$500-12 Month CD
1.51%$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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