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Overview / Commentary
419 1st Ave S
Nitro, WV 25143

Peoples Federal Credit Union is headquartered in Nitro and is the 9th largest credit union in the state of West Virginia. It is also the 1,687th largest credit union in the nation. It was established in 1965 and as of December of 2017, it had grown to 26 employees and 10,347 members at 3 locations. Peoples Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, attend schoo, work or worship in Kanawha or Putnam Counties.
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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. Peoples Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #16993
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD-0.21%
Return on Equity - YTD-2.42%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$90.7MM$88.1MM
LoansQ4 2017vs Q4 2016$65.3MM$63.6MM
DepositsQ4 2017vs Q4 2016$82.6MM$81.1MM
Equity CapitalQ4 2017vs Q4 2016$7.8MM$8.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$549.00K$486.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$193.00K$430.00K
Real Estate OwnedQ4 2017vs Q4 2016$218.00K$527.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples Federal Credit Union Savings Account Rates

0.65%--IRA Savings Account
0.65%--Coverdell Education
0.50%--Christmas Club Account
0.50%--Vacation Club Account
0.30%*$25k*-Money Club Account
OTHER TIERS: 0.15% Up to $5k | 0.20% $5k - $25k
0.15%--Regular Shares Account

Peoples Federal Credit Union CD Rates

0.95%$1k-3 Year Members Preferred CD
0.85%$1k-3 Year CD
0.85%$1k-2 Year Members Preferred CD
0.75%$1k-2 Year CD
0.50%$1k-18 Month Members Preferred CD
0.45%$1k-1 Year Members Preferred CD
0.40%$1k-18 Month CD
0.35%$1k-1 Year CD
0.35%$1k-6 Month Members Preferred CD
0.25%$1k-6 Month CD

Peoples Federal Credit Union IRA Rates

0.95%$1k-3 Year Members Preferred IRA
0.85%$1k-2 Year Members Preferred IRA
0.85%$1k-3 Year IRA
0.75%$1k-2 Year IRA
0.50%$1k-18 Month Members Preferred IRA
0.45%$1k-1 Year Members Preferred IRA
0.40%$1k-18 Month IRA
0.35%$1k-1 Year IRA

Peoples Federal Credit Union Locations
Branch Office419 1st Ave SNitro, WV 25143-2313
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