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Overview / Commentary
434 E Main St
Kingwood, WV 26537-1722

Preston Federal Credit Union is headquartered in KINGWOOD and is the 31st largest credit union in the state of West Virginia. It is also the 3,090th largest credit union in the nation. It was established in 1978 and as of December of 2017, it had grown to 3 employees and 1,541 members at 1 location. Preston Federal Credit Union's savings rates are 15% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of Preston County Board of Education, Preston County Commission, Bruceton Mills Grocery, City of Kingwood, Preston Machine, Tucker County Board of Education, Valley Fuels, Inc, Preston Memorial Hospital, Total Family Care, members and employees of Wesley United Methodist Church, Kingwood, West Virginia.
See current membership details


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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. Preston Federal Credit Union has a low asset base.

Health Grade Components

NCUA #23015
Year Chartered1978
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD3.19%
Annual Interest Income$599.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$26.0MM$24.7MM
LoansQ4 2017vs Q4 2016$7.5MM$7.7MM
DepositsQ4 2017vs Q4 2016$22.8MM$21.6MM
Equity CapitalQ4 2017vs Q4 2016$3.2MM$3.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$37.00K$44.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$12.00K$153.00K
Real Estate OwnedQ4 2017vs Q4 2016$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.

Preston Federal Credit Union Savings Account Rates

1.20%*$10k*-Traditional IRA
OTHER TIERS: 1.00% Up to $10k
1.20%*$10k*-Roth IRA
OTHER TIERS: 1.00% Up to $10k
1.20%*$10k*-Educational IRA
OTHER TIERS: 1.00% Up to $10k
0.60%*$50k*-Supersaver Account
OTHER TIERS: 0.40% $2,500 - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k
0.25%--Christmas Club
0.25%--Vacation Club
0.25%--Back to School Club
0.20%--Regular Savings

Preston Federal Credit Union Checking Account Rates

0.25%*$2,500*-Share Draft Checking
OTHER TIERS: 0.10% $300 - $2,500

Preston Federal Credit Union CD Rates

1.51%$500-48 Month CD
1.26%$500-36 Month CD
1.00%$500-21 Month CD
0.50%$500-12 Month CD
0.30%$500-6 Month CD

Preston Federal Credit Union IRA Rates

1.51%$500-48 Month IRA
1.26%$500-36 Month IRA
1.00%$500-21 Month IRA
0.50%$500-12 Month IRA
0.30%$500-6 Month IRA

Preston Federal Credit Union Locations
Branch Office434 E MAIN STKINGWOOD, WV 26537-1722

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