Featured Savings Rates
Featured Accounts

The State Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.30%1-year CD12 Month CD
0.10%SavingsInvestor Savings
0.50%2-year CD24 Month CD

Overview / Commentary
2200 WASHINGTON ST E
CHARLESTON, WV 25311-2219

The State Credit Union is headquartered in CHARLESTON and is the 14th largest credit union in the state of West Virginia. It is also the 2,074th largest credit union in the nation. It was established in 1988 and as of December of 2015, it had grown to 12 employees and 9,195 members at 1 location. The State Credit Union has a B+ health rating.

Field of Membership Restrictions

The Field of membership for this Credit Union will be those having the following common bond: Employees of the state of West Virginia.. Eligible employees of other political subdivisions of the state of West Virginia's Public Employees Retirement System and/or PEIA as defined in the West Virginia Public Employees Retirement Act. Employees of county boards of education of the state of West Virginia. Retired employees of the state of West Virginia. Employees of this Credit Union. Students at public universities and colleges. Members of their immediate families, and Organizations of such persons.
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Health
B+
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. The State Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67222
Year Chartered1988
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD8.59%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$61.7MM$59.6MM
LoansQ4 2015vs Q4 2014$34.3MM$33.7MM
DepositsQ4 2015vs Q4 2014$53.2MM$51.7MM
Equity CapitalQ4 2015vs Q4 2014$8.2MM$7.5MM
Loan Loss AllowanceQ4 2015vs Q4 2014$425.00K$394.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$299.00K$136.00K
Real Estate OwnedQ4 2015vs Q4 2014$44.00K$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.

The State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.36%--Christmas Savings
0.25%*$20k*-Regular Share Savings
OTHER TIERS: 0.05% $100 - $2,500 | 0.10% $2,500 - $5k | 0.15% $5k - $10k | 0.20% $10k - $20k
0.10%--Vacation Savings
0.10%--Investor Savings

The State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1,500-Share Checking

The State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-24 Month CD
0.30%$500-12 Month CD
0.25%$500-6 Month CD
0.20%$500-91 Day CD

The State Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-24 Month IRA
0.30%$500-12 Month IRA
Locations


The State Credit Union Locations
Branch Office2200 WASHINGTON ST ECHARLESTON, WV 25311-2219