Overview / Commentary
3 Sunset Beach Rd
Morgantown, WV 26508-4431

The United Federal Credit Union is headquartered in Morgantown and is the 8th largest credit union in the state of West Virginia. It is also the 1,663rd largest credit union in the nation. It was established in 1973 and as of December of 2018, it had grown to 23 employees and 7,010 members at 4 locations. The United Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Monongalia & Preston Counties in West Virginia and Fayette County in Pennsylvania.
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. The United Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #21305
Year Chartered1973
Primary Regulator
Profit Margin
Return on Assets - YTD2.15%
Return on Equity - YTD10.16%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$94.3MM$91.0MM
LoansQ4 2018vs Q4 2017$71.7MM$65.0MM
DepositsQ4 2018vs Q4 2017$70.4MM$69.1MM
Equity CapitalQ4 2018vs Q4 2017$19.8MM$17.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$603.00K$452.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.7MM$805.00K
Real Estate OwnedQ4 2018vs Q4 2017$210.00K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The United Federal Credit Union Savings Account Rates

2.02%$25-Student Savings Account
0.60%$25-Youth Savings
0.40%$5-Holiday Club
0.40%$5-Vacation Club
0.35%*$5k*-Emergency Fund
OTHER TIERS: 0.30% $25 - $5k
0.30%$5-IRA Savings
0.20%*$5k*-Share Savings
OTHER TIERS: 0.15% $50 - $5k

The United Federal Credit Union Checking Account Rates

0.25%*$2.5k*-Premium Share Checking
OTHER TIERS: 0.15% $1k - $2.5k

The United Federal Credit Union Locations
Branch Office6610 State Route 819Mount Pleasant, PA 15666-3588
Branch Office585 Morgantown RdUniontown, PA 15401
Branch Office3 Sunset Beach RdMorgantown, WV 26508-4431
Branch Office3467 University Ave Ste 100Morgantown, WV 26505-3051

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