Peoples Federal Credit Union

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A short history of Peoples FCU

Since its inception in 1965 the Peoples Federal Credit Union has been serving its members in the Nitro, West Virginia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Lois Nogoda, the Peoples FCU has grown its membership to over 10,320 with assets of more than $91,740,338. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (304) 722-2274 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Nitro, WV.

General Information For Peoples FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 16993
Address 419 1st Ave S 
City Nitro 
State West Virginia 
Zip-Code 25143
Phone Number (304) 722-2274
Fax Number (304) 722-2285
Email Address:
CEO/President Lois Nogoda
Members 10,320 
Full-Time Employees 28 
Part-Time Employees
Number of Branch Offices
Total Assets 91,740,338 

Compare Peoples Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Kemba Charleston CU Kemba Charleston FCU 1830 Roxalana Rd 25064 (304) 768-5700 No 5.99
West Virginia CU WVFCU 318 5th Ave 25303 (304) 744-7604 No 7.46
South Charleston Employees CU Credit Union Office 515 3rd Ave Ste 200 25303 (304) 720-5600 No 7.76
Charleston Postal CU CHARLESTON POSTAL FCU 1000 CENTRE WAY 25309 (304) 746-5111 No 9.17
Valley Bell CU VALLEY BELL FCU 508 ROANE ST 25302 (304) 344-2511 No 9.91

Peoples Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Peoples Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.43 4.35 4.71 4.58
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 200 246 233 178
Rank Among All West Virginia Credit Unions N/A 18 20 19 10

Peoples Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.11 N/A 0.73 0.67
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 126 N/A 220 202
Rank Among All West Virginia Credit Unions N/A 21 N/A 18 17
Peoples Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 9.7904,9302,109,286
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.4304618,258,939
Used Vehicle Loans 4.3502,28626,808,249
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.71024717,698,269
Total Other Real Estate Loans/Lines of Credit 4.5803255,740,538
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.2903824,010,496
TOTAL LOANS & LEASES 8,63164,625,777

Peoples Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 535,188,6935683,795
    b. 15 Years or less 1747,829,73971,302,561
    a. > 15 years 41,387,3173770,423
    b. 15 Years or less 163,292,5202442,856
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 491,296,19200
Closed-End Adjustable Rate 126,94100
Open-End Adjustable Rate 2754,417,40513273,972
Open-End Fixed Rate 0000
TOTALS 57223,438,807303,473,607


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Peoples Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes