The State Credit Union

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A short history of The State CU

Since its inception in 1988 the The State Credit Union has been serving its members in the CHARLESTON, 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 BRENT GRAY, the The State CU has grown its membership to over 8,791 with assets of more than $66,877,663. They have a main office and 0 branch offices. Please see the credit unions website or contact them by phone at (304) 558-0566 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CHARLESTON, WV.

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

Charter Number 67222
State West Virginia 
Zip-Code 25305
Phone Number (304) 558-0566
Fax Number (304) 558-0137
Email Address: none
Members 8,791 
Full-Time Employees 12 
Part-Time Employees
Number of Branch Offices
Total Assets 66,877,663 
Website http://WWW.WVPECU.ORG 

Compare The State Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Camc CU CAMC Federal Credit Union 3400 MacCorkle Ave SE 25304 (304) 388-5700 No 0.82
Element CU Charleston 350 Capitol St Rm 156 25301 (304) 721-4145 No 0.82
Cha-tel CU Cha Tel 1500 Maccorkle Ave SE 25314 (304) 344-3330 No 0.94
Local No. 317 I.a.f.f. CU Main Branch 205A Tennessee Ave 25337 (304) 345-9790 No 1.13
Pioneer West Virginia CU Guyandotte 416 Main St 25702 (304) 348-6648 No 1.14

The State Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

The State 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 15.00 2.99 3.99 4.99 6.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 521 145 202 267 430
Rank Among All West Virginia Credit Unions 22 13 15 23 26

The State Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.15 N/A 0.30 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 119 N/A 302 259
Rank Among All West Virginia Credit Unions 8 19 N/A 33 24
The State Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 15.000598684,401
All Other Unsecured Loans/Lines of Credit 12.0001,0552,139,760
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.9903425,774,417
Used Vehicle Loans 3.9908609,349,733
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.99030918,280,290
Total Other Real Estate Loans/Lines of Credit 6.990240,190
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.00060359,153
TOTAL LOANS & LEASES 3,22636,627,944

The State 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 1238,81500
    b. 15 Years or less 1495,252,65814596,244
    a. > 15 years 554,518,6718511,107
    b. 15 Years or less 1038,199,142211,884,382
Other Fixed Rate 171,00400
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 240,19000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 31118,320,480432,991,733


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

The State Credit Union Member Offerings
First Time Homebuyer Program No
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 No
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes