The State Credit Union
Headquarters
2200 Washington Street East, P.o. B
Charleston, WV 25305
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2024 Overview
General Credit Union Information
The State is an NCUA insured institution located in Charleston, WV. It was founded in 1988 and has approximately $87.26 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67222 |
| Date Established | 1988 |
| Assets | $87.26 million |
| Loans | $52.85 million |
| Deposits | $70.54 million |
| Capital | $15.33 million |
Field of Membership Restrictions
Membership is open to employees of the state of West Virginia, students of West Virginia public universities and colleges, employees of Barbour County Commission and over 80 member groups.
Deposit Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - November 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for The State
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to The State
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are The State branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
The State Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 134.29 | A | View Lobby Hours |
Climate Policy and Initiatives
THE STATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
The State Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of The State. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| The State | U.S. Average |
|---|---|
| 1.55% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, The State had $148,244 in non-current loans and $97,582 in owned assets. To cover these potential losses it had $15,334,809 in net worth and $564,876 in loans loss reserves. That gives it a Texas Ratio of 1.55%.
Net Worth
| The State | U.S. Average |
|---|---|
| 17.57% | 13.93% |
The State FCU has a net worth of 17.57% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for The State
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