--- title: "Charleston Credit Union Rates (Nov 2026): CDs to 4.25%" description: "Charleston Credit Union rates today: savings & CDs up to 4.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Charleston Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/west-virginia/charleston" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Charleston Credit Union Rates (Nov 2026): CDs to 4.25% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 6.250% | 84 mo · new | Standard | Charleston Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 12.000% | — | Standard | | **Debt Consolidation Loan** personal | — APR | 12.000% | — | Standard | Charleston Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **3-Month Certificate** cd_3mo | 2.07% APY | 2.05% | 3 mo | Standard | | **6-Month Certificate** cd_6mo | 2.12% APY | 2.10% | 6 mo | Standard | | **$10,000 or more 2.20% Div Rate 2.22% APY** savings | 2.20% APY | 2.20% | — | Standard | | **$10,000 or more 2.25% Div Rate 2.27% APY** savings | 2.25% APY | 2.25% | — | Standard | | **CHRISTMAS CLUB** savings | 2.27% APY | 2.25% | — | Specialty offer | | **12-Month Certificate** cd_12mo | 2.27% APY | 2.25% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 2.32% APY | 2.30% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | 2.38% APY | 2.35% | 24 mo | Standard | | **$10,000 or more 2.45% Div Rate 2.48% APY** savings | 2.45% APY | 2.45% | — | Standard | | **$10,000 or more 2.50% Div Rate 2.53% APY** savings | 2.50% APY | 2.50% | — | Standard | | **CD SPECIAL $$$$$ $10,000 or more 4.25% Div Rate 4.33% APY $$$$** cd | 4.25% APY | 4.25% | — | Standard | Charleston Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **2024 MODEL 84 months rate 7.00%* APR 72 months 6.50%* APR** other | — % | 7.000% | — | Standard | Charleston Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/west-virginia/charleston) , verified from [Charleston Credit Union's official website](https://cfcuwv.virtualcu.net/) Loading branch locator… ## About Charleston Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.3K Assets $15.3M Founded 1959 Locations reported 1 NCUA charter 12922 Charter type Federal credit union ### Services and member support - Electronic statements - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Element** Capitol Street · Charleston · WV · 25301 About 0.3 miles away](https://rateapi.dev/credit-unions/west-virginia/element) [**Pioneer Appalachia** Main Office · Charleston · WV · 25301 About 0.6 miles away](https://rateapi.dev/credit-unions/west-virginia/pioneer-appalachia) [**Union Trades** Branch Office · Charleston · WV · 25302-2325 About 1.1 miles away](https://rateapi.dev/credit-unions/west-virginia/union-trades) [**Members Choice WV** Members Choice WV FCU · Charleston · WV · 25302-2209 About 1.2 miles away](https://rateapi.dev/credit-unions/west-virginia/members-choice-wv) [**Star Usa** Star USA - Main Office · Charleston · WV · 25314-1089 About 1.4 miles away](https://rateapi.dev/credit-unions/west-virginia/star-usa) [**The State** 2200 WASHINGTON STREET E · CHARLESTON · WV · 25311-2219 About 1.5 miles away](https://rateapi.dev/credit-unions/west-virginia/the-state) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Charleston Credit Union Membership eligibility from Charleston Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Charleston Credit Union's website. Check the membership page below to confirm whether you qualify. - Location kanawha — WV - Employer Federal employees, The University of Charleston, Charleston Job Corp., Goodwill, Ind., Northern Management Verified from [Charleston Credit Union's membership page](https://cfcuwv.virtualcu.net/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Charleston Credit Union Employers 6 · Family 7 published paths to membership, last verified November 8, 2026, quoted from Charleston Credit Union’s own published criteria. ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of The University of Charleston “The University of Charleston employees” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Employee of The University of Charleston - Employee of Charleston Job Corp. “Charleston Job Corp. employees” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Employee of Charleston Job Corp. - Employee of Goodwill, Ind. - Work Location Federal “Goodwill, Ind. employees who work in the Robert C. Byrd Federal Courthouse” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Employee of Goodwill, Ind. and Works at Federal - Employee of Northern Management - Work Location Federal “Northern Management employees who work in the Robert C. Byrd Federal Courthouse” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Employee of Northern Management and Works at Federal - Employee of Charleston Federal Credit Union “Employees of this credit union” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Employee of Charleston Federal Credit Union - Employee of Federal Employees - Works in county:WV:kanawha - Other “The Federal employees who work in or supervised from Kanawha County (except for Postal employees, IRS employees and employees of the Dept. of Health, Education and Welfare)” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Employee of Federal Employees and Works in Kanawha County, WV — except: Postal employees, IRS employees and employees of the Dept. of Health, Education and Welfare ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of someone eligible immediate family “Members of their immediate families and organizations of such persons.” > [source ↗](https://cfcuwv.virtualcu.net/membership/) - Family member (immediate family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Charleston Credit Union? Yes No ## Work at Charleston Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Charleston Credit Union ranks against West Virginia peers. - See which AI assistants fetched Charleston Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in West Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=charleston&state=west-virginia&code=WV&name=Charleston%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Charleston Credit Union offer? Charleston Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Charleston Credit Union rates updated? RateAPI verifies Charleston Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Charleston Credit Union's rate data? Rate data is collected directly from Charleston Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Charleston Credit Union's best CD rate? As of November 12, 2026, Charleston Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join Charleston Credit Union? Charleston Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 6 employers for Charleston Credit Union, each quoted from Charleston Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Charleston Credit Union's rates against national credit-union benchmarks. [More West Virginia credit unions](https://rateapi.dev/credit-unions/west-virginia) [West Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/west-virginia) [West Virginia personal loan leaders](https://rateapi.dev/personal-loan-rates/west-virginia) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://cfcuwv.virtualcu.net/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Charleston Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when West Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Charleston Credit Union curl "https://api.rateapi.dev/credit-unions/west-virginia /charleston " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Charleston Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/west-virginia/charleston Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp