State Credit Union is a member-owned financial institution serving the Charleston, West Virginia area. Established as a cooperative model, the organization operates under a framework that emphasizes financial participation and shared ownership among its members. Its history reflects a commitment to providing accessible banking services within a community-oriented structure, adapting to evolving regulatory standards and member needs over time.
The credit union offers core functions typical of cooperative financial institutions, including deposit-taking, loan origination, and various accounts designed to meet everyday financial requirements. It emphasizes prudent risk management, governance by a volunteer board, and a focus on accountability to its members rather than external shareholders. Operationally, the organization maintains branches and support services to facilitate member access, documentation handling, and customer service workflows. Its scope centers on providing financial products and services aligned with member interests, while adhering to applicable laws and established credit union regulations. The entity’s ongoing role is to support member fiscal resilience through cooperative financial practices within the regional market.
Better than 17% of providers in Charleston
In addition to the primary service, State Credit Union also offers:
Other providers in Charleston with similar ratings:
State Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
State Credit Union is listed as a financial service provider in Charleston, WV and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask State Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from State Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare State Credit Union with other providers in Charleston and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
State Credit Union has a rating of 3.1, which is better than 17% of providers in Charleston.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents State Credit Union requests. It is always best to call ahead using the phone number on this page so State Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, State Credit Union also offers: Federal credit union, ATM.