Question 1

What is Metro Community Federal Credit Union (MCFCU)?

Accepted Answer

Metro Community Federal Credit Union (MCFCU) is a community-chartered federal credit union serving the Huntington, West Virginia area. With approximately $47.6 million in assets and over 4,600 members, MCFCU provides comprehensive financial services to individuals and families in the region.

The credit union operates under federal charter number 8791 and holds a low-income designation, reflecting its commitment to serving underserved communities. As a member-owned cooperative financial institution, MCFCU focuses on providing accessible banking services with competitive rates and personalized member service.

Question 2

When was Metro Community Federal Credit Union (MCFCU) founded?

Accepted Answer

[Information not publicly available]

While the specific founding date of Metro Community Federal Credit Union is not readily available in public records, the credit union has been serving the Huntington, West Virginia community for many years under its federal charter 8791 issued by the National Credit Union Administration (NCUA).

Question 3

Where is Metro Community Federal Credit Union (MCFCU) headquartered?

Accepted Answer

Metro Community Federal Credit Union is headquartered at 215 18th Street in Huntington, West Virginia 25703. The main office is located in downtown Huntington, providing convenient access to members in the greater Huntington metropolitan area.

The credit union's mailing address is P.O. Box 5438, Huntington, WV 25703, and members can reach the main office at (304) 697-4652.

Question 4

Where does Metro Community Federal Credit Union (MCFCU) operate?

Accepted Answer

Metro Community Federal Credit Union primarily operates in the Huntington, West Virginia area and surrounding communities in the tri-state region. The credit union maintains two branch locations:

Main Branch: 215 18th Street, Huntington, WV 25703 (open Monday-Friday, 8:00 AM to 5:00 PM)

Lavalette Branch: 4753 WV-152, Lavalette, WV 25535 (open Monday-Friday, 8:30 AM to 5:30 PM)

As a community-chartered federal credit union, MCFCU serves individuals who live, work, worship, volunteer, or attend school within its designated service area. The credit union also offers ATM access through the Alliance One network, providing members with surcharge-free ATM access at participating locations nationwide.

Question 5

What services does Metro Community Federal Credit Union (MCFCU) offer?

Accepted Answer

Metro Community Federal Credit Union provides a comprehensive range of financial products and services designed to meet the needs of its members:

Deposit Accounts: Share savings accounts, checking accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs).

Lending Products: Auto loans (new and used vehicle financing, refinancing), home loans, personal loans, and Visa credit cards.

Digital Banking Services: Online banking with secure account access, mobile banking app with remote check deposit, bill pay services, account transfers, and secure messaging. The credit union employs advanced encryption technology to protect member information.

Additional Services: ATM/debit cards with Alliance One network access for surcharge-free withdrawals nationwide, and online loan applications for convenience.

The credit union emphasizes quick and straightforward application processes, allowing members to apply for membership and loans online, by phone, or in person at branch locations.

Question 6

What makes Metro Community Federal Credit Union (MCFCU) unique?

Accepted Answer

Metro Community Federal Credit Union distinguishes itself through several key characteristics:

Low-Income Designation: MCFCU holds an NCUA low-income designation, demonstrating its commitment to serving underserved populations and providing financial access to communities that may face economic challenges.

Community Focus: As a locally-based credit union, MCFCU maintains strong ties to the Huntington area and prioritizes personalized service and community relationships over profit maximization.

Accessible Financial Services: The credit union offers competitive rates on loans and deposits, with an emphasis on making financial products accessible to all members regardless of their economic background.

Convenient Access: Through participation in the Alliance One ATM network, members can access their accounts at thousands of surcharge-free ATMs across the United States, extending the credit union's reach beyond its physical branch locations.

Member-Owned Structure: As a cooperative institution, MCFCU is owned by its members, meaning earnings are returned to members through better rates and lower fees rather than being distributed to outside shareholders.

Question 7

What type of financial institution is Metro Community Federal Credit Union (MCFCU)?

Accepted Answer

Metro Community Federal Credit Union is a federal credit union, chartered and regulated by the National Credit Union Administration (NCUA) under charter number 8791. This federal charter allows the credit union to serve a defined community field of membership.

As a credit union, MCFCU operates as a not-for-profit cooperative financial institution owned by its members. Unlike traditional banks, credit unions exist to serve their members rather than generate profits for shareholders. Each member has an equal vote in credit union governance, regardless of account balance.

Membership Requirements: Individuals are eligible to join MCFCU if they live, work, worship, volunteer, or attend school within the credit union's community charter area in the Huntington, West Virginia region. Family members of existing members may also be eligible for membership.

Federal Insurance: Member deposits are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), which is administered by the NCUA and backed by the full faith and credit of the United States government—providing the same level of protection as FDIC insurance at banks.

Metro Community Federal Credit Union (MCFCU)

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About Metro Community Federal Credit Union (MCFCU) in the United States