America has always had a public sector because citizens pay taxes to create revenue used for the common good. The public sector is what makes a democracy work and it is what makes a citizen and not a peasant. Peasants pay taxes to the rich who then decide what they want your taxes to support. A citizen pays taxes to support City Hall and all the public agencies that support public services.
The 1% want all revenue coming to them and then to act as patrons. Republicans have always wanted to get rid of the public sector and in fact in republican states like Texas 'public' is even being taken off of libraries.
THERE IS A WAR ON THE PUBLIC SECTOR AS NEO-CONS AND NEO-LIBERALS WANT CORPORATIONS AND THE RICH TO BE PATRONS AND NOT TAXPAYING CITIZENS AND ENTITIES.
In the middle-ages and Renaissance the Medici's received all the taxes and then patronized their pet projects. The Catholic Church took care of the masses. So, churches were the public sector and controlled all public services. When people were made citizens after the European revolutions and in America, after the Revolutionary War....citizens controlled the taxes and decided how to use them and church and state were made separate for that reason. CHURCH AND STATE ARE SEPARATE BECAUSE THAT IS WHAT THE US CONSTITUTION SAYS AND IT SAYS THAT BECAUSE CITIZENS ARE TO CONTROL THE PUBLIC SECTOR.
States like Texas and Maryland are pretending we are in the times of Medici and the public sector is no longer needed as private non-profits run by corporations and the churches take all public functions. THEY ARE TRYING TO KILL DEMOCRACY AND EQUAL PROTECTION/CITIZENS RIGHTS. Today, I would like to look at why this is not good for you and me. I do not dislike religion or churches, I simply want separation of Church and State enforced. I do not dislike unions......I fight for them......but unions should not be given privileges of the public sector unless they are public sector unions. Finally, public sector unions must be using union dues for the benefit of their members and not supporting the agenda of the 1%.
TODAY I WANT TO LOOK AT CREDIT UNIONS BECAUSE THEY ARE BEING USED FOR COMPLETELY DIFFERENT REASONS THEN ORIGINALLY WRITTEN AND AGAIN, IT IS THE 1% DISTORTING AN AGENCY MEANT TO SUPPORT THE LOW-INCOME SECTOR.
When Elizabeth Warren shouts that the Post Office needs to be made into public banks......doing what credit unions were originally meant to do.....rather than shout the need for controls on existing credit unions.....is she really working to save the Post Office? Well, I say that the FHA and the Federal Student Loan agencies that once worked perfectly for people are both blown up by the 1% because of the same policies......making a public private partnership of public agencies and then filling them with fraud and corruption. Student loan fraud and subprime mortgage fraud blew up two great public agencies and that is what making Post Office a public bank will do to the Post Office.
WE DO NOT NEED THE POST OFFICE TO SURVIVE AS A PUBLIC BANK....IT WILL SURVIVE BY SIMPLY BEING ALLOWED TO DO ITS JOB. WE NEED A PUBLIC BANK THAT IS SEPARATE FROM EXISTING AGENCIES AND WE NEED CREDIT UNIONS TO BE TAKEN BACK TO BEING CREDIT UNIONS AND NOT WALL STREET BANKS AS THEY ARE BEING USED NOW!
Let's take a look at the distorted state of credit unions:
Federal Credit Union Act Federal Credit Union Act
The Federal Credit Union Act (FCUA) is the source of authority for all federally chartered credit unions and governs the coverage and terms of insured accounts at all federally insured credit unions. It also determines the structure and duties of NCUA. The Congress of the United States found the following, and embodied the same in the Federal Credit Union Act of 1934 (Amended):
The American credit union movement began as a cooperative effort to serve the productive and provident credit needs of individuals of modest means.
Credit unions continue to fulfill this public purpose, and current members and membership groups should not face divestiture from the financial services institution of their choice as a result of recent court action.
To promote thrift and credit extension, a meaningful affinity and bond among members, manifested by a commonality of routine interaction, shared and related work experiences, interests, or activities, or the maintenance of an otherwise well understood sense of cohesion or identity is essential to the fulfillment of the public mission of credit unions.
Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because they are member-owned, democratically operated, not-for-profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means.
Improved credit union safety and soundness provisions will enhance the public benefit that citizens receive from these cooperative financial services institutions.
The entire text of the Act is here: The Federal Credit Union Act (Revised April 2013)
Summary: H.R.2572 — 113th Congress (2013-2014) There is one summary for this bill.
Bill summaries are authored by CRS.
Introduced in House (06/28/2013) Regulatory Relief for Credit Unions Act of 2013 - Amends the Federal Credit Union Act to authorize the National Credit Union Administration Board (NCUAB), if it determines that a regulation issued by the Consumer Financial Protection Bureau (CFPB) would create an undue hardship when applied to credit unions, to: (1) delay the regulation's application to credit unions until the NCUAB determines that it would not create an undue hardship; and (2) modify the regulation as it applies to credit unions, so long as the modification meets CFPB's objective in issuing the regulation.
Authorizes a federal credit union to apply for NCUAB permission to comply with a state law applicable to a state credit union in lieu of applicable federal regulation (if any), for purposes of the credit union's branches located in that state. Limits such permission only to the state for which permission is given. Prohibits a federal credit union from complying with the regulation in any other state in lieu of the applicable federal regulation.
Prohibits a federal credit union, however, from applying for permission to comply with state law if it would conflict with federal limitations on member business loans.
Requires the NCUAB to: (1) implement a two-tier system of net worth ratios for credit unions, consisting of a risk-based net worth ratio and a net worth capital ratio; and (2) establish standards for leverage ratios to the same extent as are provided for net worth ratios.
Redefines net worth to include components of equity under generally accepted accounting principles not included in retained earnings.
Increases the net worth ratios for well-capitalized, adequately capitalized, undercapitalized, and significantly undercapitalized credit unions.
Directs the NCUAB to design the risk-based net worth requirement to account for material risks applicable to insured credit unions that are taken account of by comparable standards applicable to institutions insured by the Federal Deposit Insurance Corporation (FDIC).
Prohibits the NCUAB from reclassifying an insured credit union into a lower net worth category due solely to interest rate risk, or treat an insured credit union as if it were in a lower net worth category, for reasons not pertaining to its safety and soundness.
Exempts from the requirement of a net worth restoration plan any credit union undercapitalized as a result of a major natural or man-made disaster.
Eliminates the requirement that an insured credit union that is not well-capitalized set aside an earnings-retention amount annually. Authorizes the NCUAB to require an insured credit union that is not well-capitalized, instead, to submit a net worth restoration plan.
Directs the NCUAB to study problems associated with the current prompt corrective action regime.
Amends the Consumer Financial Protection Act of 2010 to require each regulation issued by the NCUAB and the CFPB to include a cost-benefit analysis detailing the estimated cost of compliance compared to its measurable benefit.
Directs the Comptroller General (GAO) to study whether improvements or modernization is needed for the Central Liquidity Facility.
Permits a federal credit union to: (1) purchase and hold for its own account investment grade securities, not exceeding 10% of its total assets; and (2) purchase mortgage servicing rights as an investment, including mortgage servicing rights from other credit unions.
Modifies NCUAB authority to define the extent of share insurance coverage for member accounts where a member holds funds for the use of a nonmember. Requires coverage for an account established by a member to be consistent with FDIC coverage, regardless of the membership status of the owner of funds deposited in an account established by a member.
Amends the Consumer Financial Protection Act of 2010 to authorize a federal banking agency, when it determines that a CFPB regulation would create an undue hardship upon a depository institution the agency regulates, to: (1) delay the regulation's application until the application would not create an undue hardship, and (2) modify the regulation so long as the modification meets the CFPB objective in issuing the regulation.
Requires that: (1) each CFPB regulation applicable to a depository institution include a cost-benefit analysis comparing the estimated cost of compliance with the regulation's measurable benefit, and (2) any information provided by a depository institution for purposes of that analysis be voluntary.
When you have individual entities like Johns Hopkins creating their own banking system for selected members while they are working Wall Street with all of the fraud and corruption bringing the economy to a crash.....you are creating a separate system of winners and losers.
Federal and State Credit Unions were established to be the banking for low-income people so why do we have the system we have now? THINK OF THE FHA AND THE STUDENT LOAN PROGRAM THAT WAS ALWAYS MEANT TO HELP LOW-INCOME AND BECAME CORRUPTED BY PUBLIC PRIVATE PARTNERSHIPS AS WE SEE NOW IN THE CREDIT UNION BANKING INDUSTRY.
Congress passed in 2009 the right of credit unions to use predatory lending interest rates as a course of business.
As you see below this Act extends the ability of these corporate Credit Unions to act as banks and invest large amounts of leveraged funds just as Wall Street does. It also protects these credit unions from the actions of the Consumer Financial Protection Bureau.....more importantly is that is creates tiered equity in categorizing what is supposed to be a low-income banking system. THE ENTIRE CREDIT UNION STRUCTURE HAS BEEN CORRUPTED JUST AS WITH FREDDIE AND FANNIE AND SALLY MAE. AND NO TAXES PAID BECAUSE OF THE CLASSIFICATION OF CREDIT UNIONS......FEDERALLY INSURED THOUGH!
We see the distortion in how these entities do not pay taxes while they contribute to private non-profits that are doing the work of the public sector starved of corporate tax revenue. Meanwhile, the money invested by these credit unions are going to fund all of this corporate development that everyone hates and actually hurts the economy of the city/state!
Why Don't Credit Unions Pay Taxes?
By Justin PritchardDecember 28, 2010
Credit unions seem just like banks, but there are a few differences.
A major difference (and a criticism that banks regularly raise) is that credit unions don't pay taxes -- they're not-for-profit organizations. Why do they qualify for this treatment?
The Financial Brand discusses credit unions' tax-exempt status in a recent posting. If you're curious, you can find out why credit unions get a tax break. You'll even learn about a few misconceptions, such as the claim that credit unions get a tax break because they're "member owned."
The takeaway seems to be that credit unions have an advantage because they contribute to society in ways that Congress wants to encourage. OH REALLY???????
The tax code is not just about taking your money, it's also designed to promote and discourage certain types of behavior.
As you see below Johns Hopkins is a bank.....it operates just like a bank and it uses the deposits to this bank to invest in development here in Maryland and Baltimore often to its own corporate expansion here and overseas. HOPKINS IS A CORPORATION AND THIS FEDERAL CREDIT UNION IS NOT NON-PROFIT NOR FEDERAL.
Hopkins 'Credit Union' is advertizing for other SELECTED BUSINESSES to join in this 'credit union' that is in fact a bank. You do not see which businesses are the selected ones.....but you can assume that this is an entire infrastructure of banking in the city that circumvents regulatory law for banking and it is all done tax free.
Offer the Credit Union Benefit to Your Employees Fringe benefits help you attract and retain good employees in today’s competitive employment market and one benefit that provides great value at little or no cost to you is credit union membership for your employees!
Credit unions are not-for-profit financial institutions that tend to offer the same services to consumers as banks, but usually with lower fees and better rates. Individuals who open accounts are members, not"customers," and become part owners of the credit union. A member volunteer Board of Directors, sets policies and helps determine the strategic direction of the Credit Union.
The Johns Hopkins Federal Credit Union (JHFCU) is a full-service financial institution founded in 1971 to serve the Johns Hopkins University employees. Since then, the organization has expanded and today provides members with economical financial services like free checking, free online bill payment with direct deposit*, high-rate savings accounts, low-rate loans, and a convenient, flexible ATM program that includes access to more than 26,000 surcharge-free ATMs!
*JHFCU’s Online Bill Payment service is free with direct deposit provided you pay at least one bill per month. Accounts that become inactive or do not have direct deposit will be charged the monthly fee of $4.95. You must have a JHFCU Checking account to use the bill payment service.
Become a Select Employee Group (SEG) As a business partner, your company can begin to reap the same great benefits that many other Johns Hopkins affiliates have come to value with the Johns Hopkins Federal Credit Union.
How to Get Started 1. Send the following information to our Business Development Specialist by mail or e-mail:
- Company name
- Approximate number of employees
- Brief description of what your organization does
- Website URL (if available)
- Company mailing address
- Your name, title, phone number, best time to call, and e-mail address
3. Due to NCUA regulations, the approval time of your application may vary.
Direct Deposit to JHFCU JHFCU members with direct deposit receive many discounts and extra benefits, so we encourage all members to elect direct deposit of their net pay to the Credit Union. If your company offers direct deposit, we ask you to offer direct deposit to JHFCU. JHFCU provides the option of being able to allocate employees’ pay into various accounts (e.g., savings, checking, holiday club) automatically, at no charge, to provide convenient money management.
To sign up for direct deposit, your employees will need our routing number (252076235), their 9-digit JHFCU account number, and will need to indicate whether the net pay should be deposited to checking or savings. If they wish to “split” funds between accounts within JHFCU, they can use our ACH Payroll Deduction Form (PDF).
Current Resources for SEGs Already Being Served by JHFCU At JHFCU we realize that you will need support from us time to time. The information below is intended to be your online resource center. What Is Your Role? The first step in a successful partnership is to make Credit Union services available to your employees. Then we ask that you take an active role in the relationship. We will provide materials and make site visits at your request and convenience. We also ask that you let us know what you need, and help us communicate the Credit Union benefit to your employees.
What Are Your Resources? JHFCU is happy to supply materials and provide support. Just contact your Business Development Representative at the number below, or you can print the following for immediate use.
SEG Representative Tools
- Membership Application
- Custodial Application
- Payroll Deduction Form
- Current Deposit Rate Sheet
- Current Loan Rate Sheet
- Fee Schedule
Business Development Specialist
2027 E. Monument St
Baltimore, MD 21287
If you look below at the MECU of Baltimore it is tied with Baltimore Development Corporation and we all know that citizens of Baltimore lose more public money with this corporate public private partnership. All money invested in these development projects are tied to Wall Street leverage, captured public revenue, and development that is killing the communities many of these municipal employees live.
ERGO.....MECU DOES NOT WORK IN THE PUBLIC INTEREST AND TIES LOW-INCOME PEOPLE'S ACCOUNTS TO LEVERAGE THAT WILL TANK IN AN ECONOMIC COLLAPSE.
I have not yet investigated MECU but everyone with whom I speak use the words corruption when speaking of the organization and Bert Hash. This is a distorted structure for low-income banking....the money is going to fund all of the corporate/affluent downtown development while MECU uses Catholic Charities as its social contribution. We like the Daily Bread, but investing in low-income communities before people become homeless would be real social contributions. Also, Catholic Charities is of course doing the business often of the public sector that would hire and employ these people impoverished from lack of work. So, using public employee money to fund an organization that is increasingly taking all of the public sector work......
REMEMBER, IT WAS THE CATHOLIC CHURCH THAT IN THE MEDIEVAL DAYS THAT SERVED AS LORD OF THE MASSES WITH THE MEDICI'S HAVING THE WEALTH. I am not against any religion but I know the value of the public sector and the ability of communities to decide how to allocate money rather than a private non-profit that makes those decisions for you. THAT IS WHAT SEPARATION OF CHURCH AND STATE IS ABOUT.
I went to look at the financial statement for MECU and the file was unavailable. It states that its members earned a few million in profits on what I think is a lot of investment.
BOARD MEMBER OF BALTIMORE DEVELOPMENT CORPORATION.
Mr. Bert J. Hash, Jr.
President & CEO
Municipal Employees Credit Union of Baltimore, Inc. (MECU)
Founded in 1936, Municipal Employee Credit Union (MECU) of Baltimore, Inc. served the Baltimore Community. Anyone who lives, works, worships, attends school in Baltimore City or is an employee of one of our credit union partners, is eligible to become a member of MECU.
MECU is known as the home of great rates with consistently lower rates on loans and higher rates on deposits than other financial institution in our market. MECU has also returned value to its members as an annual cash bonus every year since 1981. In 2010, MECU returned $4.25 million to its members.
MECU is commited to serving its community and making it a better place to live. All employees participate in community outreach projects that serve organizations ranging from Our Daily Bread to Sandtown Habitat for Humanity. MECU employees are also among the highest contributors to the Combined Charities Campaign.
The increased poverty in Baltimore is created by the elimination of the public sector and all of its oversight making for a predatory fraud and corruption third world governance. So, we do not want charities becoming our public sector......good paying jobs paid for with what should be corporate tax revenues!
Combined Charity Campaign
If you are a Baltimore City employee or retiree you can support the work of Catholic Charities through the Combined Charity Campaign. By designating your gift to Catholic Charities, or one of our programs, you will be supporting the life-changing work of Maryland's largest private provider of human services, while also helping to achieve your employer's campaign goals.
With a staggering increase in the demand for services and the complex nature of those demands, your support is critical. Our extensive breadth of services are a lifeline for people facing hardship. Catholic Charities helps meet the urgent needs of our most vulnerable neighbors while providing a continuum of care, which takes people from crisis to self-sufficiency, and improves the lives of more than 160,000 Marylanders in need each year.
Through the Maryland Charity Campaign you can support the work of Catholic Charities and these Catholic Charities programs serving Maryland's most vulnerable:
Catholic Charities of Baltimore, Designate #8111
Our Daily Bread Employment Center Fund, Designate #7982
My Sister's Place Women's Center Fund, Designate #7977
Sarah's House Fund, Designate #7983
If you look below you see one state......West Virginia and all of the businesses allowed the categorization.......Federal Credit Union. The reason I look into this is that in Baltimore, our global corporation Johns Hopkins has a Federal Credit Union.....banking done tax free for all its employees world-wide. It is their own corporate bank and they pay no taxes and use all the money deposited for investments in the stock market. This is what the US Post Office will become if it is left to become a bank in order to support its business of simply delivering mail.
As a union supporter I want union members to have benefits but do they qualify as Federal Credit Unions? NO PRIVATE UNIONS ARE NOT SUPPOSED TO BE FEDERAL CREDIT UNIONS! PRIVATE UNIVERSITIES ARE NOT SUPPOSED TO BE FEDERAL CREDIT UNIONS ESPECIALLY WHEN THEY ARE NOW CORPORATIONS. We are now having to question whether state universities now made into corporations earning profit from research can be Federal or State Credit Unions!
Public School systems being privatized with private charter chains called 'public'.......ARE NOT PUBLIC AND SHOULD NOT HAVE FEDERAL OR STATE CREDIT UNIONS! Public hospitals that are now working for profit......NOT ELIGIBLE.
FEDERAL AND STATE EMPLOYEES SHOULD HAVE A FEDERAL AND STATE CREDIT UNION THAT ALLOWS THEM TO BANK TAX-FREE. That is what public banking is all about. So, do we need the Post Office doing public banking when we simply need to use RULE OF LAW TO GET THOSE AGENCIES NOT IN THE BUSINESS OF PUBLIC BANKING OUT OF IT? Wait.......the Post Office has a Federal Credit Union!!!!!
Division of Financial Institutions > Banking > Institutions > Federal Credit Unions Federal Credit Unions "CWV
Tel CWV Tel"Clarksburg, Phone: (304) 623-6879 83 Plumbers & Steamfitters Federal Credit UnionWheeling, Phone: 304-232-0181167TH TFR Federal Credit UnionMartinsburg, Phone: 304-267-2944Alderson FCIAlderson, Phone: 304-445-2901Alloy Federal Credit UnionAlloy, Phone: 304-779-2773Applachian Power Employees Federal Credit UnionHuntington, Phone: 304-696-1399Atlantic Greyhound Federal Credit UnionCharleston, Phone: 304-344-3605Bayer Heritage Federal Credit UnionProctor, Phone: 304-455-4029Berkeley County Public School Federal Credit UnionMartinsburg, Phone: 304-263-0902Bluefield Municipal Employees Federal Credit UnionBluefield, Phone: 304-327-2401Cabway Telco Federal Credit UnionHuntington, Phone: 304-522-7752CAMC Federal Credit UnionCharleston, Phone: 304-388-5700Capital Federal Credit Union(merged with 167th FCU in 2010)Martinsburg, Phone: 304-267-1544CCMH Federal Credit UnionParkersburg, Phone: 304-424-2255Charleston Federal Credit UnionCharleston, Phone: 304-347-3393Charleston Newspapers Federal Credit Union (merged w/Members Choice WV FCU 6/18/11)Charleston, Phone: 304-348-4891Charleston PostalCharleston, Phone: 304-746-5111CHA-TEL Federal Credit UnionCharleston, Phone: 304-344-3330CHHE Federal Credit UnionHuntington, Phone: 304-526-2097City of Clarksburg Federal Credit UnionClarksburg, Phone: 304-624-1678City of Fairmont Federal Credit UnionFairmont, Phone: 304-366-4200Clarksburg Area Postal Employees Federal Credit UnionClarksburg, Phone: 304-623-4794Eagle Can Employees Federal Credit UnionWellsburg, Phone: 304-737-9865Eastern Panhandle Federal Credit UnionMartinsburg, Phone: 304-263-2887Element Federal Credit Union (formerly WV United FCU, changed 10/16/2012)Charleston, Phone: 304-721-4145Fairmont Federal Credit UnionFairmont, Phone: 304-363-5320Fayette Federal Credit UnionMount Hope, Phone: 304-877-5405FCU_NameFCU_City, Phone: FCU_PhoneFirst Choice America Community FCUWeirton, Phone: 304-748-8622First Priority FCUHuntington, Phone: 304-522-9450Hancock School Federal Credit UnionWeirton, Phone: 304-723-5605Harrison County Federal Credit UnionNutter Fort, Phone: 304-622-3780Hope Federal Credit UnionClarksburg, Phone: 304-623-8077Huntington C & O Railway Employees FCUHuntington, Phone: 304-522-7998Huntington West VA Fire Federal Credit UnionHuntington, Phone: 304-523-8321Huntingtonized Federal Credit UnionHuntington, Phone: 304-528-2400IBEW 141 Federal Credit UnionWheeling, Phone: 304-277-2201IBEW 317 Federal Credit UnionHuntington, Phone: 304-522-4871IBEW 466 Federal Credit UnionCharleston, Phone: 304-344-0390IBEW 968 Federal Credit UnionParkersburg, Phone: 304-424-6666Kemba Charleston Federal Credit UnionDunbar, Phone: 304-768-5700Logan County School Employees Credit UnionLogan, Phone: 304-752-1513Long Reach Federal Credit UnionFriendly, Phone: 304-652-8363Mail Pouch FCU ceased operation 6/30/2013 merged w/First Choice America Community FCU 7/1/2013Wheeling, Phone: 304-233-9227Marion County School Employees Credit UnionFairmont, Phone: 304-366-2390Marshall County Federal Credit UnionMoundsville, Phone: 304-843-1179Martinsburg VA Center Federal Credit UnionKearneysville, Phone: 304-263-3454McDowell County Federal Credit UnionWelch, Phone: 304-862-3144Members Choice Federal Credit UnionCharleston, Phone: 304-346-5242Mercer County WV Teachers Credit UnionBluefield, Phone: 304-325-9753Metro Community Federal Credit UnionHuntington, Phone: 304-697-4652Mildred Mitchell-Bateman Federal Credit UnionHuntington, Phone: 304-525-7801Mingo County Education Federal Credit UnionWilliamson, Phone: 304-235-7152Monroe County School Employees Credit UnionUnion, Phone: 304-772-5127Morgantown AES Federal Credit UnionMorgantown, Phone: 304-599-9600Mountain Heritage Federal Credit UnionParkersburg, Phone: 304-424-7256Mountain Valley Federal Credit UnionNitro, Phone: 304-755-7393National Employees Federal Credit UnionBluefield, Phone: 304-325-9753Natrium Employees Federal Credit UnionProctor, Phone: 304-455-6719Novamont EmployeesKenova, Phone: 304-453-5935O. F. Toalston Federal Credit UnionLogan, Phone: 304-792-2356Ohio County Public School Federal Credit UnionWheeling, Phone: (304) 243-0499One Community Federal Credit UnionParkersburg, Phone: 304-485-4066PACE Federal Credit UnionHuntington, Phone: 304-399-5772People's Federal Credit UnionNitro, Phone: 304-722-2274Pioneer West Virginia FCUCharleston, Phone: 304-348-6648Preston Federal Credit UnionKingwood, Phone: 304-329-2522Putnam School Employees Federal Credit UnionEleanor, Phone: 304-586-3900Raleigh County Educators Federal Credit UnionBeckley, Phone: 304-256-4600Raleigh County Federal Credit UnionBeckley, Phone: 304-253-6279Randolph County School Employees Federal Credit UnionElkins, Phone: 304-636-9150Ravenswood Federal Credit UnionRavenswood, Phone: 304-273-6100RMH Federal Credit Union(merged into Bayer Heritage FCU effective 6/30/12)Glen Dale, Phone: 304-845-3211Romney Federal Credit UnionRomney, Phone: 304-822-3116South Berkeley FCU(merged into Bayer Heritage FCU 10/1/12)Martinsburg, Phone: 304-263-8899South Charleston Employees Federal Credit UnionSouth Charleston, Phone: 304-720-5600Star USA Federal Credit UnionCharleston, Phone: 304-357-2319Steel Crete Employees FCU(merged with Tin Mill EmployeesFCU 3/1/13)Weirton, Phone: 304-394-5930Strip Steel Community Federal Credit UnionWeirton, Phone: 304-748-6622Teamsters Local 697 Federal Credit UnionWheeling, Phone: 304-232-9840Telbec Federal Credit UnionBeckley, Phone: 304-255-9815The Mac Federal Credit Union(merged with Pioneer FCU 5/2011)South Charleston, Phone: 304-766-3415The United Federal Credit UnionMorgantown, Phone: 800-458-3712Tin Mill Employees Federal Credit UnionWeirton, Phone: 304-748-5811Tri AG WV Federal Credit UnionMorgantown, Phone: 304-292-3798Tri-State Federal Credit UnionHuntington, Phone: 304-526-1047Trivantage Community Federal Credit UnionHuntington, Phone: 304 697-2300Twin Oaks Federal Credit UnionApple Grove, Phone: 304-576-4056U S Employees Federal Credit UnionFairmont, Phone: 304-366-0910Union Trades Federal Credit UnionParkersburg, Phone: 304-485-1421United Hospital Center Federal Credit UnionBridgeport, Phone: 304-624-2517Universal Federal Credit UnionHuntington, Phone: 304-697-2919Valley Bell Federal Credit UnionCharleston, Phone: 304-344-2511Valley Board Federal Credit UnionHalltown, Phone: 304-725-2076W VA Arng Technicians(changed name 7/2010 to WV Nat'l Guard FCU)Charleston, Phone: 304 561-6301WAYCOSE Federal Credit UnionHuntington, Phone: 304-429-1213WEE Federal Credit UnionParkersburg, Phone: 304-420-9663West Virginia Federal Credit UnionSouth Charleston, Phone: 304-744-7604Wheeling Pittsburgh Steel Federal Credit UnionWheeling, Phone: 304-234-2264Whetelco Federal Credit UnionWheeling, Phone: 304-232-8123Willow Island Federal Credit UnionSt. Marys, Phone: 304-684-0018Wood County Community Federal Credit UnionParkersburg, Phone: 304-865-2361WV National Guard Federal Credit UnionCharleston, Phone: 304-342-2422WVU Employees Federal Credit UnionMorgantown, Phone: 304-293-5737