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Your MCWV

About Us

Our credit union began as “Conrail Credit Union” on November 10, 1942, for railroad employees and their family members. In July of 1997, our name officially changed to “Members Choice WV Federal Credit Union,” and on May 8, 2000, we opened for business in a brand new building built for our members, located at 201 Ohio Avenue on the West side of Charleston, WV. Since 2015, we have been known by our new brand name, “MCWV.” The purpose of our credit union is to promote thrift among members by affording those members opportunities to accumulate their savings and create for them a source of credit for productive purposes.

Members Choice originally served employer groups who were not large enough to form their own credit union but wanted to offer their employees credit union services at no cost to the employer. This change was implemented after recognizing the need for an expanded field of membership, allowing more people to access the many benefits MCWV offers. With the new charter, MCWV is now serving people who live, work, worship, volunteer, or attend school and businesses or other legal entities in Boone, Braxton, Cabell, Calhoun, Clay, Gilmer, Jackson, Kanawha, Lincoln, Logan, Mason, Mingo, Pleasants, Putnam, Ritchie, Roane, Wayne, Webster, Wirt, and Wood Counties in West Virginia and their family members.

Our CEO/Manager, Stephanie, has been employed by the credit union for over twenty years. All members of the Board of Directors are volunteers elected by the membership at our Annual Meeting.

We are governed by the laws of the National Credit Union Administration (NCUA) relating to credit unions, its articles of incorporation, and bylaws adopted by the board and approved by NCUA. Your savings are federally insured to at least $250,000 by the National Credit Union Administration.

The CU Difference Between:

Credit Unions Banks
Not-for-profit, democratically controlled cooperatives Generate profit for stockholders
Can serve only those in their field of membership Can serve the general public
Governed by a volunteer board of directors elected by membership Governed by paid directors elected by stockholders
Returns profits to all members in the form of dividends Returns profits to stockholders
Accounts insured up to $250,000.00 by the National Credit Union Administration Accounts insured up to $250,000.00 by the FDIC

MCWV Holidays

In some instances, Members Choice may also close for a day or two before and/or after a holiday. Check back frequently for updated holiday schedules.

  • January 15, 2024 – Martin Luther King, Jr. Day: Closed

  • February 19, 2024 – Presidents’ Day: Closed

  • May 27, 2024 – Memorial Day: Closed

  • June 19, 2024 – Juneteenth: Closed

  • July 4, 2024 – Independence Day: Closed

  • September 2, 2024 – Labor Day: Closed

  • October 14, 2024 – Columbus Day: Closed

  • November 11, 2024 - Veterans Day: Closed

  • November 28, 2024 – Thanksgiving Day: Closed

  • November 29, 2024 – Black Friday: Drive-Thru Only: 8:00 a.m. - 1:00 p.m.

  • December 24, 2024 – 8:00 a.m. - 1:00 p.m.

  • December 25, 2024 – Closed Christmas

  • December 31, 2024 – 8:00 a.m. - 1:00 p.m.

  • January 1, 2025 – Closed New Year’s Day

Contact MCWV

Please contact us with any questions, comments, or if you need additional information:

Phone: (304) 346-5242 or (800) 526-5242
Fax: (304) 346-5266
Mailing: PO Box 20040, Charleston, WV 25362

Business Hours:

Lobby Hours:
Mon, Tues, Wed, Fri: 9:00 a.m. – 4:30 p.m.
Thursday: 9:00 a.m. – 6:00 p.m.

Drive-Thru:
Mon, Tues, Wed, Fri: 8:00 a.m. – 4:45 p.m.
Thursday: 8:00 a.m. – 6:00 p.m.

E-mail:

To e-mail the credit union with a question, log in to NTouch24, select User Profile from the Main Menu, select Messages from the sub-menu and select “Compose”. Enter a title for your message, write your message in the e-mail body and then select “Send Message” to send.

Lost or Stolen Cards:

If your credit card is lost or stolen, call (855) 436-4210.

If your debit card is lost or stolen, call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242 and press option 5 for debit cards. During business hours, you will be routed to MCWV staff members for assistance.

MCWV will never call or text you to ask for your member number or personal information. If you are ever unsure of a call or text, simply hang up or do not reply, and then contact the credit union.

Department Listing

Membership Information & Account Questions

Loan Department

  • Kim, Loan Clerk/MSR, Ext. 205

  • Joyce, Senior Loan Officer, Ext. 215

  • Woody, VP/Chief Credit Officer NMLS# 740853, Ext. 208

Debit Cards, ACH Questions, Overdrafts

  • Clara, Senior Accounting Clerk, Ext. 204

  • Monica, IRA Specialist, Ext. 213

Credit Cards, Online Banking

  • Monica, IRA Specialist, Ext. 213

  • Clara, Senior Accounting Clerk, Ext. 204

IRAs, Share Certificates

  • Monica, IRA Specialist, Ext. 213

  • Clara, Senior Accounting Clerk, Ext. 204

Marketing/Advertising, Donation Requests

  • Whitney, marketing@memberschoicewv.com

Management

  • Stephanie, CEO/Manager, Ext. 207

  • Steve, VP/Chief of Operations, Ext. 201

  • Woody, VP/Chief Credit Officer, Ext. 208

  • Crystal, VP Member Services/Compliance Officer Ext. 214

Members Choice WV FCU logo

Where you've made the right choice!


Membership

Enjoy ownership & benefits.

At MCWV, you're not just another number in line. We are a member-centric, full-service financial institution prepared to service all of your financial needs with a personal touch. We embrace the credit union difference as a not-for-profit organization by providing quality financial products and services, including great, low loan rates and terms. As a member, you’re also an owner of the credit union and will always have voting rights, receive dividends and be part of the support given to your community.

Become a Member

Rates

Lock in your low rate today!

Take advantage of:

  • Credit Card rates 10% below industry average with great rewards
  • Competitive New & Used Automobile Rates
  • Personal & Business Loans


View All Rates

MCWV Visa Credit Cards


  • Low 9.99% APR*
  • No annual fee
  • 25-day grace period
  • Rewards program - including cash back for statement credit

APPLY TODAY