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167th Tfr in Martinsburg, WV

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167th TFR Federal Credit Union is a member-owned credit union offering mortgages, auto loans, credit cards, and savings accounts with competitive APRs.

Data compiled from public sources

167th Tfr Review

167th TFR Federal Credit Union is a federally-chartered, member-owned credit union serving consumers seeking alternative banking through a not-for-profit financial cooperative structure. The institution emphasizes member-first service and community economic growth as core principles. They position themselves as providing personalized service where members are treated as individuals rather than account numbers, with staff described as experienced and knowledgeable.

The credit union offers a comprehensive suite of financial products including mortgage loans with flexible terms, auto loans (new and used vehicles), signature loans, home equity lines of credit, MasterCard credit cards with no annual fee, online and mobile banking platforms, and deposit accounts. Featured rates advertised include 4.50% APR for new auto loans, 5.00% for used auto loans, 6.99% for MasterCard, 7.90% for home equity, and 9.50% for signature loans. They provide online application capabilities and a mobile banking app alongside traditional branch services.

The credit union distinguishes itself through member-ownership structure, accessibility features (AudioEye-enabled website), a dedicated payment portal, and emphasis on personalized service over transactional relationships. They highlight rate claims to verify, no annual fee credit cards, and unified rates for credit card purchases and cash advances without additional fees. The institution appears locally focused with limited branch locations shown on their website.

As a credit union, 167th TFR offers NCUA insurance protection on deposits and member-owned governance, but members must qualify for membership based on field of membership criteria not detailed on their accessible website content. The geographic footprint appears limited based on location search functionality, potentially restricting access to some consumers. Rate competitiveness depends on membership eligibility and credit profile.

Services & Features

Debit card services with fraud protection
Home equity lines of credit
MasterCard credit cards
Mobile banking application
Mortgage loans with flexible terms
New auto loans
Online banking platform
Payment portal
Savings and checking accounts
Share certificates (savings certificates)
Signature loans
Used auto loans

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • No annual fee MasterCard credit card with identical APR for purchases and cash advances
  • Competitive auto loan rates starting at 4.50% APR for new vehicles
  • Member-owned, not-for-profit structure with NCUA insurance protection
  • Mobile banking app and online payment portal for convenient account management
  • Comprehensive mortgage programs with flexible terms and personalized service
  • Unified pricing on credit card products (no separate cash advance fees)
  • AudioEye accessibility features for website usability

Cons

  • Limited branch locations restrict access for non-local members
  • Membership eligibility criteria not clearly disclosed on website
  • Signature loan APR of 9.50% is higher than some competitors' offerings
  • Website lacks transparency on field of membership requirements

State Consumer Finance Context

This is state-level context for Credit Unions consumers in Martinsburg, WV. It does not confirm that 167th Tfr or this specific location is licensed.

State regulator

West Virginia Division of Financial Institutions

Key state rules to check

  • Payday lending banned since 2006 when the enabling statute expired and was not renewed.
  • The general usury cap is 8% for most consumer loans.
  • Licensed supervised consumer lenders can charge up to 31%.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does 167th Tfr offer?

167th Tfr offers 12 services including Mortgage loans with flexible terms, New auto loans, Used auto loans, Signature loans, Home equity lines of credit, and 7 more.

What profile signals are listed for 167th Tfr?

167th Tfr has profile signals associated with Members eligible for the credit union's field of membership seeking competitive auto and mortgage rates, Local consumers in the credit union's service area wanting personalized financial service, Borrowers with good credit seeking rewards-free credit cards without annual fees.

What are the strengths and weaknesses of 167th Tfr?

Key strengths: No annual fee MasterCard credit card with identical APR for purchases and cash advances; Competitive auto loan rates starting at 4.50% APR for new vehicles; Member-owned, not-for-profit structure with NCUA insurance protection. Areas to consider: Limited branch locations restrict access for non-local members; Membership eligibility criteria not clearly disclosed on website.

How does 167th Tfr compare to similar companies?

In the Credit Unions category, comparable providers include Berkeley County Public Schools, C C M H, Cape. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1959
Headquarters
Martinsburg, WV
BBB Accredited
No
Certifications
NCUA Insured Charter #13028
Visit 167th Tfr

CreditDoc Profile Note

Research Note on 167th Tfr

167th TFR Federal Credit Union is profile signals for members within their field of membership seeking rate claims to verify on mortgages and auto loans combined with personalized member service. The main caveat is that membership access is restricted by undisclosed eligibility criteria, and the geographically limited branch network may not serve all potential borrowers.

Profile Signals

  • Members eligible for the credit union's field of membership seeking competitive auto and mortgage rates
  • Local consumers in the credit union's service area wanting personalized financial service
  • Borrowers with good credit seeking rewards-free credit cards without annual fees
Updated 2026-05-14

Similar Companies

B

Berkeley County Public Schools

Berkeley County Public Schools Federal Credit Union is a member-owned, non-profit financial cooperative serving Berkeley County employees and their families since 1973.

BBB: NR

Profile signals: Berkeley County Public Schools employees seeking safe, federally-insured savings and basic lending, Families of school district employees wanting low-cost checking and vehicle financing

C

C C M H

CCMH Federal Credit Union is a member-owned nonprofit serving healthcare workers and their families in West Virginia with savings accounts, checking, and personal loans.

BBB: NR

Profile signals: Camden Clark Memorial Hospital employees and medical staff in Parkersburg, WV, Employees of affiliated medical practices listed in membership criteria (Ernest Miller Jr., D.O.; Fred Jay Krieg, Ph.D.; F.G. Powderly, M.D., etc.)

C

Cape

CAPE Federal Credit Union is a not-for-profit credit union serving Harrison County, West Virginia, offering checking, savings, loans, and digital banking services to members.

BBB: NR

Profile signals: Harrison County, West Virginia residents seeking community-focused banking relationships, Individuals employed by USPS or employers offering direct deposit who want simplified paycheck setup

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Quick Summary

  • 167th Tfr is listed as a Credit Unions provider in Martinsburg, WV on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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