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Appalachian Power EFCU is a nonprofit credit union chartered in 1936 serving employees of Appalachian Power Co. and members with $5.9M in assets and 943 members.
Data compiled from public sources
Appalachian Power Employees Federal Credit Union was established in 1936 by employees of Appalachian Power Company and remains a member-owned, not-for-profit financial institution. As a federally chartered credit union regulated by the National Credit Union Administration (NCUA), it operates under cooperative principles where each member holds one vote in the organization's governance. The institution has been audited by federal examiners and rated as sound and resistant to external economic disturbances.
The credit union offers a range of financial products tailored to member needs, including share savings accounts with competitive yields, share draft checking accounts with no monthly service fees, and various loan products. Members can access vehicle loans, motorcycle loans, boat and camper financing, signature loans, and share-secured loans. The institution provides direct deposit capabilities for paychecks, Social Security, pensions, and government payments. Additional services include payroll deduction options, domestic wire transfers, and loan insurance.
Appalachian Power EFCU distinguishes itself through its tight-knit membership structure tied to Appalachian Power Company employment, its absence of monthly account fees, and its commitment to member-owned cooperative banking. The credit union maintains competitive dividend rates with expanded tier structures and offers a personal touch with direct contact via email and phone during business hours (Monday-Friday, 7:45am-4:15pm, closed noon-1pm for lunch).
As a small, regional credit union with $5.9M in assets and under 1,000 members, Appalachian Power EFCU serves a specific employment-based field of membership. While federally insured and rated as sound by regulators, the institution's limited asset size means fewer technological conveniences compared to larger banks and credit unions. The member base appears stable but growth opportunities may be constrained by the defined field of membership criteria.
This is state-level context for Credit Unions consumers in Huntington, WV. It does not confirm that Appalachian Power Employees or this specific location is licensed.
State regulator
West Virginia Division of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Appalachian Power Employees offers 12 services including Share savings accounts with competitive yields and unlimited deposits/withdrawals, Share draft checking accounts with no monthly service fees, Vehicle loans, Motorcycle loans, Boat and camper financing, and 7 more.
Appalachian Power Employees has profile signals associated with Current and former employees of Appalachian Power Company seeking member-owned banking, Appalachian region residents with existing family ties to Appalachian Power employment, Members prioritizing fee-free accounts and relationship-based banking over digital convenience, Borrowers needing vehicle, boat, or personal loans with rates competitive to larger institutions.
Key strengths: No monthly service fees on checking and savings accounts; Federally chartered and NCUA-insured with recent audit rating as 'sound institution'; Low-cost loans across multiple product types (vehicles, boats, motorcycles, signature, share-secured). Areas to consider: Very small institution ($5.9M assets) with limited technological infrastructure compared to larger banks; Restricted field of membership based on employment tie to Appalachian Power Co., limiting eligibility.
In the Credit Unions category, comparable providers include 167th Tfr, Berkeley County Public Schools, C C M H. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Appalachian Power EFCU is profile signals for employees of Appalachian Power Company or those with employment ties seeking fee-free accounts and relationship banking in a cooperative, member-owned structure. The primary caveat is restricted membership eligibility—those outside the defined employment field cannot join—and limited digital services compared to larger regional credit unions.
167th TFR Federal Credit Union is a member-owned credit union offering mortgages, auto loans, credit cards, and savings accounts with competitive APRs.
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
Berkeley County Public Schools Federal Credit Union is a member-owned, non-profit financial cooperative serving Berkeley County employees and their families since 1973.
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
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.
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.)
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