C C M H logo

C C M H in Parkersburg, WV

4.0/5

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.

Data compiled from public sources · Rating from CreditDoc methodology

C C M H Review

CCMH Federal Credit Union (Camden Clark Memorial Hospital FCU) was established to serve the financial needs of employees and families associated with Camden Clark Memorial Hospital in Parkersburg, West Virginia, along with staff from affiliated medical practices and organizations throughout West Virginia and Ohio. The credit union operates as a non-profit institution with NCUA insurance protection, maintaining a lean operational model with four employees managing over 1,200 member accounts.

The credit union offers regular share savings accounts, share draft checking accounts, and a variety of personal loans. Members can access online banking, mobile banking via phone, debit cards, check reordering, and ATM services. They currently promote a spring loan special of $10,000 at 8% APR over 60 months. Share draft checking requires no minimum balance and includes dividend payments, while regular savings accounts require a $5 minimum balance maintained at all times. Membership requires a one-time $1 fee and $5 opening deposit.

CCMH FCU distinguishes itself through a highly restricted field of membership focused on healthcare professionals and their dependents, creating a tight-knit member community. The credit union maintains conservative operations with over $5 million in assets and $3.1 million in outstanding loans. Their limited hours of operation (weekday mornings and one extended Thursday) reflect their small-scale, specialized mission rather than broad consumer banking.

This is a niche credit union best suited for eligible employees of Camden Clark Memorial Hospital and affiliated medical practices. The restrictive membership requirements, minimal branch presence, limited hours, and small asset base mean members have fewer services compared to larger regional credit unions. However, members benefit from personalized service, non-profit structure, and rates competitive for their market segment.

Services & Features

Check reordering services
Free ATM access at unspecified location(s)
Funds availability policy disclosures
Loan calculators and rate information
Lost debit card replacement (1-800-991-4965)
Mobile banking via phone (877-393-3019)
Online banking with account access and statement management
Personal secured loans available immediately upon membership
Personal signature loans (after 12-month membership tenure)
Regular share savings accounts with quarterly dividend compounding and $5 minimum balance
Share draft checking accounts with no minimum balance requirement and monthly dividends
Visa debit/check card for point-of-sale transactions and ATM access

Feature Checklist

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

Pros & Cons

Pros

  • Non-profit NCUA-insured credit union structure eliminates profit motive in lending and savings
  • No minimum balance requirement for share draft checking accounts, only NSF fees of $32
  • Competitive spring loan special: $10,000 at 8% APR for 60 months (~$205/month)
  • Monthly dividend compounding on share draft checking with rates set by member-elected board
  • Quarterly dividend compounding on regular savings accounts
  • Low membership barriers: $1 one-time fee and $5 minimum opening deposit
  • Free online and mobile banking access with no monthly account maintenance fees

Cons

  • Highly restrictive membership limited to Camden Clark Memorial Hospital employees, affiliated medical practices, and immediate family—most consumers cannot join
  • Very limited hours: closes at 2:30 p.m. Monday-Wednesday and Friday, only open until 4:30 p.m. Thursday
  • Signature loans require one-year membership tenure; only secured loans available immediately
  • Minimal staff (4 employees) limits service availability and may create longer wait times
  • $2 fee charged for mailed statements rather than free online statements

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
4.2
Ease of Use
4.0

Frequently Asked Questions

Is C C M H legitimate?

Yes. C C M H is a registered company, headquartered in Parkersburg, WV, founded in 1972.

How long does C C M H take to show results?

Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.

Quick Facts

Founded
1972
Headquarters
Parkersburg, WV
BBB Accredited
No
Certifications
NCUA Insured Charter #21057
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit C C M H

CreditDoc Diagnosis

Doctor's Verdict on C C M H

CCMH FCU is exclusively for healthcare workers and families affiliated with Camden Clark Memorial Hospital and partner medical organizations in West Virginia—not for general consumers. The restrictive membership, minimal hours, and small staff make it impractical for anyone outside the eligible field, but valuable for qualifying members seeking non-profit banking with personalized service and board-determined rates.

Best For

  • 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.)
  • Spouses and immediate family members of eligible employees seeking member-owned banking
  • Employees of ServCare Home Health Agency, AMIS Systems Inc., and Medical Financial Consultants at approved locations
Updated 2026-05-14

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