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Union Trades FCU is a member-owned federal credit union offering auto loans, personal loans, credit cards, and digital banking services to its members.
Data compiled from public sources
Union Trades Federal Credit Union (UTFCU) is a member-owned, not-for-profit financial institution serving members through both in-person and digital channels. Based on their website, the organization operates as a traditional credit union with a physical location in West Virginia (304 area code) and provides comprehensive financial products to its membership.
The institution offers a range of lending products including auto loans (new and used vehicles) starting at 4.50% APR, personal loans beginning at 9.50% APR, recreational loans from 5.25% APR, and Visa credit cards with rates starting at 10.99% APR. Members can also access certificate of deposit (CD) products and deposit accounts. The credit union prominently features seasonal promotions such as skip-a-payment programs during summer months, which may provide payment relief under certain eligibility conditions.
Union Trades distinguishes itself through a digital-first approach combined with in-person service options. The institution has invested in mobile banking capabilities including remote deposit capture, mobile app access (iOS and Android), online banking portal with bill pay functionality, account transfer capabilities, and real-time account alerts. Their emphasis on environmental sustainability through e-statement options and the convenience of appointment-based in-person service reflects a modern credit union model.
As a credit union, Union Trades serves member interests rather than external shareholders. However, potential members should verify eligibility requirements for membership, as credit unions typically require field of membership criteria. The advertised interest rates appear competitive within their market, though the website does not provide comprehensive fee schedules, term lengths, or detailed product comparison information that would enable full competitive assessment.
This is state-level context for Credit Unions consumers in Parkersburg, WV. It does not confirm that Union Trades 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.
Union Trades offers 12 services including Auto loans (new and used vehicles) at 4.50% APR and up, Personal loans starting at 9.50% APR, Recreational vehicle loans from 5.25% APR, Visa credit cards with rates from 10.99% APR, Certificate of deposit (CD) products, and 7 more.
Union Trades has profile signals associated with Members seeking competitive auto financing with rates under 5% APR, Borrowers who prefer member-owned institutions and digital banking convenience, Individuals needing temporary payment relief through seasonal skip-a-payment programs, Consumers wanting multi-product relationships including loans, cards, and savings accounts.
Key strengths: Competitive auto loan rates starting at 4.50% APR for new and used vehicles; Comprehensive mobile banking with iOS and Android apps including remote deposit and bill pay; Seasonal skip-a-payment programs available June-August for eligible borrowers. Areas to consider: Membership eligibility requirements unclear on website—credit union field of membership not specified; No fee schedule, loan terms, or APR ranges displayed beyond promotional rates.
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
Union Trades FCU is best suited for borrowers who are eligible for credit union membership and seek competitive loan rates combined with modern digital banking convenience. The main caveat is that membership eligibility criteria are not disclosed on the website, so potential customers must verify whether they qualify before applying.
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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