Member Connect Q1 2026 News & Updates
Letter From the CEO
A credit union’s annual meeting is where the member-owners attend and take an active part in their credit union’s operations. The annual meeting is an essential part of the DNA of a financial cooperative! By holding an annual meeting, a credit union upholds the cooperative structure, ensures democratic member control, and provides transparency and accountability. These meetings empower member-owners to elect a volunteer Board of Directors, review financial performance, and provide input into future strategies. The meetings also provide an opportunity for a credit union to celebrate achievements and highlight its commitment to community support.
On March 7, 2026, WV Central held its 57th annual meeting at the First Presbyterian Church in Parkersburg, WV. A total of 120 members attended to learn more about credit union operations and hear about plans for the upcoming year. A financial statement was provided and presented by Ken Watts, Treasurer, showing assets of $322,784,102 and loans of $222,923,317. 99.37% of members who borrow from the credit union are current on their loan payments. Capital / Assets ended 2025 at 13.77%. WV Central is financially sound and positioned for continued success while ensuring the financial wellbeing of our members.
In 2025, WV Central made significant contributions to its members and the local community, donating a total of $250,000 to various charitable causes. Furthermore, as a reward for their loyalty to the credit union, members received a special owner’s dividend of $993,000, which was distributed on the last day of 2025. To encourage savings and to provide tools for protecting their debit cards, WV Central has introduced the following: 1) Koda New Birth account, which celebrates a new baby by making a $50 deposit into the baby’s account when it is opened within the first 6 months; and 2) CardNAV helps to control fraud and reduce any debit card risks by setting controls and limits on the card usage.
WV Central’s 57th annual meeting showcased the credit union’s strength and outlined exciting plans for 2026 and beyond. Please be sure to investigate all aspects of Central as we are laser-focused on improving the financial well-being of our members!
Michael A. Tucker, President/CEO
A Million Ways to Say Thank You
At West Virginia Central Federal Credit Union, our mission has always been simple, put our members first. In 2025, that commitment made a meaningful impact, as we helped our members save more than $1 million through smart financial solutions like loan refinancing. Those savings represent real relief, real progress, and real financial confidence for the individuals and families we serve every day. But our story doesn’t stop there.
Because we are a member-owned, not-for-profit financial institution, our success is directly tied to yours. When WV Central does well, we believe our members should share in that success. That’s why we’re proud to return $1 million in special year-end bonus dividends to eligible members this year.
This return is more than just a number! It’s a reflection of what makes the credit union difference so powerful. It’s about neighbors helping neighbors, people supporting their community, and a financial partner that is truly invested in your future. Whether those dividends go toward savings, paying down debt, investing in your goals, or simply providing a little extra peace of mind, we’re honored to play a part in your financial journey.
At WV Central, you’re more than an account, you’re an owner. And when you choose to bank with us, you’re choosing a partner who is committed to helping you succeed every step of the way.
How are you using your owner’s dividend? We’d love to hear your story and celebrate your success.
Share Your Story
Security and Control At Your Fingertips
Your debit card goes wherever you go, and now, your control over it can too. With CardNav, WV Central members have access to powerful tools that put security, convenience, and peace of mind right in the palm of their hand.
CardNav is a free mobile app designed to give you real-time control over how, when, and where your debit card is used. Whether you’re at home or on the go, you can instantly manage your card settings and receive alerts for the transactions that matter most to you.
Misplace your card? No problem. With just a few taps, you can turn your card off to prevent unauthorized use, and turn it back on just as quickly. Want to stay on top of your spending? Set limits to help you stick to your budget or restrict certain types of purchases for added protection. You can even control where your card is used, adding an extra layer of security against fraud.
CardNav also keeps you informed in real time. You can customize alerts to notify you when transactions occur, helping you quickly spot and address any suspicious activity. It’s a simple, proactive way to stay connected to your finances and protect what matters most.
We’re committed to providing tools that make managing your money easier and more secure. CardNav is just one more way we’re helping you stay in control! Anytime, anywhere. Download the CardNav app today and take your card security to the next level.
Celebrate Youth Month with Smart Saving
April is Youth Month at West Virginia Central Federal Credit Union and a great time to help kids build strong saving habits early! We’re making it fun (and rewarding) with special deposit matches all month long:
• Adults depositing cash into a youth account: matched up to $15*
• Kids making their own cash deposit: matched up to $20*
• New youth accounts opened with a cash deposit: matched up to $20*
*Deposits must be CASH, made to a Youth Savings Account, limited to one match deposit per member/account during the month of April 2026.
Each qualifying deposit also enters participants for a chance to win a Nintendo Switch 2, and kids can join our coloring contest for a chance to win additional prizes!
It’s never too early to start teaching financial responsibility. With a KODA Youth Savings Account, WV Central is here to support your child’s financial journey every step of the way.
Tax Refund Education
Tax refund season is here, and while it’s exciting to see that extra money hit your account, what you do with it matters.
One smart move: turn your refund into an emergency fund. Even a small cushion can reduce stress and give you more control when unexpected expenses come up. This year, many people are making thoughtful choices:
• 52% are saving their refunds
• 37% are paying down debt
• 22% are covering everyday expenses
• 20% are investing in their homes
All great options, but building a safety net can make the biggest long-term impact.
We recommend keeping your refund in your WV Central account so you can track your spending and use it intentionally. Better yet, set aside a portion in savings to start (or grow) your emergency fund.
First car. First home. First big step. Your refund can help make it happen.
Visit wvccu.org or stop in to learn how we can help you make the most of your refund and fund your future.
Save Big On Tax Prep
As a West Virginia Central member, you save 20% on TurboTax®, whether you file yourself or have an expert file for you. Or save up to $25 on in-office tax prep services from H&R Block and get your taxes done by professionals.
Also, as a credit union member, you can enter for a chance to win $10,000 from Love My Credit Union Rewards.
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