At a glance
From its website, read 3 Nov 2026Softite Community Federal Credit Union is a credit union based in Martins Ferry, Ohio. Its website describes auto loans, home repair loans, home mortgages and 1 other loan type. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (740) 633-2103 source |
|---|---|
| Phone | (740) 526-8103 source |
| Phone | (740) 314-8965 source |
| Apply online | Page with the application link |
| Website | www.softitecfcu.com |
| Office (official list) | 1201 S Zane Hwy, Martins Ferry, OH 43935 |
What their website says about applying
Provide us with your identification and a minimum deposit of $25.00 into a share savings account for your membership.
sourceCall one of our convenient locations for more information on becoming a member of Softite Community Federal Credit Union.
sourcePlease contact our loan department for more details.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 3 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | New Car Starting at 5.50% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Signature Loan Starting at 10.50% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Provide us with your identification and a minimum deposit of $25.00 into a share savings account for your membership.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jan 2017 |
| RSSD ID | 80589 |
| Address | 1201 S Zane Hwy, Martins Ferry, OH 43935 Directions (Google Maps) |
| Website | www.softitecfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 3 Nov 2026Read from 5 pages of the lender's website on 3 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amount limits and loan product terms beyond rate tables are not clearly stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We offer the best loan rates, to make your dreams come true! Also, we can cover your new car with an extended warranty! | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | Home Equity Loans | source |
| Personal / consumer loans | — | Personal Loans | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Loan Application
source
Questions to ask when you contact them
Based on what their website said when we read it on 3 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SOFTITE COMMUNITY (charter 19433). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $37.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,879 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Ohio (3 offices)
- Belmont County (2): 1201 S Zane Hwy, Martins Ferry 43935 (main office); 51370 National Rd, Saint Clairsville 43950
- Jefferson County (1): 100 Longview Ave, Mingo Junction 43938
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Softite Community Federal Credit Union (NCUA charter 19433, filed as “SOFTITE COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $17 million, 965 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 2.0% from $17.4 million on 30 Jun 2025 |
| Members | 3,879 (as of 30 Jun 2026); 3,861 (as of 30 Jun 2025) |
| Loans per member | $4,383 (total loans divided by members, 30 Jun 2026) |
| Total assets | $37.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2 million | 11.9% |
| Used vehicle loans | $5.5 million | 32.2% |
| First-lien home mortgages (1-4 family) | $6.4 million | 37.8% |
| Other real estate loans (junior liens, other) | $1.5 million | 8.6% |
| Other unsecured loans | $531,990 | 3.1% |
| Leases and other secured loans | $1.1 million | 6.4% |
None reported on the 30 Jun 2026 report: commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $37.6 million | Larger than 18% of the 11 other certified credit unions in Ohio (median $365.7 million). |
| Loans as a share of assets | 45% | Median of the same 11 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $17.4 million → $17 million (-2%) | Median change of 11 other certified credit unions in Ohio: +1%. Rank by loans held among these 12: 10 → 10. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Ohio | 11 | larger than 18% |
| Loans held then vs now | certified credit unions in Ohio reporting both dates | 11 | rank 10 → 10 of 12 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Martins Ferry and Ohio
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- Buckeye State Credit Union, INC.Credit union · Akron, OHAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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- Cardinal Credit UnionCredit union · Mentor, OHAuto / vehicle loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Cincinnati Development Fund, Inc.Loan fund · Cincinnati, OHCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Cleveland Development Advisors Community Reinvestment Fund, Inc.Loan fund · Cleveland, OHCommercial real estate loansVerified
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