West Virginia Saves

All across the state, West Virginia Saves is helping West Virginians to build wealth through saving and the reduction of debt. West Virginia Saves provides tools and tips to help West Virginia Savers reach their personal financial goals.

Membership in West Virginia Saves is FREE and offers a lot of great benefits and incentives. You do not have to be rich to build wealth. Why wait another minute? Don't wait any longer...

Take the West Virginia Saves Pledge

West Virginia Saves is a coalition of financial institutions, faith-based organizations, employers, schools, non-profit organizations, and government entities working together to motivate individuals and families to build wealth by saving.


Contact Us

If you have questions or need more information about West Virginia Saves, please call 304-797-7733 x1309.


Latest News

WV Saves News

Want to be a partner with West Virginia Saves? Call 304-797-7733.


West Virginia EITC

WV EITC

The EITC is a refundable federal income tax credit that provides millions of dollars in assistance to working individuals and families in West Virginia. When a return is filed, all tax liability and any setoff must be satisfied first. Then any remaining amount is refunded directly to the taxpayer. The amount of the credit varies with family size and income. 

Earned income includes all taxable income gained from working. To qualify for the EITC, a person must work full or part-time and have earned income during the year. If married and filing jointly, at least one spouse must work and have earned income. Learn more about the West Virginia EITC.


FDIC Money Smart - A Financial Education Program

FDIC Money Smart Program

Money Smart is a comprehensive financial education curriculum designed to help low- and moderate-income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships. The Money Smart Computer-Based Instruction (CBI) is a friendly and easy to use learning tool that teaches the 10 modules of the Money Smart curriculum through a computer. The CBI can complement formal classes or enable people to study independently at their own pace. Interested in learning more? Call CHANGE, Inc. to learn about their finance and credit counseling at 304-797-7733 x1405 or visit www.changeinc.org.


KISRA WVIDA Program

WV IDA

IDAs, or Individual Development Accounts, are special matched savings accounts designed to help families and individuals of modest means establish a pattern of regular saving and, ultimately, purchase a "productive asset." A "productive asset" is something of value that is likely to return substantial long-term benefits to its owner-- benefits like security, stability and opportunities for more income. WVIDA program participants may use their savings and match money toward the purchase of a home, small business capitalization or post-secondary education.

RSS Recent Blog Entries View all »

  • 4 Steps to Spending Your Stimulus Check Wisely When You Don't Have An Emergency Fund

    Most Americans don't have an emergency fund. While we're all experiencing this pandemic very differently — some having only minor inconveniences and others finding themselves without a job or having to close their business — those without a savings cushion are vulnerable to feeling the ramifications of COVID-19 for a very long time.

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  • Pantry Shopping and Meal Planning Preparation Tips

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  • 7 Free Family Fun Ideas to Try While Sheltering in Place

    Just a few weeks ago it’s possible that we felt time escaped us. As closings from the COVID-19 pandemic force people to stay in their homes, we are reunited with our time, but may struggle to find exciting and interesting ways to spend it.

    No worries! We’re sharing a list of seven free activities to enjoy with your family while social distancing.

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  • Where To Get Financial Help During The COVID-19 Crisis

    Over the past several weeks, as the COVID-19 global pandemic has spread, so has the need for resources and emergency aid. Each hour brings with it new developments, announcements, and changes, making it hard to keep up or know exactly where to reach out in the event you need assistance.

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West Virginia Saves


Partner Resource Packet

Want to share savings messages?

Our Partner Resources Packets include blog, social media, and other content.

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Tip of the Day

  • Take control of #saving & #spending during the #holidays - create a holiday budget! http://ow.ly/CP1lO

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Saver Tips and Stories View all »

Jump-Starting a Financial Makeover

Nichelle Johnson, a single mom with two teenage children, knows what it’s like to stretch a dollar. When she moved back to Virginia Beach in 2008, she provided for her family with just a part-time library position.

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Make it Automatic

Holding ourselves accountable can be tough. Maria knew that if she didn’t “set it and forget it” she would have a hard time making sure her regular savings deposits were happening. In April, she took the America Saves Pledge and created a savings plan to increase her emergency fund.

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Starting Over

Until last summer, Michael Lindman spent money freely. “I was a union truck driver for 35 years and had a good income,” said Lindman. “I owned my own home, saved a little, and tried to live within my own budget. You always think there’s going to be that much coming in, but things can change in a split second.”

Read more...