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.


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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.

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West Virginia Saves


Partner Resource Packet

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Saver Tips and Stories View all »

Live Like a College Student

Nohemi found out about America Saves a few years ago as an undergraduate at the University of Illinois at Chicago. She remembers attending a University of Illinois Saves event where she decorated a piggy bank and took the Pledge, but college life made her put the thought of saving at the back of her mind. Those thrifty thoughts resurfaced when she graduated with a degree in public health.

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Getting Out of Debt

In 2004, Tonya Shelton was facing financial ruin. Barely making more than minimum wage and having lost her home to an unexpected family crisis, Shelton and her family were forced to live in a rundown hotel.

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Taking Steps Toward Financial Fitness

Nicky Vasquez learned about Virginia Saves when she attended her first class with Bank On Virginia Beach. The instructor shared how important it was to have a written savings goal, and the entire class joined Virginia Saves as the first step toward financial fitness.

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