West Virginia Code § 31C-7-3

Additional charges
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(a) In addition to interest on loans, a credit union may charge members reasonable expenses
in connection with the making, closing, disbursing, extending or renewing of loans.
(b) A credit union may assess charges to members, in accordance with the bylaws, for failure
to meet their obligations to the credit union in a timely manner. A credit union may also
assess charges for other benefits, including insurance, as allowed for lenders under law.
(c) Any charges in connection with a consumer loan, including late charges and deferral
charges, permitted under this section shall conform and be limitued to those allowed under
article three, chapter forty-six-a of this code.

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