Announcement

Whitesville Community Credit Union and Modern Employees Federal Credit Union are officially one credit union effective December 31, 2025.

Whitesville Community Credit Union
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Loans

Borrow from people who want you to succeed.

Competitive rates, automatic payment options and pre-approval so you can shop with confidence. Every loan is serviced right here by people you know.

Apply online

Ready when you are.

Start your application online in minutes, or call a Loan Officer at either branch. Pre-approval lets you shop knowing exactly what you can afford.

Apply for a loan
Call (270) 233-4447
01

Vehicle & equipment loans

New Auto Loans

Up to 84 months financing
  • Competitive rates: we strive to offer our members the best possible rates
  • GAP coverage available — contact a Loan Officer for details
  • Extended warranty
  • Automatic payment options: lots of convenient ways to make your payment
  • Pre-approval: get pre-approved and shop with confidence
Apply now

Used Auto Loans

Up to 75 months financing
  • Competitive rates: we strive to offer our members the best possible rates
  • GAP coverage available — contact a Loan Officer for details
  • Automatic payment options: lots of convenient ways to make your payment
  • Pre-approval: get pre-approved and shop with confidence
Apply now

Credit Builder Auto Loans

Any year vehicle
  • Finance up to $20,000 and 90% retail of NADA value
  • Any year vehicle
  • Automatic payment options: lots of convenient ways to make your payment
Apply now

Recreational Vehicles

Up to 66 months financing
  • Financing for your recreational vehicle
  • Automatic payment options: lots of convenient ways to make your payment
Apply now

Tractors & Farm Equipment

Up to 60 months financing
  • Financing for tractors and farm equipment
  • Automatic payment options: lots of convenient ways to make your payment
Apply now
02

Personal loans & credit cards

Personal Loans

Up to $20,000 · up to 60 months
  • Borrow up to $20,000
  • Up to 60 months financing
  • Automatic payment options: lots of convenient ways to make your payment
Apply now

Share Secured Loans

Up to 10 years financing
  • Low, low interest rates — secured by your savings
  • Up to 10 years financing
  • Automatic payment options: lots of convenient ways to make your payment
Apply now

Credit Cards

Rates as low as 7.99% APR
  • Rates as low as 7.99%
  • No annual fee
  • Many convenient ways to pay
  • ScoreCard Rewards
Apply now
03

Real estate loans

Real Estate Loans

Land, homes & more
  • Land only
  • Single wide and double wide homes
  • And many more!
  • We partner with Servion to offer first-time home buyer, FHA, VA and 30-year fixed mortgages
Apply now

Current loan rates

Straightforward rates, no surprises.

Share Savings
 
0.50%APY*
Savings accounts
Auto Loans
as low as
3.99%APR
Apply now
Credit Cards
as low as
7.99%APR
Credit cards

Loan rates updated & effective as of 2/18/2026. Subject to change without notice.

*Savings rates updated & effective as of 7/1/2025. Subject to change without notice.

See a Senior Loan Officer for more details on any loan product.

Have a question about a loan?

Our Loan Officers are happy to walk you through options, rates and what you’ll need to apply.

Contact a loan officer
Apply online
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Important Announcement

One credit union, one community.

Whitesville Community Credit Union and Modern Employees Federal Credit Union are officially one credit union effective December 31, 2025.

This strategic partnership brings together two mission-driven financial institutions committed to expanding the credit union philosophy of cooperation, community support, and member ownership, encapsulated in the guiding motto of “People Helping People”.

Effective January 1, 2026, Modern Employees Federal Credit Union will begin operating as a division of Whitesville Community Credit Union, under the name “Modern Employees Federal Credit Union, a division of Whitesville Community Credit Union.” The organizations will maintain existing operations and service channels throughout a transitional period, culminating in a unified brand launch under the Whitesville Community Credit Union name in mid-2026.