Whitesville Community Credit Union KY | Affordable Auto Loans & Business Banking

Introduction

Welcome to Whitesville Community Credit Union, your trusted partner in financial wellness since 1962. Located conveniently at 10589 Franklin St, Whitesville, KY 42378, we pride ourselves on being more than just a financial institution; we are a community hub committed to helping our members achieve their financial goals. With over 2,361 members and a robust asset portfolio totaling $32,619,086, we understand the unique needs of our local community. Under the leadership of our dedicated CEO, Kim Greer, and Board President, Donnie Howard, we strive to offer personalized service that reflects our deep-rooted commitment to the people of Whitesville. Our team of six employees is always ready to assist you with everything from personal banking to auto loans and credit cards with rewards. While members can visit us at our branch for friendly service and expert advice, official correspondence should be sent to P.O. Box 83, Whitesville, KY 42378. We maintain total deposits of $1,730,541 and have successfully issued 738 loans, ensuring that we can meet your borrowing needs while promoting financial stability within our community. At Whitesville Community Credit Union, we're proud to say that our net worth stands at $3,397,711, which reflects our solid financial health and commitment to responsible banking. Whether you're looking for a new vehicle loan or want to open a savings account, we're here for you ready to make your banking experience as smooth as possible. Don't hesitate to reach out! Call us at (270) 233-4447 or visit our website at whitesvillecommunitycu.com for more information about how we can support your financial journey. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Our dedication extends beyond mere banking; it's about making a positive impact on the lives we touch. Through various outreach initiatives and partnerships within Whitesville and Daviess County, we strive to uplift those around us. Whether it's sponsoring local events or collaborating with schools and organizations, we're here to make a difference. While members can visit us at 10589 Franklin St, official correspondence should be sent to P O Box 83, Whitesville, KY 42378 if needed. We invite you to explore our services during our operating hours: Monday through Thursday from 9:00 AM to 4:30 PM and Friday until 6:00 PM (Drive-Thru only). As we continue on this journey together, we invite you to join us at Whitesville Community Credit Union. Experience firsthand how we're committed not just to your financial well-being but also to the growth and prosperity of our entire community. Together, let's build a brighter future! For more information or assistance, feel free to reach out at (270) 233-4447 or visit us online at whitesvillecommunitycu.com.

Our Mission

At the heart of Whitesville Community Credit Union lies our mission: to empower individuals and families through comprehensive financial services while fostering community support. We believe that banking should be about more than just transactions; it should be about building relationships that strengthen our community. We offer a range of services tailored to meet the diverse needs of our members, including checking and savings accounts, auto loans, mortgage financing, personal loans, and credit cards with rewards. With options for online and mobile banking, we ensure that access to your finances is convenient and secure.

Branch Location & Accessibility

Accessibility Features

We understand the importance of making banking accessible for everyone. Our branch features ADA-compliant facilities, ensuring that all members can easily navigate our space. Plus, there's ample parking available right outside, making it convenient for you to pop in whenever you need assistance.

Get in Touch

If you have any questions or need assistance, don't hesitate to give us a call at 270-233-4447. Our friendly staff is ready to help! We invite you to come by and see how we can serve you better; we're excited to welcome you into our community!

Operating Hours

We're open Monday through Friday from 9:00 AM to 4:30 PM, with extended drive-thru hours on Fridays until 6:00 PM. This means you have plenty of time to stop by during your busy week!

Services Offered

At Whitesville Community Credit Union, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we're committed to helping you achieve your financial goals. If you prefer managing your finances online, enjoy our online and mobile banking services that put convenience at your fingertips. While visiting us at 10589 Franklin St, please note that official correspondence should be directed to our mailing address at P O Box 83, Whitesville, KY 42378.

Member Eligibility

At Whitesville Community, we believe in building a community where everyone feels welcome and valued. Becoming a member is not just about opening an account; it's about joining a family that supports your financial journey. If you live, work, or worship in the Whitesville area, you may already qualify for membership! We're here to empower you with access to personalized banking services tailored to your needs. For more detailed eligibility criteria, feel free to check out our website at . Opening an account is easy simply visit us at our branch located at 10589 Franklin St Whitesville Ky 42378, or give us a call at (270) 233-4447 to learn more about how you can get started. We can't wait to welcome you into the Whitesville Community family, where your financial goals become our priority!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those who need it.

Merchant Services

In today's fast-paced world, accepting payments should be simple and efficient. Our merchant services allow businesses to process transactions seamlessly, ensuring that you can focus on what matters most serving your customers. Imagine the ease of accepting credit cards at your store or online without the hassle of complicated setups or hidden fees. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Whitesville, KY. For more information about how we can assist your business, visit us at 10589 Franklin St Whitesville Ky 42378 or call us at (270) 233-4447. Let's grow together!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we don't currently have ATMs on-site, our convenient drive-thru service allows for easy deposits and withdrawals without leaving your car. For quick cash needs, you can access funds through our network of ATMs nearby. At Whitesville Community, we are committed to ensuring that all members have access to the tools they need for successful financial management. If you're ready to explore these services further or have questions about how we can assist you, please don't hesitate to contact us at (270) 233-4447 or visit us online at Whitesville Community Credit Union. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options make it easy for you to drive away in the vehicle you want. We offer competitive rates and flexible terms, ensuring you can find a financing plan that fits your budget.

Business Banking

For local entrepreneurs, we offer Business Banking services that include Merchant Services and Business Loans. We know how important it is to have reliable banking support as you grow your business, and we're here to help you succeed.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows members to earn points on everyday purchases. These rewards can be redeemed for travel, merchandise, or cash back making it a practical choice for managing your spending while earning benefits along the way.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide valuable solutions. Our knowledgeable staff will guide you through the process, helping you find the right mortgage product that aligns with your long-term objectives.

Online & Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking services. Manage your accounts from anywhere using our user-friendly mobile app or website check balances, transfer funds, and pay bills right at your fingertips.

Personal Banking

We understand that every member's financial journey is different. That's why our personal banking services include tailored Checking & Savings Accounts that suit various lifestyles. Whether you're saving for a rainy day or managing your everyday expenses, we've got you covered.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services are here to help ease those burdens. Whether it's for medical bills, home improvements, or consolidating debt, we offer loans that can provide relief when you need it most.

Digital & Online Banking

Key Services for Your Convenience

Our online banking service offers 24/7 access, meaning you can check your balance, pay bills, and transfer money whenever it suits you. With features like person-to-person transfers, sending money to friends and family has never been easier. Plus, if you're looking to go paperless, we offer e-statements that allow you to view your account activity digitally no more waiting for the mail! For those who prefer managing their finances via mobile devices, our mobile application is readily available for download. This app not only supports mobile payments but also lets you handle most banking tasks right from your smartphone. You can quickly check transactions, deposit checks using your camera, and even set up alerts to stay on top of your spending.

Security You Can Trust

Security is paramount in today's digital world, and we take it seriously at Whitesville Community. While we currently do not offer electronic signature authorization for documents, rest assured that your personal information is protected through robust security measures. We prioritize keeping your data safe while providing an easy-to-use experience. Whether you're making a quick transfer or checking your accounts late at night, our digital banking options empower you to stay in control of your finances. Join us at Whitesville Community and experience the ease of managing your money online!

Financial Strength

Member-Centric Savings

Your savings are our priority. Although we currently have no share certificates or money market shares, we still focus on maximizing your financial growth through our diverse offerings. We ensure that our resources are focused on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Even though our net income stands at $0, this reflects our operational efficiency. It enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees ready to assist you with knowledgeable service.

Reinvesting in You

With $3,392,950 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improvement means you can expect ongoing enhancements in your banking experience.

Strong Financial Position

With a net worth of $3,397,711, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,041 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Goals

Our lending capacity is robust; with $275 in used auto loans and $11,740,318 in total loans and leases, we support our members' financial goals across various sectors. Whether you're looking for an auto loan or personal financing solutions, we're here to help.

Trusted Community Partner

We understand the importance of community banking; that's why we're dedicated to serving you every day. With a total of 3,622 accounts held by our growing member base, it's clear that many trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Whitesville Community is your trusted partner. Visit us at 10589 Franklin St Whitesville Ky 42378 or call (270) 233-4447 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,273,497 in used vehicle loans and $1,492,975 in new vehicle loans already helping members get on the road. We provide flexible financing options for both new and used vehicles so you can choose the best fit for your budget.

Credit Lines

For those looking for flexibility in borrowing, we provide credit lines up to $250,000. This allows you to have access to funds whenever you need them without the hassle of reapplying for a loan each time. Additionally, if you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is here to assist you every step of the way. To learn more about our loan offerings and how they can benefit you, feel free to visit us at 10589 Franklin St, Whitesville KY 42378, or call us at 270-233-4447. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial journey starts here at Whitesville Community!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $147,787, make buying or refinancing simple. We offer competitive interest rates and personalized service to guide you through the mortgage process.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $179,529 in loans helping members effectively manage their finances, our credit cards come with various benefits that make them ideal for everyday use.

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WHITESVILLE COMMUNITY CREDIT UNION