AFTER  REGULAR BUSINESS HOURS IF YOU NEED TO REPORT A LOST OR STOLEN VISA CREDIT CARD PLEASE CALL 1-800-991-4961.

Loan Products
Below you'll find all the information you need about our Loans.

Auto/Motorcycle Loans
New current year untitled vehicles can be financed for up to 72 months.  Financing determined using 100% of the (NADA) retail and loan value including tax, title and transfer.  (Rates) and eligibility are based on your credit report. 

Mortgage Loans WBVFCU has initiated a partnership with CU Members Mortgage to provide our members with the easiest and fastest way to obtain a first mortgage. The products we can offer include fixed rate and adjustable rate loans, from conventional to FHA and VA Loans. The financial calculator found on this website can assist you in determining the loan or refinancing option that is right for you and what your payments and closing costs might be. Call a WBVFCU loan officer for more information.

Recreational Vehicles/All Terrain Vehicles/ Boat Loans Financing is available for RV’s, new and used can be financed up to 120 months, new up to 120 months. ATV and Boat loan financing up to 60 months. Loan amounts are based on ( NADA) retail and loan values including tax, title, and transfer fees.  ( Rates) and eligibility are based on your credit report.

Unsecured Fixed Rate Loans
$10,000 maximum loan amount inclusive of Visa® credit card.  ( Rates) and eligibility are based on your credit report.

Visa® Credit Cards
West Branch Valley Federal Credit Union Visa® Credit Card

A great card like ours can put a smile on anyone's face. No other card offers you greater financial flexibility and freedom. Look at some of the features of a West Branch Valley Federal Credit Union VISA® credit card:

• Low fixed rate APR on purchases, balance transfers, and cash advances of 10.65% .
• No annual fee.
• No transfer fees.
• 25-day grace period on purchases.
• Worldwide acceptance.
• Travel Accident Insurance.
• Balance transfer option.
• 0% Fraud Liability
• Credit life and credit disability insurance available.
• Share secured loans are available.

OTHER LOANS LISTED BELOW

Personal Lines of Credit
There is a variable (rate) line of credit that is available to you with a maximum of $10,000. No annual fee easy access to funds by calling in and requesting a check or deposit to your share account. This (rate) is adjusted semi annually in March and September. (Rate) is determined by adding 3% to the current prime rate as per the Wall Street Journal.

Share Secured Loans
Low interest fixed (rate) loans available using 100% of your shares held at the credit union. Terms up to 120 months are available.

Home Equity Loans
Need some home improvements or a much-needed vacation? Look into our fixed (rate) home equity loans. Loans can be financed for up to 240 months and are based on 80% equity of the assessed/appraised value of your primary residence. Payroll deduction and auto payments are available. The interest you pay on your loan may be tax deductible. Some fees may apply. (Rates) and eligibility are based on your credit report. Use our easy equation to determine your available borrowing equity: Calculate Your Available Home Equity

Home Equity Line of Credit
Borrow up to 80% of the available equity in your primary residence. There is no annual fee and easy access to funds by just calling and requesting a check or deposit. The variable (rate) is adjusted semi annually in March and September and the rate is computed by adding 0.50% to the current prime rate as per the Wall Street Journal. No annual fee, and the interest you pay may also be tax deductible. Some fees my apply. Use our easy equation to determine your available borrowing equity: Calculate Your Available Home Equity

Student Loans

We are happy to offer our members a private student loan program to help fund their children's college education. Click here for more information.

Credit life
Pays off or reduces the eligible loan balance in the event of member’s death.

Credit disability
Makes loan payment(s) up to policy maximum in the event of total disability caused by covered injury or illness.

Single credit disability 
Covers loan payments if a primary income earner, who is a borrower on a loan, becomes totally disabled.