Credit union · NCUA insured
Whitesville Community Credit Union
A $39.9M credit union headquartered in Whitesville, KY, with 2,810 members and 1 branch in Kentucky. Best rates: savings 0.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings790.50%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Whitesville Community Credit Union
Founded in April 1962 as St. Mary's Credit Union, the institution was established to provide members with a safe place for savings and low-cost loans.
It renamed to Whitesville Community Credit Union in 1968 and merged with Modern Employees Federal Credit Union effective December 31, 2025.
The credit union serves individuals who live, work, or worship across Davies, Hancock, Henderson, Ohio, Webster, McLean, and Union counties.
- Headquarters
- 10589 Franklin St, Whitesville, KY 42378
- NCUA charter
- 62432
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships in Davies, Hancock, Henderson, Ohio, Webster, McLean, or Union County.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Whitesville Community Credit UnionMain office10589 Franklin St, Whitesville, KY 42378Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.40% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.82% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 2.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio12.40%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.82%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets2.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Whitesville Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.