What are the current interest rates at WBH Employees Federal Credit Union?

Current rates for WBH Employees Federal Credit Union include: 12-Month CD: 2.85%, 24-Month CD: 3.00%

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WBH Employees Federal Credit Union

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WBH Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WBH Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

WBH Employees Federal Credit Union's top rates as of October 12, 2026 are 3.00% APY on its 24 Month IRA CD, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other WBH Employees Federal Credit Union CD rates include 24 Month CD at 3.00%, 12 Month IRA CD at 2.85%, and 12 Month CD at 2.85%. MonitorBankRates evaluates the financial stability of WBH Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.15%. Rates last updated and verified on 10/12/2026.

WBH Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at WBH Employees Federal Credit Union? Share your experience about WBH Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use WBH Employees Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.15%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

WBH Employees Federal Credit Union
WBH Federal Credit Union

2501 Broadway St
Paducah, KY 42001

https://www.wbhfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

WBH Employees Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month IRA Share Certificate	3.00%	3.00%	24 Month
Min Deposit $500 Details Minimum Opening Balance is $500.00; Average Daily Balance of $750.00 ea month on share draft only; Penalties will or may be imposed for early withdrawal; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
24 Month Share Certificate	3.00%	3.00%	24 Month
Min Deposit $500 Details Minimum Opening Balance is $500.00; Average Daily Balance of $750.00 ea month on share draft only; Penalties will or may be imposed for early withdrawal; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
12 Month IRA Share Certificate	2.85%	2.85%	12 Month
Min Deposit $500 Details Minimum Opening Balance is $500.00; Average Daily Balance of $750.00 ea month on share draft only; Penalties will or may be imposed for early withdrawal; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
12 Month Share Certificate	2.85%	2.85%	12 Month
Min Deposit $500 Details Minimum Opening Balance is $500.00; Average Daily Balance of $750.00 ea month on share draft only; Penalties will or may be imposed for early withdrawal; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
6 Month IRA Share Certificate	2.75%	2.75%	6 Month
Min Deposit $500 Details Minimum Opening Balance is $500.00; Average Daily Balance of $750.00 ea month on share draft only; Penalties will or may be imposed for early withdrawal; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
6 Month Share Certificate	2.75%	2.75%	6 Month
Min Deposit $500 Details Minimum Opening Balance is $500.00; Average Daily Balance of $750.00 ea month on share draft only; Penalties will or may be imposed for early withdrawal; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

WBH Employees Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Account	0.15%	0.15%
Details Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Vacation Club Account	0.15%	0.15%
Details Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

WBH Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan 2021-2024	4.75%	-	4.75%	Up to 36 months
Details Published rate range: 4.75% - 15.00%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2021-2024	5.00%	-	5.00%	Up to 60 months
Details Published rate range: 5.00% - 15.50%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2021-2024	5.25%	-	5.25%	Up to72 months
Details Published rate range: 5.25% - 16.00%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2021-2024	5.50%	-	5.50%	Up to 84 months
Details Published rate range: 5.50% - 9.00%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2017-2020	5.75%	-	5.75%	Up to 48 months
Details Published rate range: 5.75% - 16.50%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2017-2020	6.00%	-	6.00%	Up to 60 months
Details Published rate range: 6.00% - 16.50%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2017-2020	6.50%	-	6.50%	Up to 72 months
Details Published rate range: 6.50% - 16.50%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Auto Loan 2016 - Older	6.75%	-	6.75%	Up to 60 months
Details Published rate range: 6.75% - 17.00%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

WBH Employees Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.00%	Up to 60 months
Details Published rate range: 10.00% - 17.50%. Rate shown as range; APR within range based on credit score Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

WBH Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Shares Accounts	0.50%	-	0.50%
Details Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular and Special Shares	0.10%	-	0.10%
Min Balance $5 Details Balance: $5.00 - $4,999.99; Minimum Opening Balance is $500.00; Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular and Special Shares	0.20%	-	0.20%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Minimum Opening Balance is $500.00; Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular and Special Shares	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99; Minimum Opening Balance is $500.00; Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Regular and Special Shares	0.40%	-	0.40%
Min Balance $20,000 Details Balance: $20,000 - MAXIMUM; Minimum Opening Balance is $500.00; Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%
Share Drafts	0.01%	-	0.01%
Details Average Daily Balance of $750.00 each month on share draft only; Rate is variable and may change without notice after the account is opened; Fees may reduce earnings on the account Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

WBH Employees Federal Credit Union’s Texas Ratio fell from 17.58% in Q3 2023 to 0.15% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$18M	0.15%	5.0	A+
March 31, 2026	$17M	2.00%	5.0	A+
December 31, 2025	$17M	0.05%	5.0	A+
September 30, 2025	$17M	0.27%	5.0	A+
June 30, 2025	$17M	4.01%	5.0	A+
March 31, 2025	$17M	1.05%	5.0	A+
December 31, 2024	$16M	10.17%	5.0	A
September 30, 2024	$20M	6.01%	5.0	A
June 30, 2024	$20M	5.49%	5.0	A+
March 31, 2024	$20M	15.41%	5.0	A-
December 31, 2023	$20M	19.75%	4.6	B
September 30, 2023	$19M	17.58%	4.8	B+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for WBH Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather WBH Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with WBH Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WBH Employees Federal Credit Union

Website https://www.wbhfcu.com

Address 2501 Broadway St, Paducah, KY 42001

Phone 270-575-2776

Fax

President Greg Holtgrewe

CEO Lacey Blythe

Full-Time Employees 8

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.15%

Return on Assets (ROA)

-0.8749%

Return on Equity (ROE)

-6.7421%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

17,553,318

Total Amount of Shares and Deposits

15,133,946

Total Shares and Deposits < 1 Year

14,940,072

Total Shares and Deposits 1 3 Years

193,875

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

98,384

Total Uninsured Shares and Deposits > $250K (F+J)

98,384

Total Insured Shares and Deposits > $250K (item 17 less item K)

15,035,562

Total Interest Expense (Sum of items 6 8)

50,477

Share Certificates

Number of Accounts for Share Drafts

915

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,867

All other shares

365

Net Income (unless the amount is already included in Undivided Earnings)

-153,578

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,046,863

Total Liabilities

15,275,434

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

WBH Employees Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About WBH Employees Federal Credit Union

How many branches does WBH Employees Federal Credit Union operate?

WBH Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join WBH Employees Federal Credit Union?

Yes, to access services at WBH Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, WBH Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, WBH Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does WBH Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like WBH Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wbhfcu.com.