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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

WBH Employees Federal Credit Union Rates & Review September 2026

WBH Employees Federal Credit Union's IRA CD - 24 Month rates are at 3.00%, CD - 24 Month rates are at 3.00%, IRA CD - 12 Month rates are at 2.85%, CD - 12 Month rates are at 2.85%, IRA CD - 6 Month rates are at 2.75%. WBH Employees Federal Credit Union's Personal Loan Rates are as low as 10.00%. 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 2.00%. Rates last updated and verified on 09/20/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.00%
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
Member NCUA

WBH Employees Federal Credit Union CD Rates

Product Rate APY Term View More
IRA Share Certificate - 24 Month 3.00% 3.00% 24 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Share Certificate - 24 Month 3.00% 3.00% 24 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
IRA Share Certificate - 12 Month 2.85% 2.85% 12 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Share Certificate - 12 Month 2.85% 2.85% 12 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
IRA Share Certificate - 6 Month 2.75% 2.75% 6 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Share Certificate - 6 Month 2.75% 2.75% 6 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%

WBH Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan 2021-2024 4.75% - 4.75% Up to 36 Mos
Details Published APR range: 4.75% - 15.00%; Published rate range: 4.75% - 15.00%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2021-2024 5.00% - 5.00% Up to 60 Mos
Details Published APR range: 5.00% - 15.50%; Published rate range: 5.00% - 15.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2021-2024 5.25% - 5.25% Up to72 Mos
Details Published APR range: 5.25% - 16.00%; Published rate range: 5.25% - 16.00%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2021-2024 5.50% - 5.50% Up to 84 Mos
Details Published APR range: 5.50% - 9.00%; Published rate range: 5.50% - 9.00%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2017-2020 5.75% - 5.75% Up to 48 Mos
Details Published APR range: 5.75% - 16.50%; Published rate range: 5.75% - 16.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2017-2020 6.00% - 6.00% Up to 60 Mos
Details Published APR range: 6.00% - 16.50%; Published rate range: 6.00% - 16.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2017-2020 6.50% - 6.50% Up to 72 Mos
Details Published APR range: 6.50% - 16.50%; Published rate range: 6.50% - 16.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Auto Loan 2016 - Older 6.75% - 6.75% Up to 60 Mos
Details Published APR range: 6.75% - 17.00%; Published rate range: 6.75% - 17.00%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%

WBH Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boats/RVs 2021-2024 Loan 8.25% 8.25% Up to 36 Mos
Details Published APR range: 8.25% - 17.00%; Published rate range: 8.25% - 17.00%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Motorcycles 2021-2024 Loan 8.25% 8.25% Up to 36 Mos
Details Published APR range: 8.25% - 16.00%; Published rate range: 8.25% - 16.00%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Boats/RVs 2021-2024 Loan 8.50% 8.50% Up to 60 Mos
Details Published APR range: 8.50% - 17.25%; Published rate range: 8.50% - 17.25%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Boats/RVs 2021-2024 Loan 8.75% 8.75% Up to 84 Mos
Details Published APR range: 8.75% - 11.75%; Published rate range: 8.75% - 11.75%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Motorcycles 2021-2024 Loan 8.75% 8.75% Up to 60 Mos
Details Published APR range: 8.75% - 16.50%; Published rate range: 8.75% - 16.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Boats/RVs 2017-2020 Loan 9.00% 9.00% Up to 84 Mos
Details Published APR range: 9.00% - 17.50%; Published rate range: 9.00% - 17.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Motorcycles 2017-2020 Loan 9.00% 9.00% Up To 60 Mos
Details Published APR range: 9.00% - 17.25%; Published rate range: 9.00% - 17.25%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Boats/RVs 2016 - Older Loan 9.50% 9.50% Up to 72 Mos
Details Published APR range: 9.50% - 17.50%; Published rate range: 9.50% - 17.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Motorcycles 2016 - Older Loan 9.50% 9.50% Up to 60 Mos
Details Published APR range: 9.50% - 17.50%; Published rate range: 9.50% - 17.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%
Recreational/Other Collateral Loan 9.50% 9.50% Up to 60 Mos
Details Published APR range: 9.50% - 17.50%; Published rate range: 9.50% - 17.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%

WBH Employees Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Loan 10.00% Up to 60 Mos
Details Published APR range: 10.00% - 17.50%; Published rate range: 10.00% - 17.50%. CD Secured 2.00% above rate 3.00% floor; For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score.; Please ask for the initial rate you qualify for.; You will be charged a lien filing fee for any advance in which we take a security interest in your collateral.; You agree to pay all cost of the collecting amount you owe under this agreement to the fullest extent permitted by state law.; If you are more than 10 days late in making a payment, you will be charged a $15.00 late fee until the payment is made in full.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.00%

Financial Health History

WBH Employees Federal Credit Union’s Texas Ratio fell from 10.95% in Q2 2023 to 2.00% in Q1 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 5.0 to 5.0 and its Health Grade from A 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.

0% 1.0★ 7% 2.0★ 13% 3.0★ 20% 4.0★ 27% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 10.95% A Q2 2023 B+ Q3 2023 B Q4 2023 A- Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 2.00% A+ Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$17M2.00%5.0A+
December 31, 2025$17M0.05%5.0A+
September 30, 2025$17M0.27%5.0A+
June 30, 2025$17M4.01%5.0A+
March 31, 2025$17M1.05%5.0A+
December 31, 2024$16M10.17%5.0A
September 30, 2024$20M6.01%5.0A
June 30, 2024$20M5.49%5.0A+
March 31, 2024$20M15.41%5.0A-
December 31, 2023$20M19.75%4.6B
September 30, 2023$19M17.58%4.8B+
June 30, 2023$18M10.95%5.0A
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
Address 2501 Broadway St, Paducah, KY 42001
Phone 270-575-2776
Fax
President Greg Holtgrewe
CEO Lacey Blythe
Full-Time Employees 7
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+ (99/100)
Texas Ratio
2.00%
Return on Assets (ROA)
-0.5294%
Return on Equity (ROE)
-3.8425%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
17,038,647
Total Amount of Shares and Deposits
14,630,774
Total Shares and Deposits < 1 Year
14,402,606
Total Shares and Deposits 1 3 Years
228,167
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
181,181
Total Uninsured Shares and Deposits > $250K (F+J)
181,181
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,449,593
Total Interest Expense (Sum of items 6 8)
26,405
Share Certificates
61
Number of Accounts for Share Drafts
984
IRA KEOGH Accounts
22
Number of Accounts for Regular Shares
2,269
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)
3,404,245
Total Liabilities
14,691,369
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
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 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/w-b-h-employees-federal-credit-union-rates-review-10274">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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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.

Current WBH Employees Federal Credit Union Rates

  • 12-Month CD2.85%
  • 24-Month CD3.00%
Retrieved from our database of financial products. Rates subject to change.