Apply for Your Loan Today

Whatever your goal may be, West Virginia Federal Credit Union has a loan to help you meet your specific borrowing needs. We offer Secured and Signature loans for virtually any purpose, New and Used Auto, as well as a full range of loan products. A professional, courteous staff is on hand to assist you. The ultimate goal of our Lending Department is convenience.

Take Advantage of West Virginia Federal Credit Union's Super Competitive Rates

We offer low-cost loans with flexible terms, local decisions, and servicing. Now available eSign.

Payment Address:

West Virginia Federal Credit Union
Payment Processing Center
P.O. Box 18487
South Charleston, WV 25303-8487

New & Used Auto Loans

Let Us Put You in the Driver's Seat

Call or stop by one of our convenient locations for more information.

Recreational Vehicle Loan

Fun Made Affordable With Boat, ATV, RV & Camper Loans!

  • Use funds to purchase recreational vehicles of all kinds

  • Motorcycles

  • ATVs

  • RVs

  • Boats and other watercrafts

Buy that ride you’ve always wanted! Stop by one of our convenient locations to speak with a Loan Representative.

Personal Loan

Dependable Financing Solutions When You Need Them

  • Use funds for practically any purpose

  • Pay off other debts at a lower rate

  • Simplify payments with auto transfer or payroll deduction

  • Refinance options available

We'll help you through the process - stop by one of our convenient locations to get started!

Personal Service Line of Credit

  • Personal Line of Credit

  • Use funds for practically any purpose

  • Pay off other debts at a lower rate

  • Emergency funds

  • Get advances online

  • Get advances by phone via PAT

  • 3-year draw period

Get the money you need today - stop by one of our convenient locations to find out more!

Share Secured Loans

  • Enjoy the lowest interest rates of any loan

  • Secured with the savings you already have at West Virginia Federal Credit Union

  • Use funds for practically any purpose

  • Cover unexpected expenses

  • Home Improvements

  • Continue to earn dividends on the full amount of your savings

  • Plus, you can also use your savings to secure a loan for a friend or family member!

We'll make it easy for you - stop by one of our convenient locations to get started!

Holiday Loan

Get Your Holiday Loan Starting October 14 - December 23!

Get your mitts on more cash. Holiday loans as low as 4.99% (6.88% APR)

Skip-A-Payment

Skip-A-Payment 

  • Defer loan payment for the month of December or January

  • A $ 25 processing fee applies for each loan deferment

  • Fee can be drafted from a Share Savings or Checking Account

  • Must receive a Skip-A-Payment request at least 10 days prior to the due date

  • Member account must be current at the time of request

  • Must reflect a history of 6 consecutive payments to take advantage of this offer

  • Personal Service Loans, Home Equity Loans, and Mortgages are excluded from this offer

  • Two Skip -A- Payments per member for the life of the loan

  • Certain other restrictions apply

Application - SKIP-A-PAY APPLICATION - Complete application and drop off at your nearest branch location.

Vacation Loan

March 1, 2025 - August 31, 2025

Rates as Low as 6.90% APR* (Interest Rate 4.99%)

Need to Get Away This Summer? Ask About Our Vacation Loan Special

  • $1,000 Minimum & $2,500 Maximum

  • $25 Processing Fee

  • 1st payment due date 30 days from disbursement

  • 12-month term

Available at WVFCU now through August 31, 2022.  First payment due 30 days from disbursement of proceeds, maximum term 12 months. The 6.90% APR* (Annual Percentage Rate) is based on a loan of $2500 with a term of 12 months, with a payment of 214.04 and an interest rate of 4.99%, which includes a $25 processing fee. Vacation Loan interest rates range from 4.99% -10.99%. All loans are subject underwriting guidelines. Additional terms and conditions may apply.