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Whether it's financing a car, making home improvements, or paying educational expenses, One Community FCU will always do our best to help you.

Facts to remember:

  • Competitive Loan Rates
  • No Loan Application Fee
  • No Prepayment Penalty Charge
  • Lending Decisions Made Locally [usually within 30 minutes or less]
  • Electronic Payments Through Payroll Deduction
  • Consideration On Matching Rates With Other Financial Institutions
  • Easy Online Application Process
  • Life & Disability Insurance Offered On Most Loans

At One Community we offer insurance to protect your life, property & your financial well-being. Credit Life and/or Disability Insurance may be added at your request to any consumer loan. (Restrictions apply). GAP Insurance and extended warranty coverage is available for select types of loans.

One Community FCU Loans

Mortgage Loans

At One Community FCU, we know there's no place like home. Whether you're buying your first home or refinancing your current home, we offer a variety of options for you.

First Mortgages

We offer conventional, FHA, USDA and VA options for first mortgages. Whether you are buying a new home or looking to lower your current rate, we have an option for you.

We currently offer fixed rate mortgages for your new home purchase or a refinance of your current mortgage. Looking to buy a second home or an investment property, we can help you too!

Apply today online!

Need qualified guidance in leading you through the process? Contact us today and speak with our Mortgage Specialist, at 304.485.4066 or

*Mortgage interest rates can change daily. Please call 304.485.4066 for current list of mortgage rates.

Home Equity Line Of Credit

You want to take cash out for that dream vacation or remodel your existing home, we can make that happen. We offer a 20 year loan with no closing cost! Up to 80% LTV.

Logo - Equal Housing Opportunity

One Community FCU Loans

Auto Loans

Looking for that dream car? We’re here to help you.

No need to drive to the dealership, simply type the make and model you are searching for below and see if it’s at a dealer near you! We are eager to assist you in the loan process, and are available for any questions or concerns you may have.

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!


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*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

RV and Travel Trailer Loan

Motorcycle, Boat, and UTV loan

Farm Equipment Loans

Personal Loans

Secured Loans

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If you are an existing Online Banking user, please use the following to log in to our new Online Banking system:

• LOGON ID is your Primary Member Number. Example:

SECURITY CODE (Password) is the last 4-digits of the Primary Account Holder’s SSN

Example: 9876
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For assistance, contact 304-485-4066
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