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The West Tennessee Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 16, 2026

You can compare The West Tennessee Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.10%, 6-month share certificate rates at 1.51% and 3-month share certificate rates at 0.20%. Savings rates are at 0.55% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to The West Tennessee Credit Union rates. MonitorBankRates evaluates the financial stability of The West Tennessee Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.02%. Rates were last updated on 05/16/2026.

The West Tennessee 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 The West Tennessee Credit Union? Share your experience about The West Tennessee Credit Union by leaving a review below, or read customer reviews before you decide to use The West Tennessee Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
12.02%
Excellent Higher than avg
The West Tennessee Credit Union
The West Tennessee Credit Union
13690 Highway 51 S
Atoka, TN 38004
https://www.wtncu.org
Member NCUA

Current Rate Availability

We do not have The West Tennessee Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for The West Tennessee 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 The West Tennessee 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 The West Tennessee Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The West Tennessee Credit Union
Website https://www.wtncu.org
Address 13690 Highway 51 S, Atoka, TN 38004
Phone 901-837-0431
Fax 901-837-0438
President Walter Wise
CEO Kenneth Newberry
Full-Time Employees 4
Part-Time Employees 1
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 (94/100)
Texas Ratio
12.02%
Return on Assets (ROA)
0.3129%
Return on Equity (ROE)
2.8286%
Non-Performing Loans Ratio (NPL)
1.75%
Total Assets
18,058,806
Total Amount of Shares and Deposits
15,949,750
Total Shares and Deposits < 1 Year
15,949,751
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,366,051
Total Uninsured Shares and Deposits > $250K (F+J)
2,366,051
Total Insured Shares and Deposits > $250K (item 17 less item K)
13,583,699
Total Interest Expense (Sum of items 6 8)
79,912
Share Certificates
27
Number of Accounts for Share Drafts
604
IRA KEOGH Accounts
6
Number of Accounts for Regular Shares
1,643
All other shares
164
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,597,607
Total Liabilities
16,083,793
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for The West Tennessee Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About The West Tennessee Credit Union

How many branches does The West Tennessee Credit Union operate?

The West Tennessee 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 The West Tennessee Credit Union?

Yes, to access services at The West Tennessee 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, The West Tennessee 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, The West Tennessee Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does The West Tennessee Credit Union offer online and mobile banking?

Most modern institutions like The West Tennessee 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.wtncu.org.

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