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The Wright Credit Union

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The Wright Credit Union Rates & Review May 2026

Q: How many branches does The Wright Credit Union operate?

The Wright 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.

Q: Is a member application needed to join The Wright Credit Union?

Yes, to access services at The Wright 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Wright 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: May 11, 2026

You can compare The Wright Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.79%, 6-month share certificate rates at 0.30% and 3-month share certificate rates at 3.65%. Savings rates are at 0.75% and money market rates are at 2.50%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates can be compared to The Wright Credit Union rates. MonitorBankRates evaluates the financial stability of The Wright Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.60%. Rates were last updated on 05/11/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.60%

Excellent Lower than avg

The Wright Credit Union
The Wright Credit Union

286 N Broad St
Toccoa, GA 30577

https://thewrightcu.org

Current Rate Availability

We do not have The Wright 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 Wright 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 Wright 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 Wright Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Wright Credit Union

Website https://thewrightcu.org

Address 286 N Broad St, Toccoa, GA 30577

Phone 706-886-2908

Fax 706-886-0154

President Mark Richardson

CEO Alaina LaCount

Full-Time Employees 6

Part-Time Employees 3

Branch Locations 2

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+ (98/100)

Texas Ratio

4.60%

Return on Assets (ROA)

0.5188%

Return on Equity (ROE)

3.0506%

Non-Performing Loans Ratio (NPL)

1.23%

Total Assets

16,407,357

Total Amount of Shares and Deposits

13,653,908

Total Shares and Deposits < 1 Year

13,234,383

Total Shares and Deposits 1 3 Years

319,435

Total Shares and Deposits > 3 Years

100,090

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

329,976

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

329,976

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

13,323,932

Total Interest Expense (Sum of items 6 8)

90,752

Share Certificates

123

Number of Accounts for Share Drafts

769

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,020

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,290,536

Total Liabilities

13,682,885

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About The Wright Credit Union

How many branches does The Wright Credit Union operate?

The Wright 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 Wright Credit Union?

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

Does The Wright Credit Union offer online and mobile banking?

Most modern institutions like The Wright 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://thewrightcu.org.