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Waco Federal Credit Union

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Waco Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join Waco Federal Credit Union?

Yes, to access services at Waco 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Waco Federal 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 and Verified: August 29, 2026

Waco Federal Credit Union's Personal Loan Rates are at 5.00%. MonitorBankRates evaluates the financial stability of Waco Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.49%

Excellent Lower than avg

Waco Federal Credit Union
Main

826 N 3rd St
Waco, TX 76707

https://www.wacofcu.org

Waco Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Car Loan	-	-	5.00%
Details As Low As; Loan Incentive Program Offered Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
Used Car Loan	-	-	6.50%
Details As Low As; Loan Incentive Program Offered Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Waco 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 Waco 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 Waco Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Waco Federal Credit Union

Website https://www.wacofcu.org

Address 826 N 3rd St, Waco, TX 76707

Phone 254-753-0361

Fax 254-753-0371

President Gene Robinson

CEO Tony Head

Full-Time Employees 4

Part-Time Employees 5

Branch Locations 2

ATM Locations 0

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

3.49%

Return on Assets (ROA)

0.8361%

Return on Equity (ROE)

8.5629%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

19,644,918

Total Amount of Shares and Deposits

17,498,785

Total Shares and Deposits < 1 Year

17,384,353

Total Shares and Deposits 1 3 Years

114,432

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

288,800

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

288,800

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

17,209,985

Total Interest Expense (Sum of items 6 8)

57,009

Share Certificates

Number of Accounts for Share Drafts

895

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,944

All other shares

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)

1,454,769

Total Liabilities

17,726,782

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Waco Federal 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

Add Your Rating and Review for Waco Federal Credit Union

Frequently Asked Questions About Waco Federal Credit Union

How many branches does Waco Federal Credit Union operate?

Waco 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 Waco Federal Credit Union?

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

Does Waco Federal Credit Union offer online and mobile banking?

Most modern institutions like Waco 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.wacofcu.org.