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iAdvertiser Disclosure
Advertiser Disclosure
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 Wakota Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 6, 2026
Wakota Federal Credit Union's CD SPECIALS 14 month term rates are at 3.25%. Wakota Federal Credit Union's savings rates are at 0.00%. Wakota Federal Credit Union's money market rates are at 0.00%. Wakota Federal Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of Wakota Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.95%. Rates were last updated on 04/06/2026. Wakota 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 Wakota Federal Credit Union? Share your experience about Wakota Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Wakota Federal Credit Union. Wakota Federal Credit Union
Main Office 1151 Southview Blvd
https://www.wakotafcu.org South St Paul, MN 55075 
Wakota Federal Credit Union CD Rates
Wakota Federal Credit Union Savings Rates
Wakota Federal Credit Union Money Market Rates
Wakota Federal Credit Union Checking Rates
Wakota Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Wakota 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 Wakota 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 Wakota Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Wakota Federal Credit Union
Website
https://www.wakotafcu.org
Address
1151 Southview Blvd,
South St Paul, MN 55075
Phone
651-451-3330
Fax
651-451-1385
President
Adam Swartz
CEO
Mary Matheson
Full-Time Employees
9
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.95%
Return on Assets (ROA)
1.0971%
Return on Equity (ROE)
10.9991%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
45,639,513
Total Amount of Shares and Deposits
40,654,838
Total Shares and Deposits < 1 Year
40,376,100
Total Shares and Deposits 1 3 Years
267,114
Total Shares and Deposits > 3 Years
11,624
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
153,153
Total Uninsured Shares and Deposits > $250K (F+J)
153,153
Total Insured Shares and Deposits > $250K (item 17 less item K)
40,501,685
Total Interest Expense (Sum of items 6 8)
288,514
Share Certificates
290
Number of Accounts for Share Drafts
1,983
Number of Accounts for Regular Shares
4,377
All other shares
115
Money Market Shares
126
Net Income (unless the amount is already included in Undivided Earnings)
500,689
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,784,211
Total Liabilities
41,087,442
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Wakota Federal Credit UnionIs Wakota Federal Credit Union a safe place to deposit money?Yes, Wakota Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.9513946509182%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Wakota Federal Credit Union operate?Wakota 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 Wakota Federal Credit Union?Yes, to access services at Wakota 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, Wakota 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, Wakota Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Wakota Federal Credit Union offer online and mobile banking?Most modern institutions like Wakota 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.wakotafcu.org. Current Wakota Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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