What are the current interest rates at Water and Power Community Credit Union?

Current rates for Water and Power Community Credit Union include: 12-Month CD: 3.15%, 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.55%, Savings: 0.05%, MMA: 0.65%

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Water and Power Community Credit Union

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Water and Power Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Water and Power Community 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: September 22, 2026

Water and Power Community Credit Union's 60 Month CD rates are at 3.55%, 60 Month IRA CDs rates are at 3.55%, 60 Month Tiered Rate Savings CDs rates are at 3.55%, 48 Month CD rates are at 3.45%, 48 Month IRA CDs rates are at 3.45%. Water and Power Community Credit Union's savings rates are at 0.05%. Water and Power Community Credit Union's money market rates are at 0.65%. Water and Power Community Credit Union's Jumbo loan rates are at 6.25%, Jumbo loan rates are at 6.88%. Water and Power Community Credit Union's Personal Loan Rates are as low as 9.49%. MonitorBankRates evaluates the financial stability of Water and Power Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.15%. Rates last updated and verified on 09/22/2026.

Water and Power Community 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 Water and Power Community Credit Union? Share your experience about Water and Power Community Credit Union by leaving a review below, or read customer reviews before you decide to use Water and Power Community Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.15%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Water and Power Community Credit Union
Water and Power Community Credit Union

1053 W Sunset Blvd
Los Angeles, CA 90012-2134

https://www.wpcu.org

Water and Power Community Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	3.50%	3.55%	60 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month Certificate	3.41%	3.45%	48 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month Certificate	3.31%	3.35%	36 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month Certificate	3.21%	3.25%	24 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month Certificate	3.16%	3.20%	18 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month Certificate	3.11%	3.15%	12 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month Certificate	3.11%	3.15%	6 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month Flexible Savings Certificate	3.11%	3.15%	6-months
Min Deposit $5,000 Min Balance $5,000 Details Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Minimum daily account balance of $5,000 required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Flexible Savings Certificate 6-month	3.11%	3.15%	6 months
Min Deposit $5,000 Min Balance $5,000 Details Minimum Balance $5,000. Three deposits per six month maturity period allowed. One in-branch (maximum $750) withdrawal per month allowed. Early withdrawal subject to penalty. Fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month Certificate	3.02%	3.05%	3 months
Min Deposit $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $50,000 Details Balance: $50,000 to $98,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $99,000 Details Balance of $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $99,000 Details Balance $99,000 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Savings Rates

Product	Rate	APY
Holiday Savings Club	-	1.00%
Min Deposit $50 Min Balance $50 Details Early withdrawal penalty applies. Members must maintain a $25 account balance in their primary savings account in addition to the Holiday Savings Club account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Savings Account	-	0.05%
Min Deposit $25 Min Balance $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.50%	1.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000+. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999.99. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $9,999.99. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $24,999.99. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999.99. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99. Withdrawals made through Bank by Phone, the Call Center and Online Banking are limited to 6 per month. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	-	0.02%
Details Refer to Schedule of Fees and Charges. Rates on savings, money market, and checking are variable and subject to change after account opening. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo loan	6.25%	-	6.32%	15-year Fixed
Details Jumbo loan amounts over the High Balance County Loan Limit; maximum LTV is 70% for $2.5M. Payment examples based on 20% down payment or 80% CLTV, FICO 700+, $1,249,125 Loan Amounts. Rates as of 8/11/2026. Offer is for new applications only and not valid for refinancing existing WPCCU loans. Rates valid for a limited time only and may be withdrawn at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Jumbo loan	6.88%	-	6.92%	30-year Fixed
Details Jumbo loan amounts over the High Balance County Loan Limit; maximum LTV is 70% for $2.5M. Payment examples based on 20% down payment or 80% CLTV, FICO 700+, $1,249,125 Loan Amounts. Rates as of 8/11/2026. Offer is for new applications only and not valid for refinancing existing WPCCU loans. Rates valid for a limited time only and may be withdrawn at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	8.00%
Details As Low As; Rate: Wall Street Prime plus a margin of 1.000% to 2.250%; as of 9/16/2026 , current rate is 8.000% to 9.250% APR. Maximum APR is 18.00%. Other rates available; maximum loan amount is $100,000; maximum CLTV is 80%. WPCCU membership required. Please request a consultation for more details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans New Vehicle	-	-	4.09%	37-60 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Auto Loans New Vehicle	-	-	4.59%	61-72 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Auto Loans Used Vehicle	-	-	4.59%	1-36 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Auto Loans Used Vehicle	-	-	4.84%	37-60 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Auto Loans New Vehicle	-	-	5.09%	73-84 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Auto Loans Used Vehicle	-	-	5.09%	61-72 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Auto Loans Used Vehicle	-	-	5.54%	73-84 months
Details Rates shown include 0.90% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RV Loans (New motorhomes and towable travel trailers)	-	7.00%	24 - 60 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
RV Loans (New motorhomes and towable travel trailers)	-	7.00%	61 - 72 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
RV Loans (New motorhomes and towable travel trailers)	-	7.13%	73-84 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
RV Loans (New motorhomes and towable travel trailers)	-	7.38%	85-120 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
RV Loans (New motorhomes and towable travel trailers)	-	7.63%	121 - 180 months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan (Unsecured)	9.49%	12-60 months
Details Rate shown includes 0.50% APR loan rate discount for automatic payment. Discount may end at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Water and Power Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Power Advance Loan	28.00%	-	28.00%	60 days
Details Loan Amount $300; Fees $20.00; Amt Received $280 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Power Cash Loan	-	-	28.00%	6-15 months
Details Relationship Based Automatic Payment Required Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Solar Loan	-	-	6.49%	12 years
Details Maximum amount $150,000. Available for properties in California only. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Solar Loan	-	-	6.99%	15 years
Details Maximum amount $150,000. Available for properties in California only. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Solar Loan	-	-	7.49%	20 years
Details Maximum amount $150,000. Available for properties in California only. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

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.
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Financial Health History

Water and Power Community Credit Union’s Texas Ratio fell from 4.75% in Q2 2023 to 4.15% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$991M	4.15%	5.0	A+
December 31, 2025	$971M	5.19%	5.0	A+
September 30, 2025	$1.0B	5.74%	5.0	A+
June 30, 2025	$957M	5.62%	5.0	A+
March 31, 2025	$981M	6.86%	5.0	A
December 31, 2024	$945M	5.91%	5.0	A+
September 30, 2024	$961M	6.20%	5.0	A
June 30, 2024	$943M	4.83%	5.0	A+
March 31, 2024	$976M	3.66%	5.0	A+
December 31, 2023	$972M	4.63%	5.0	A+
September 30, 2023	$951M	4.08%	5.0	A+
June 30, 2023	$928M	4.75%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Water and Power Community 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 Water and Power Community 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 Water and Power Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Water and Power Community Credit Union

Website https://www.wpcu.org

Address 1053 W Sunset Blvd, Los Angeles, CA 90012-2134

Phone 213-580-1600

Fax

President Venest Henry-Evans

CEO Mike Tufegdzich

Full-Time Employees 111

Part-Time Employees 6

Branch Locations 4

ATM Locations 4

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

4.15%

Return on Assets (ROA)

0.1681%

Return on Equity (ROE)

1.8334%

Non-Performing Loans Ratio (NPL)

0.59%

Total Assets

990,764,424

Total Amount of Shares and Deposits

834,545,319

Total Shares and Deposits < 1 Year

816,993,783

Total Shares and Deposits 1 3 Years

12,604,804

Total Shares and Deposits > 3 Years

4,946,732

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

102,643,098

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

102,643,098

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

731,902,221

Total Interest Expense (Sum of items 6 8)

2,247,995

Share Certificates

3,363

Number of Accounts for Share Drafts

28,229

IRA KEOGH Accounts

647

Number of Accounts for Regular Shares

50,527

Money Market Shares

2,722

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)

19,066,072

Total Liabilities

928,839,991

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Water and Power Community Credit Union earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Water and Power Community Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Water and Power Community Credit Union

Frequently Asked Questions About Water and Power Community Credit Union

How many branches does Water and Power Community Credit Union operate?

Water and Power Community 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 Water and Power Community Credit Union?

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

Does Water and Power Community Credit Union offer online and mobile banking?

Most modern institutions like Water and Power Community 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.wpcu.org.

Current Water and Power Community Credit Union Rates

12-Month CD3.15%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.55%
Savings0.05%
MMA0.65%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Water and Power Community Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Water and Power Community Credit Union Texas Ratio

Water and Power Community Credit Union Health Trend

Water and Power Community Credit Union CD Rates

Water and Power Community Credit Union Savings Rates

Water and Power Community Credit Union Money Market Rates

Water and Power Community Credit Union Checking Rates

Water and Power Community Credit Union Mortgage Rates

Water and Power Community Credit Union Home Equity & HELOC

Water and Power Community Credit Union Auto Loan Rates

Water and Power Community Credit Union RV, Boat and Powersport Loan Rates

Water and Power Community Credit Union Personal Loan Rates

Water and Power Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Water and Power Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Water and Power Community Credit Union

How many branches does Water and Power Community Credit Union operate?

Is a member application needed to join Water and Power Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Water and Power Community Credit Union offer online and mobile banking?

Current Water and Power Community Credit Union Rates

Compare to Other Credit Unions