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Water and Power Community Credit Union

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Water and Power Community Credit Union Rates & Review November 2026

Q: 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: 1.00%, MMA: 1.50%

Q: What CD terms does Water and Power Community Credit Union offer?

Water and Power Community Credit Union CD rates are 3.15% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.35% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Water and Power Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Water and Power Community Credit Union's 60 Month Tiered Rate Savings CDs rates are at 3.55%, 48 Month Tiered Rate Savings CDs rates are at 3.45%, 36 Month Tiered Rate Savings CDs rates are at 3.35%, 24 Month Tiered Rate Savings CDs rates are at 3.25%, 18 Month Tiered Rate Savings CDs rates are at 3.20%. Water and Power Community Credit Union's savings rates are at 1.00%. Water and Power Community Credit Union's money market rates are at 1.50%. Water and Power Community Credit Union's checking rates are as high as 0.02%. Water and Power Community Credit Union's Personal Loan Rates are as low as 6.49%. Water and Power Community Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 3.77%. Rates last updated and verified on 10/30/2026.

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

3.77%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Water and Power Community Credit Union CD Rates

Product	Rate	APY	Term
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month IRA Certificates	3.50%	3.55%	60 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
60 Month Tiered Rate Savings Certificates	3.50%	3.55%	60 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month IRA Certificates	3.41%	3.45%	48 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
48 Month Tiered Rate Savings Certificates	3.41%	3.45%	48 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month IRA Certificates	3.31%	3.35%	36 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
36 Month Tiered Rate Savings Certificates	3.31%	3.35%	36 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month IRA Certificates	3.21%	3.25%	24 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
24 Month Tiered Rate Savings Certificates	3.21%	3.25%	24 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month IRA Certificates	3.16%	3.20%	18 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
18 Month Tiered Rate Savings Certificates	3.16%	3.20%	18 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month IRA Certificates	3.11%	3.15%	12 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
12 Month Tiered Rate Savings Certificates	3.11%	3.15%	12 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month IRA Certificates	3.11%	3.15%	6 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
6 Month Tiered Rate Savings Certificates	3.11%	3.15%	6 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Flexible Savings Certificate - Regular 6-month Flex	3.11%	3.15%	6 months
Min Balance $5,000 Details Minimum daily account balance of $5,000; Three deposits per six month maturity period; One in-branch withdrawal (max $750) per month; Effective Date: 09/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month IRA Certificates	3.02%	3.05%	3 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
3 Month Tiered Rate Savings Certificates	3.02%	3.05%	3 months
Min Balance $99,000 Details Balance: $99,000 and over; APY subject to early withdrawal penalties Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Water and Power Community Credit Union Savings Rates

Product	Rate	APY
Holiday Savings Club	-	1.00%
Min Balance $50 Details 1.0% APY earns up to $5,000; deposits above $5,000 earn prevailing rate; Term share account with early withdrawal penalty; Requires $25 balance in primary savings account; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Savings Account	-	0.05%
Min Balance $25 Details Effective Date: 07/01/2026; Rates are variable and subject to change Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

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+; Effective Date: 07/01/2026; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Market Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Effective Date: 07/01/2026; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 to $9,999.99; Effective Date: 07/01/2026; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $24,999.99; Effective Date: 07/01/2026; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Effective Date: 07/01/2026; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Market Account	0.65%	0.65%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Effective Date: 07/01/2026; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Money Market Account	0.00%	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $2,499.99; Effective Date: 07/01/2026; Balances below $2,500 earn stated rate; Withdrawals limited to 6 per month by phone/online Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Water and Power Community Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account (Advantage accounts only)	-	0.02%
Details Effective Date: 07/01/2026; Refer to Schedule of Fees and Charges; Rates are variable and subject to change Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Water and Power Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	8.00%
Details As Low As; HELOC rate as low as 8.00% APR; Wall Street Prime plus margin of 1.000% to 2.250%; as of 9/16/2026 current rate is 8.000% to 9.250% APR; Maximum APR 18.00%; maximum loan amount $100,000; maximum CLTV 80%; WPCCU membership required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Water and Power Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle	-	-	4.24%	1-36 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - New Vehicle	-	-	4.49%	37-60 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.09% → 4.49% ▲ 0.40 pts · high 4.49% / low 4.09% Oct 30, 20264.49%▲ from 4.09% Sep 22, 20264.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - New Vehicle	-	-	4.99%	61-72 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.59% → 4.99% ▲ 0.40 pts · high 4.99% / low 4.59% Oct 30, 20264.99%▲ from 4.59% Sep 22, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - Used Vehicle	-	-	4.99%	1-36 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.59% → 4.99% ▲ 0.40 pts · high 4.99% / low 4.59% Oct 30, 20264.99%▲ from 4.59% Sep 22, 20264.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - Used Vehicle	-	-	5.24%	37-60 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 4.84% → 5.24% ▲ 0.40 pts · high 5.24% / low 4.84% Oct 30, 20265.24%▲ from 4.84% Sep 22, 20264.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - New Vehicle	-	-	5.49%	73-84 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 5.09% → 5.49% ▲ 0.40 pts · high 5.49% / low 5.09% Oct 30, 20265.49%▲ from 5.09% Sep 22, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - Used Vehicle	-	-	5.49%	61-72 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 5.09% → 5.49% ▲ 0.40 pts · high 5.49% / low 5.09% Oct 30, 20265.49%▲ from 5.09% Sep 22, 20265.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loan - Used Vehicle	-	-	5.94%	73-84 months
Details As Low As; APR includes 0.50% automatic payment discount; Effective Date: 10/20/2026; Up to 125% financing available; Rates on approved credit Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 5.54% → 5.94% ▲ 0.40 pts · high 5.94% / low 5.54% Oct 30, 20265.94%▲ from 5.54% Sep 22, 20265.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

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

Product	Rate	APR	Term
RV Loan (New motorhomes and towable travel trailers)	-	7.00%	24 - 60 months
Details As Low As; 90% financing available; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
RV Loan (New motorhomes and towable travel trailers)	-	7.00%	61 - 72 months
Details As Low As; 90% financing available; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
RV Loan (New motorhomes and towable travel trailers)	-	7.13%	73-84 months
Details As Low As; 90% financing available; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
RV Loan (New motorhomes and towable travel trailers)	-	7.38%	85-120 months
Details As Low As; 90% financing available; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
RV Loan (New motorhomes and towable travel trailers)	-	7.63%	121 - 180 months
Details As Low As; 90% financing available; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.63% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Water and Power Community Credit Union Personal Loan Rates

Product	APR	Term
Solar Loan	6.49%	12 years
Details As Low As; Maximum amount $150,000; Minimum $5,000 financing; Properties in California only; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Solar Loan	6.99%	15 years
Details As Low As; Maximum amount $150,000; Minimum $5,000 financing; Properties in California only; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Solar Loan	7.49%	20 years
Details As Low As; Maximum amount $150,000; Minimum $5,000 financing; Properties in California only; Effective Date: 07/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Signature Loan (Unsecured)	9.49%	12-60 months
Details As Low As; Maximum amount $40,000; APR includes 0.50% automatic payment discount; Effective Date: 08/16/2026 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

Water and Power Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Power Advance Loan	28.00%	-	28.00%	60 days
Details $300; Loan Amount: $300; Fees: $20.00; Amount Received: $280; Effective Date: 07/01/2026; One payment due at maturity Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 28.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Power Cash Loan	-	-	28.00%	6-15 months
Details As Low As; Relationship Based; Automatic Payment Required Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 28.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 12 months	3.11%	-	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 12 months	3.11%	-	3.15%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 12 months	3.11%	-	3.15%	12 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 12 months	3.11%	-	3.15%	12 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 18 months	3.16%	-	3.20%	18 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 18 months	3.16%	-	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 18 months	3.16%	-	3.20%	18 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 18 months	3.16%	-	3.20%	18 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 24 months	3.21%	-	3.25%	24 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 24 months	3.21%	-	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 24 months	3.21%	-	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 24 months	3.21%	-	3.25%	24 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 3 months	3.02%	-	3.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 3 months	3.02%	-	3.05%	3 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 3 months	3.02%	-	3.05%	3 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 3 months	3.02%	-	3.05%	3 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 36 months	3.31%	-	3.35%	36 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 36 months	3.31%	-	3.35%	36 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 36 months	3.31%	-	3.35%	36 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 36 months	3.31%	-	3.35%	36 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 48 months	3.41%	-	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 48 months	3.41%	-	3.45%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 48 months	3.41%	-	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 48 months	3.41%	-	3.45%	48 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 6 months	3.11%	-	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 6 months	3.11%	-	3.15%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 6 months	3.11%	-	3.15%	6 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 6 months	3.11%	-	3.15%	6 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 60 months	3.50%	-	3.55%	60 months
Min Balance $1,000 Details Balance: $1,000 to $9,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 60 months	3.50%	-	3.55%	60 months
Min Balance $10,000 Details Balance: $10,000 to $49,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 60 months	3.50%	-	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 to $98,999; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
IRA Certificate - 60 months	3.50%	-	3.55%	60 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 12 months	3.11%	-	3.15%	12 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 12 months	3.11%	-	3.15%	12 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 12 months	3.11%	-	3.15%	12 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 12 months	3.11%	-	3.15%	12 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 18 months	3.16%	-	3.20%	18 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 18 months	3.16%	-	3.20%	18 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 18 months	3.16%	-	3.20%	18 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 18 months	3.16%	-	3.20%	18 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 24 months	3.21%	-	3.25%	24 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 24 months	3.21%	-	3.25%	24 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 24 months	3.21%	-	3.25%	24 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 24 months	3.21%	-	3.25%	24 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 3 months	3.02%	-	3.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 3 months	3.02%	-	3.05%	3 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 3 months	3.02%	-	3.05%	3 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 3 months	3.02%	-	3.05%	3 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 36 months	3.31%	-	3.35%	36 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 36 months	3.31%	-	3.35%	36 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 36 months	3.31%	-	3.35%	36 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 36 months	3.31%	-	3.35%	36 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 48 months	3.41%	-	3.45%	48 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 48 months	3.41%	-	3.45%	48 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 48 months	3.41%	-	3.45%	48 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 48 months	3.41%	-	3.45%	48 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 6 months	3.11%	-	3.15%	6 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 6 months	3.11%	-	3.15%	6 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 6 months	3.11%	-	3.15%	6 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 6 months	3.11%	-	3.15%	6 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 60 months	3.50%	-	3.55%	60 months
Min Balance $1,000 Details Balance: $1,000 to $9,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 60 months	3.50%	-	3.55%	60 months
Min Balance $10,000 Details Balance: $10,000 to $49,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 60 months	3.50%	-	3.55%	60 months
Min Balance $50,000 Details Balance: $50,000 to $98,999.99; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Tiered Rate Savings Certificates - 60 months	3.50%	-	3.55%	60 months
Min Balance $99,000 Details Balance: $99,000 and over; Effective Date: 09/01/2026; Early withdrawal penalties apply Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

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 stayed near 4.08% in Q3 2023 to 3.77% in Q2 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
June 30, 2026	$1.0B	3.77%	5.0	A+
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+

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 115

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

3.77%

Return on Assets (ROA)

0.6573%

Return on Equity (ROE)

6.4534%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

1,020,424,333

Total Amount of Shares and Deposits

826,151,342

Total Shares and Deposits < 1 Year

806,057,103

Total Shares and Deposits 1 3 Years

14,643,579

Total Shares and Deposits > 3 Years

5,450,659

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

102,057,485

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

102,057,485

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

724,093,857

Total Interest Expense (Sum of items 6 8)

4,744,817

Share Certificates

3,573

Number of Accounts for Share Drafts

28,155

IRA KEOGH Accounts

635

Number of Accounts for Regular Shares

50,090

Money Market Shares

2,704

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)

19,155,249

Total Liabilities

953,578,421

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Water and Power Community Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Water and Power Community Credit Union

Does Water and Power Community Credit Union offer CDs?

Yes. Water and Power Community Credit Union current CD rates include its 60 Month Tiered Rate Savings CDs at 3.55% APY, its 48 Month Tiered Rate Savings CDs at 3.45% APY and its 36 Month Tiered Rate Savings CDs at 3.35% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Water and Power Community Credit Union NCUA insured?

Yes. Water and Power Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Water and Power Community Credit Union?

The highest Water and Power Community Credit Union CD rate is its 60 Month IRA CDs at 3.55% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Water and Power Community Credit Union offer?

Water and Power Community Credit Union CD rates are 3.15% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.35% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Water and Power Community Credit Union for its full lineup.

What is the highest savings rate at Water and Power Community Credit Union?

The highest Water and Power Community Credit Union savings rate is its Holiday Savings Club at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Water and Power Community Credit Union?

The highest Water and Power Community Credit Union money market rate is its Money Market Account at 1.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Water and Power Community Credit Union?

The highest Water and Power Community Credit Union checking rate is its Checking Account (Advantage accounts only) at 0.02% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Water and Power Community Credit Union?

The lowest Water and Power Community Credit Union auto loan rate is its Auto Loan - New Vehicle at 4.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Water and Power Community Credit Union?

The lowest Water and Power Community Credit Union personal loan rate is its Signature Loan (Unsecured) at 9.49% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Water and Power Community Credit Union rates compare?

Water and Power Community Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. Water and Power Community Credit Union's top rates are its 60 Month IRA CDs at 3.55% APY, its Holiday Savings Club at 1.00% APY, its Money Market Account at 1.50% APY, its Checking Account (Advantage accounts only) at 0.02% APY and its Solar Loan at 6.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Water and Power Community Credit Union Rates

12-Month CD3.15%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.55%
Savings1.00%
MMA1.50%

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

Compare to Other Credit Unions

Water and Power Community Credit Union Rates & Review November 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 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

Does Water and Power Community Credit Union offer CDs?

Are CDs from Water and Power Community Credit Union NCUA insured?

What is the highest CD rate at Water and Power Community Credit Union?

What CD terms does Water and Power Community Credit Union offer?

What is the highest savings rate at Water and Power Community Credit Union?

What is the highest money market rate at Water and Power Community Credit Union?

What is the highest checking rate at Water and Power Community Credit Union?

What is the lowest auto loan rate at Water and Power Community Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Water and Power Community Credit Union rates compare?

Current Water and Power Community Credit Union Rates

Compare to Other Credit Unions