What are the current interest rates at Welcome Federal Credit Union?

Current rates for Welcome Federal Credit Union include: 12-Month CD: 3.60%, 24-Month CD: 3.70%, 60-Month CD: 3.50%, Savings: 0.05%, MMA: 1.00%

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Welcome Federal Credit Union

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Welcome Federal Credit Union Rates & Review August 2026

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

Yes, to access services at Welcome Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Welcome Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Welcome Federal Credit Union's 24 month rates are at 3.70%, IRA CDs 24 month rates are at 3.70%, IRA CDs 12 month rates are at 3.60%, 36 month rates are at 3.50%, 48 month rates are at 3.50%. Welcome Federal Credit Union's savings rates are at 0.05%. Welcome Federal Credit Union's money market rates are at 1.00%. Welcome Federal Credit Union's Personal Loan Rates are at 3.50%. MonitorBankRates evaluates the financial stability of Welcome Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.11%. Rates last updated and verified on 08/28/2026.

Welcome Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Welcome Federal Credit Union? Share your experience about Welcome Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Welcome Federal Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.11%

Excellent Lower than avg

Welcome Federal Credit Union
Morrisville Branch

10810 Chapel Hill Rd
Morrisville, NC 27560

https://www.welcomecu.org

Welcome Federal Credit Union CD Rates

Product	Rate	APY	Term
24 month	3.70%	3.70%	24 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
IRA Share Certificates 24 month	3.70%	3.70%	24 Months
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
IRA Share Certificates 12 month	3.60%	3.60%	12 Months
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
36 month	3.50%	3.50%	36 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
48 month	3.50%	3.50%	48 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
6 month	3.50%	3.50%	6 Months
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
60 month	3.50%	3.50%	60 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
IRA Share Certificates 36 month	3.50%	3.50%	36 Months
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
IRA Share Certificates 48 month	3.50%	3.50%	48 Months
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
IRA Share Certificates 60 month	3.50%	3.50%	60 Months
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%

Welcome Federal Credit Union Savings Rates

Product	Rate	APY
Shares (aka Savings)	0.05%	0.05%
Min Deposit $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Christmas Club Accounts	0.01%	0.01%
Min Deposit $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%

Welcome Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Accounts	1.00%	1.00%
Min Deposit $1,000 Details Monthly (Calendar) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%

Welcome Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit Loans	-	-	7.50%
Details As low as; APR is Based on Combined Loan-to-Value, your creditworthiness, and the Index Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Home Equity Lines of Credit	-	-	7.50%
Details As low as; This plan has a variable rate feature and the Annual Percentage Rate (corresponding to the periodic rate) and the minimum payment may change as a result. The APR is accurate as of January 31, 2026. The Annual Percentage Rate is based on your creditworthiness, the value of an index and the combined loan-to-value. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of the last business day of January preceding any annual percentage rate adjustment. No interest is charged until you use the funds. To determine the Annual Percentage Rate that will apply to your account, we add a margin to the value of the index. If the rate is not already rounded, we then round up to the next .25%. The Annual Percentage Rate can change annually on the first day of May. The rate cannot increase more than 1.0 percentage point in any one-year period. The Annual Percentage Rate cannot increase more than 5.0 percentage points above the initial rate. The maximum APR for a home equity line of credit is 15.0%. The minimum APR is 3.0%. If the credit line is closed by the member and the deed of trust released within 24 months of the loan origination date, the member will be required to pay $500.00 towards the closing costs that were paid by WFCU on the member's behalf. If that event occurs, the $500.00 will be added to the payoff amount. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Home Equity Land Loans	-	-	9.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
HELOC Holiday Line of Credit Loans	-	-	14.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
HELOC Line of Credit Loans	-	-	14.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
HELOC Summer Vacation Line of Credit Loans	-	-	14.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%

Welcome Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	3.50%
Details The loan rates shown are our premium rates based on Welcome Federal Credit Union's risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice. The estimated monthly payment on a $25,000.00, 60-month loan at 4.50% APR is $466.07. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
New Vehicles Loan	-	-	3.50%
Details As low as; The loan rates shown are our premium rates based on Welcome Federal Credit Union's risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Vehicles Loan	-	-	3.50%
Details As low as; The loan rates shown are our premium rates based on Welcome Federal Credit Union's risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Auto Loan	-	-	4.50%
Details As Low As; Our Lowest Auto Rate Since 2022! Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
New Boats, RVs, Motorcycles, and Other Vehicles Loan	-	-	6.50%	Up to 60 Months
Details As low as***; Rate applies to New Boats, RVs, Motorcycles, and Other Vehicles Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Boats, RV's, Motorcycles, and Other Vehicles Loan	-	-	7.00%	Up to 60 Months
Details As low as; *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Boats, RV's, Motorcycles, and Other Vehicles: Up to 60 Months Loan	-	-	7.00%	Up to 60 Months
Details As low as; *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
New Luxury Vehicles Loan	-	-	8.25%	Loan >$40,000 and term >84 Months (up to 120 Months)
Details As low as***; Rate applies to New Luxury Vehicles Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Boats, RVs, and Classic Autos	-	-	8.75%	Loan >$40,000 and term >84 Months (up to 120 Months)
Details As low as; *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Boats, RVs, and Classic Autos: Loan > and term >84 Months (up to 120 Months)	-	-	8.75%	>84 Months (up to 120 Months)
Details $40,000; As low as; Loan >$40,000 and term >84 Months (up to 120 Months); *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Luxury Vehicles Loan	-	-	8.75%	Loan >$40,000 and term >84 Months (up to 120 Months)
Details As low as; *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%
Used Luxury Vehicles: Loan > and term >84 Months (up to 120 Months)	-	-	8.75%	>84 Months (up to 120 Months)
Details $40,000; As low as; Loan >$40,000 and term >84 Months (up to 120 Months); *** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%

Welcome Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	11.49%
Details As low as; Credit Cards Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.11%

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

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Welcome Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Welcome Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Welcome Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Welcome Federal Credit Union

Website https://www.welcomecu.org

Address 10810 Chapel Hill Rd, Morrisville, NC 27560

Phone 919-474-3240

Fax 919-474-0562

President Abbasali Hamedani

CEO Stacey Mills

Full-Time Employees 20

Part-Time Employees 0

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.11%

Return on Assets (ROA)

0.2638%

Return on Equity (ROE)

2.0084%

Non-Performing Loans Ratio (NPL)

1.61%

Total Assets

90,301,779

Total Amount of Shares and Deposits

77,622,414

Total Shares and Deposits < 1 Year

75,007,693

Total Shares and Deposits 1 3 Years

1,996,608

Total Shares and Deposits > 3 Years

618,113

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

7,298,576

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

7,298,576

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

70,323,838

Total Interest Expense (Sum of items 6 8)

686,815

Share Certificates

537

Number of Accounts for Share Drafts

2,990

IRA KEOGH Accounts

154

Number of Accounts for Regular Shares

6,473

Money Market Shares

209

Net Income (unless the amount is already included in Undivided Earnings)

238,193

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)

5,230,970

Total Liabilities

78,482,317

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Welcome Federal Credit Union earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Welcome Federal Credit Union

How many branches does Welcome Federal Credit Union operate?

Welcome Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Welcome Federal Credit Union?

Yes, to access services at Welcome Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Welcome Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Welcome Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Welcome Federal Credit Union offer online and mobile banking?

Most modern institutions like Welcome Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.welcomecu.org.