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

Current rates for WEPCO Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.80%, 24-Month CD: 4.06%, 60-Month CD: 4.06%, Savings: 0.05%, MMA: 2.02%

MonitorBankRates

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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WEPCO Federal Credit Union

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WEPCO Federal Credit Union Rates & Review October 2026

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

Yes, to access services at WEPCO 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, WEPCO 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: October 12, 2026

WEPCO Federal Credit Union's top rates as of October 12, 2026 are 4.06% APY on its CD - 24 month, 0.05% APY on savings, 2.02% APY on money market accounts, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other WEPCO Federal Credit Union CD rates include CD - 36 month at 4.06%, CD - 48 month at 4.06%, and CD - 60 month at 4.06%. MonitorBankRates evaluates the financial stability of WEPCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.89%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 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

3.89%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

WEPCO Federal Credit Union
Bloomington Branch

204 North Branch Avenue
Bloomington, MD 21523

https://www.wepcofcu.com

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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.

WEPCO Federal Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate - 24 month	4.00%	4.06%	24 Months
Min Deposit $500 Details Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Certificate - 36 month	4.00%	4.06%	36 Months
Min Deposit $500 Details Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Certificate - 48 month	4.00%	4.06%	48 Months
Min Deposit $500 Details Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Certificate - 60 month	4.00%	4.06%	60 Months
Min Deposit $500 Details Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Certificate - 18 month	3.75%	3.80%	18 Months
Min Deposit $500 Details Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Certificate - 12 month	3.50%	3.55%	12 Months
Min Deposit $500 Details Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

WEPCO Federal Credit Union Savings Rates

Product	Rate	APY
Early Saver Accounts (Ages 0 - 12)	0.40%	0.40%
Min Balance $75,000 Details Ages: 0-12; Balance: $75,000.00 and over Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Early Saver Accounts (Ages 0 - 12)	0.35%	0.35%
Min Balance $25,000 Details Ages: 0-12; Balance: $25,000.00 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Early Saver Accounts (Ages 0 - 12)	0.30%	0.30%
Min Balance $10,000 Details Ages: 0-12; Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Early Saver Accounts (Ages 0 - 12)	0.25%	0.25%
Min Balance $2,500 Details Ages: 0-12; Balance: $2,500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Early Saver Accounts (Ages 0 - 12)	0.20%	0.20%
Min Balance $100 Details Ages: 0-12; Balance: $100.00 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Early Saver Accounts (Ages 0 - 12)	0.15%	0.15%
Min Balance $0 Details Ages: 0-12; Balance: $0.00 - $99.99 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Christmas Club	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 +; Annually matures on October 1st. Early withdrawal penalty applies. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Special Savings Account	0.05%	0.05%
Min Balance $100 Details Balance: $100.00 - $2,499.99; Minimum deposit of $5.00 required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.20% → 0.05% ▼ 0.15 pts · high 0.20% / low 0.05% Sep 25, 20260.05%▼ from 0.20% Sep 12, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Special Savings Account	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Minimum deposit of $5.00 required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.25% → 0.05% ▼ 0.20 pts · high 0.25% / low 0.05% Sep 25, 20260.05%▼ from 0.25% Sep 12, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Special Savings Account	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Minimum deposit of $5.00 required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.30% → 0.05% ▼ 0.25 pts · high 0.30% / low 0.05% Sep 25, 20260.05%▼ from 0.30% Sep 12, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Special Savings Account	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99; Minimum deposit of $5.00 required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.35% → 0.05% ▼ 0.30 pts · high 0.35% / low 0.05% Sep 25, 20260.05%▼ from 0.35% Sep 12, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Special Savings Account	0.05%	0.05%
Min Balance $75,000 Details Balance: $75,000.00 and over; Minimum deposit of $5.00 required Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 0.40% → 0.05% ▼ 0.35 pts · high 0.40% / low 0.05% Sep 25, 20260.05%▼ from 0.40% Sep 12, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

WEPCO Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.00%	2.02%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Money Market Accounts	1.90%	1.91%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.91% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Money Market Accounts	1.80%	1.81%
Min Deposit $2,500 Min Balance $175,000 Details Balance: $175,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.81% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Money Market Accounts	1.70%	1.71%
Min Deposit $2,500 Min Balance $125,000 Details Balance: $125,000.00 - $174,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Money Market Accounts	1.50%	1.51%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00 - $124,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Money Market Accounts	1.25%	1.26%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Money Market Accounts	1.00%	1.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

WEPCO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicle Loans - New Model 2026 and Newer	-	-	2.49%	0-48 Months
Details As Low As; Rates effective as of September 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan	-	-	2.99%	0-48 Months
Details As Low As; Used Model Years 2024-2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
First Time Car Buyers: Model Years 2023-2026 Loan	-	-	3.10%	0-48 Months
Details As Low As; Rates effective as of April 1, 2026; First Time Car Buyers Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer	-	-	3.24%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer	-	-	3.49%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan	-	-	3.74%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023	-	-	3.74%	0-48 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
First Time Car Buyers: Model Years 2023-2026 Loan	-	-	3.85%	49-60 Months
Details As Low As; Rates effective as of April 1, 2026; First Time Car Buyers Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
First Time Car Buyers: Model Years 2020-2022 Loan	-	-	4.10%	0-48 Months
Details As Low As; Rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
New or Used Vehicle Loans - New Model 2026 and Newer	-	-	4.24%	73-84 Months
Details As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan	-	-	4.24%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023	-	-	4.24%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
First Time Car Buyers: Model Years 2017-2019 Loan	-	-	4.35%	0-48 months
Details As Low As; Rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023	-	-	4.49%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
First Time Car Buyers: Model Years 2020-2022 Loan	-	-	4.55%	49-60 Months
Details As low as; Rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2024-2026 Vehicle Loan	-	-	4.74%	73-84 Months
Details As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
First Time Car Buyers: Model Years 2017-2019 Loan	-	-	4.85%	49-60 months
Details As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Vehicle Loan - Model Years 2021-2023	-	-	4.99%	73-84 Months
Details As Low As; Minimum Financing of $25,000 for 84 Months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Historic Autos (20 Years and Older)	-	-	8.74%	20 Years
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Historic Autos (20 Years and Older)	-	-	9.24%	0-48 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Historic Autos (20 Years and Older)	-	-	9.74%	49-60 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Historic Autos (20 Years and Older)	-	-	10.24%	61-72 Months
Details As Low As; Minimum Financing of $25,000 for 84 Months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

WEPCO Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
4-Wheeler & Motorcycle Loans	-	5.49%	0-48 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
4-Wheeler & Motorcycle Loans	-	5.74%	49-60 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
4-Wheeler & Motorcycle Loans	-	5.99%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
4-Wheeler & Motorcycle Loans	-	6.24%	73-84 Months
Details As Low As; Minimum Financing of $20,000 for 84 Months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Recreational Vehicle & Boat Loans	-	6.49%
Details As Low As; 90% Financing; Call for Term, depending on type of vehicle purchased; 10% Down Payment Required; Boat, Motor or Mobile Homes, RV, Lawn & Farm Equipment, Utility Trailer Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

WEPCO Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.00%	0-12 Month
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Signature Loan	10.25%	13-24 Months
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Signature Loan	10.50%	25-36 Months
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Signature Loan	11.00%	37-48 Months
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Signature Loan	11.75%	49-60 Months
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 11.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Signature Loan	13.00%	61-72 Months
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 13.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

WEPCO Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Christmas & Vacation Loans	-	-	9.00%	Up to 12 Months
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
One-Payment Loans	-	-	9.00%	90 Days
Details As Low As; Signature Loans rates effective as of April 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2017 or Older Loan	-	-	7.24%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2017 or Older Loan	-	-	6.99%	73-84 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2018-2020 Loan	-	-	5.99%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2018-2020 Loan	-	-	5.24%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Used Model Years 2018-2020 Loan	-	-	4.74%	0-48 Months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
WEPCOLine of Credit Loans	-	-	13.00%	Open-end
Details As Low As; Rates effective as of April 1, 2026; Open-end line of credit, rate is variable and subject to change Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Business Share Draft Account	0.10%	-	0.10%
Min Balance $100 Details Balance: $100.00 and over Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Account	3.00%	-	3.05%
Min Balance $0 Details Balance: $0.00 + Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Share Certificate - 12 Months	3.50%	-	3.55%	12 Months
Min Deposit $500 Details Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Share Certificate - 18 Months	3.75%	-	3.80%	18 Months
Min Deposit $500 Details Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Share Certificate - 24 Months	4.00%	-	4.06%	24 Months
Min Deposit $500 Details Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Share Certificate - 36 Months	4.00%	-	4.06%	36 Months
Min Deposit $500 Details Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Share Certificate - 48 Months	4.00%	-	4.06%	48 Months
Min Deposit $500 Details Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
IRA Share Certificate - 60 Months	4.00%	-	4.06%	60 Months
Min Deposit $500 Details Early withdrawal penalty applies; IRA Share Certificates (Traditional, Roth & Coverdell) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Kasasa Cash Checking	-	-	4.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: up to $15,000.00; Refunds on ATM fees charged to Kasasa Cash, nationwide up to $25 monthly; Can link to Kasasa Saver account Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Share Accounts	0.05%	-	0.05%
Min Deposit $5 Min Balance $75,000 Details Balance: $75,000.00 + Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%
Special Purpose Account	0.10%	-	0.10%
Min Balance $0 Details Balance: $0.00 +; Term is set by member; Early withdrawal penalty applies Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.89%

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

WEPCO Federal Credit Union’s Texas Ratio fell from 7.37% in Q3 2023 to 3.89% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$399M	3.89%	5.0	A+
March 31, 2026	$397M	3.33%	5.0	A+
December 31, 2025	$380M	4.61%	5.0	A+
September 30, 2025	$377M	3.46%	5.0	A+
June 30, 2025	$383M	4.80%	5.0	A+
March 31, 2025	$384M	3.89%	5.0	A+
December 31, 2024	$374M	8.31%	5.0	A
September 30, 2024	$372M	7.58%	5.0	A
June 30, 2024	$359M	7.91%	5.0	A
March 31, 2024	$353M	8.10%	5.0	A
December 31, 2023	$338M	8.68%	5.0	A
September 30, 2023	$338M	7.37%	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 WEPCO 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 WEPCO 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 WEPCO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WEPCO Federal Credit Union

Website https://www.wepcofcu.com

Address 204 North Branch Avenue, Bloomington, MD 21523

Phone 301-359-3081

Fax 301-359-3683

President Mark Alexander

CEO Becky McKenzie

Full-Time Employees 67

Part-Time Employees 0

Branch Locations 8

ATM Locations 7

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

3.89%

Return on Assets (ROA)

0.8259%

Return on Equity (ROE)

5.3431%

Non-Performing Loans Ratio (NPL)

0.98%

Total Assets

399,348,275

Total Amount of Shares and Deposits

336,667,701

Total Shares and Deposits < 1 Year

303,475,288

Total Shares and Deposits 1 3 Years

24,113,872

Total Shares and Deposits > 3 Years

9,078,541

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

18,330,204

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

18,330,204

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

318,337,497

Total Interest Expense (Sum of items 6 8)

2,111,403

Share Certificates

1,842

Number of Accounts for Share Drafts

18,919

IRA KEOGH Accounts

1,352

Number of Accounts for Regular Shares

46,148

Money Market Shares

1,312

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

3,298,146

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)

111,742,496

Total Liabilities

337,579,820

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

WEPCO Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About WEPCO Federal Credit Union

How many branches does WEPCO Federal Credit Union operate?

WEPCO 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 WEPCO Federal Credit Union?

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

Does WEPCO Federal Credit Union offer online and mobile banking?

Most modern institutions like WEPCO 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.wepcofcu.com.

Current WEPCO Federal Credit Union Rates

12-Month CD3.55%
18-Month CD3.80%
24-Month CD4.06%
60-Month CD4.06%
Savings0.05%
MMA2.02%

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

Compare to Other Credit Unions

WEPCO Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

WEPCO Federal Credit Union Texas Ratio

WEPCO Federal Credit Union Health Trend

WEPCO Federal Credit Union CD Rates

WEPCO Federal Credit Union Savings Rates

WEPCO Federal Credit Union Money Market Rates

WEPCO Federal Credit Union Auto Loan Rates

WEPCO Federal Credit Union RV, Boat and Powersport Loan Rates

WEPCO Federal Credit Union Personal Loan Rates

WEPCO Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

WEPCO Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About WEPCO Federal Credit Union

How many branches does WEPCO Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does WEPCO Federal Credit Union offer online and mobile banking?

Current WEPCO Federal Credit Union Rates

Compare to Other Credit Unions