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WCCU Credit Union

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WCCU Credit Union Rates & Review April 2026

Q: How many branches does WCCU Credit Union operate?

WCCU 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.

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

Yes, to access services at WCCU 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: Is there a first-time homebuyer program?

Currently, WCCU 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WCCU 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: April 19, 2026

You can compare WCCU Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.71%, 6-month share certificate rates at 3.73% and 3-month share certificate rates at 0.75%. Savings rates are at 0.20% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to WCCU Credit Union rates. MonitorBankRates evaluates the financial stability of WCCU Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.41%. Rates were last updated on 04/19/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.41%

Excellent Higher than avg

WCCU Credit Union
WESTBY MAIN

501 N Main St
WESTBY, WI 54667

https://www.wccucreditunion.coop/

WCCU Credit Union Checking Rates

Product	Rate	APY	View More
Awards Checking	-	3.00%
Details Qualifying balance up to $20,000 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.41%

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 WCCU 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 WCCU 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 WCCU Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WCCU Credit Union

Website https://www.wccucreditunion.coop/

Address 501 N Main St, WESTBY, WI 54667

Phone 608-634-3118

Fax 608-634-3148

President MONTE TORGERSON

CEO CHRIS BARNICK

Full-Time Employees 189

Part-Time Employees 28

Branch Locations 12

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.41%

Return on Assets (ROA)

0.9458%

Return on Equity (ROE)

6.0601%

Non-Performing Loans Ratio (NPL)

1.60%

Total Assets

972,871,024

Total Amount of Shares and Deposits

793,536,894

Total Shares and Deposits < 1 Year

745,619,636

Total Shares and Deposits 1 3 Years

42,254,485

Total Shares and Deposits > 3 Years

5,662,773

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

84,155,133

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

84,155,133

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

709,381,761

Total Interest Expense (Sum of items 6 8)

12,662,667

Share Certificates

8,037

Number of Accounts for Share Drafts

34,076

IRA KEOGH Accounts

3,323

Number of Accounts for Regular Shares

60,928

All other shares

150

Money Market Shares

2,458

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

9,201,870

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

59,873,116

Total Liabilities

822,538,432

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About WCCU Credit Union

Is WCCU Credit Union a safe place to deposit money?

Yes, WCCU Credit Union is considered a safe financial institution. With a Texas Ratio of 7.4135173207713%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does WCCU Credit Union operate?

WCCU 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 WCCU Credit Union?

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

Does WCCU Credit Union offer online and mobile banking?

Most modern institutions like WCCU 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.wccucreditunion.coop/.