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WESTconsin Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
WESTconsin Credit Union's 12 Month CD - Gold MVP Level rates are at 4.01%, 12 Month CD - Silver MVP Level rates are at 3.80%, 24 Month CD - Gold MVP Level rates are at 3.76%, 12 Month CD - Basic MVP Level rates are at 3.65%, 24 Month CD - Silver MVP Level rates are at 3.56%. WESTconsin Credit Union's savings rates are at 2.89%. WESTconsin Credit Union's money market rates are at 1.92%. WESTconsin Credit Union's checking rates are as high as 1.26%. WESTconsin Credit Union's 5/6 Month ARM rates are at 6.61%, 7/6 Month ARM rates are at 6.73%, 10 Year Fixed Mortgage rates are at 6.88%, 15 Year Fixed Mortgage rates are at 7.00%, 15 Year Fixed-Rate Mortgage rates are at 7.06%. WESTconsin Credit Union's Personal Loan Rates are as low as 11.50%. WESTconsin Credit Union's Credit Card Rates are at 9.00%. WESTconsin Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of WESTconsin Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.22%. Rates last updated and verified on 10/29/2026.
WESTconsin 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 WESTconsin Credit Union? Share your experience about WESTconsin Credit Union by leaving a review below, or read customer reviews before you decide to use WESTconsin Credit Union.
WESTconsin Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
WESTconsin Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.22%
ExcellentLower than avg
WESTconsin Credit Union Texas Ratio
WESTconsin Credit Union's Texas Ratio is 3.22%, which is considered excellent and is lower than the national average of 6.13%.
WESTconsin Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.56% to 3.22% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
WESTconsin Credit Union CD Rates
Product
Rate
APY
Term
View More
18 Month Variable Rate IRA - Basic MVP Level
4.39%
4.49%
18 Month
Min Deposit$50
Min Balance$50
DetailsCompounded: Daily; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Variable Rate IRA - Gold MVP Level
4.39%
4.49%
18 Month
Min Deposit$50
Min Balance$50
DetailsCompounded: Daily; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Variable Rate IRA - Silver MVP Level
4.39%
4.49%
18 Month
Min Deposit$50
Min Balance$50
DetailsCompounded: Daily; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
12 Month Share Certificate - Gold MVP Level
3.94%
4.01%
12 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.01% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
12 Month Share Certificate - Silver MVP Level
3.74%
3.80%
12 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
24 Month Share Certificate - Gold MVP Level
3.70%
3.76%
24 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.76% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
12 Month Share Certificate - Basic MVP Level
3.59%
3.65%
12 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
24 Month Share Certificate - Silver MVP Level
3.50%
3.56%
24 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.56% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Share Certificate - Gold MVP Level
3.40%
3.45%
18 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
24 Month Share Certificate - Basic MVP Level
3.35%
3.40%
24 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Share Certificate - Silver MVP Level
3.20%
3.25%
18 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Share Certificate - Basic MVP Level
3.05%
3.09%
18 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.09% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
60 Month Fixed Rate IRA - Gold MVP Level
3.00%
3.04%
60 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.04% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
60 Month Share Certificate - Gold MVP Level
3.00%
3.04%
60 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 3.04% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Fixed Rate IRA - Gold MVP Level
2.90%
2.94%
18 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.94% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
48 Month Share Certificate - Gold MVP Level
2.90%
2.94%
48 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.94% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
12 Month Fixed Rate Health Savings - Gold MVP Level
2.85%
2.89%
12 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.89% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
36 Month Share Certificate - Gold MVP Level
2.80%
2.84%
36 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
60 Month Fixed Rate IRA - Silver MVP Level
2.80%
2.84%
60 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.84% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
60 Month Share Certificate - Silver MVP Level
2.80%
2.84%
60 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Fixed Rate IRA - Silver MVP Level
2.70%
2.73%
18 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.73% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
48 Month Share Certificate - Silver MVP Level
2.70%
2.73%
48 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.73% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
12 Month Fixed Rate Health Savings - Silver MVP Level
2.65%
2.68%
12 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.68% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
60 Month Fixed Rate IRA - Basic MVP Level
2.65%
2.68%
60 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.68% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
60 Month Share Certificate - Basic MVP Level
2.65%
2.68%
60 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.68% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
36 Month Share Certificate - Silver MVP Level
2.60%
2.63%
36 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.63% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
18 Month Fixed Rate IRA - Basic MVP Level
2.55%
2.58%
18 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.58% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
48 Month Share Certificate - Basic MVP Level
2.55%
2.58%
48 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.58% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
12 Month Fixed Rate Health Savings - Basic MVP Level
2.50%
2.53%
12 Month
Min Deposit$500
Min Balance$500
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.53% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
36 Month Share Certificate - Basic MVP Level
2.45%
2.48%
36 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.48% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
36 Month Step Up Share Certificate - Gold MVP Level
2.35%
2.38%
36 Month
Min Deposit$5,000
Min Balance$5,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.38% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
6 Month Share Certificate - Gold MVP Level
2.35%
2.38%
6 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.38% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
36 Month Step Up Share Certificate - Silver MVP Level
2.15%
2.17%
36 Month
Min Deposit$5,000
Min Balance$5,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.17% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
6 Month Share Certificate - Silver MVP Level
2.15%
2.17%
6 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.17% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
36 Month Step Up Share Certificate - Basic MVP Level
2.00%
2.02%
36 Month
Min Deposit$5,000
Min Balance$5,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
6 Month Share Certificate - Basic MVP Level
2.00%
2.02%
6 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Monthly; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.02% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
3 Month Share Certificate - Gold MVP Level
0.75%
0.75%
3 Month
Min Deposit$5,000
Min Balance$5,000
DetailsCompounded: @Maturity; Level: Gold MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
3 Month Share Certificate - Silver MVP Level
0.55%
0.55%
3 Month
Min Deposit$5,000
Min Balance$5,000
DetailsCompounded: @Maturity; Level: Silver MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
3 Month Share Certificate - Basic MVP Level
0.40%
0.40%
3 Month
Min Deposit$5,000
Min Balance$5,000
DetailsCompounded: @Maturity; Level: Basic MVP
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 0.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.40%
0.40%
Min Balance$0
DetailsBalance: No minimum balance to open or earn dividends
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Membership Savings
0.40%
0.40%
Min Deposit$5
DetailsGeneral Savings; $5 minimum opening deposit; For dividend period: October 1, 2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Savings
0.40%
0.40%
DetailsNo minimum balance to open or earn dividends
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Money Market Rates
Product
Rate
APY
View More
Achieve Money Market
1.90%
1.92%
Min Balance$25,000
DetailsBalance: $25,000 and more; $15 fee for each withdrawal over 3 each month; $1,000 minimum withdrawal and deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market
1.90%
1.92%
Min Deposit$0
Min Balance$100,000
DetailsBalance: $100,000 and more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market
1.75%
1.76%
Min Deposit$0
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market
1.50%
1.51%
Min Deposit$0
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Achieve Money Market
1.25%
1.26%
Min Balance$0
DetailsBalance: $0 - $24,999.99; $15 fee in any month if balance drops below $25,000.00; $15 fee for each withdrawal over 3 each month; $1,000 minimum withdrawal and deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market
1.25%
1.26%
Min Deposit$0
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market
0.40%
0.40%
Min Deposit$0
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Checking Rates
Product
Rate
APY
View More
HSA Checking
1.25%
1.26%
Min Balance$10,000
DetailsBalance: $10,000 and more
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
HSA Checking
0.40%
0.40%
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Preferred Checking
0.10%
0.10%
Min Balance$0
DetailsBalance: No minimum balance to open or earn dividends
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Business Checking Rates
Product
Rate
APY
View More
Business Checking
0.10%
0.10%
Min Balance$500
DetailsBalance: $500 and above; Earn dividends each day the balance is $500 and above
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed Mortgage
6.875%
-
6.964%
10 years
No additional details.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 6.59% → 6.96% ▲ 0.37 pts · high 6.97% / low 6.59%
Oct 26, 20266.96%▼ from 6.97%
Oct 19, 20266.97%▲ from 6.59%
Sep 14, 20266.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
15 Year Fixed Mortgage
7.00%
-
7.064%
15 years
No additional details.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 6.69% → 7.06% ▲ 0.38 pts · high 7.07% / low 6.69%
Oct 26, 20267.06%▼ from 7.07%
Oct 19, 20267.07%▲ from 6.69%
Sep 14, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
15 Year Fixed-Rate Mortgage
-
-
7.064%
15 Year
DetailsAs Low As; Fixed-rate mortgage; APR as low as 7.064%
Last Updated10/29/2026
Rate History
2 changes since Oct 9, 2026 · 7.19% → 7.06% ▼ 0.13 pts · high 7.19% / low 7.06%
Oct 26, 20267.06%▼ from 7.07%
Oct 19, 20267.07%▼ from 7.19%
Oct 9, 20267.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin 5/6 mo. ARM
7.50%
-
7.321%
No additional details.
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.00% → 7.32% ▲ 0.32 pts · high 7.32% / low 7.00%
Oct 26, 20267.32%▲ from 7.22%
Oct 9, 20267.22%▼ from 7.25%
Oct 1, 20267.25%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
20 Year Fixed Mortgage
7.125%
-
7.325%
20 years
No additional details.
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.20% → 7.33% ▲ 0.13 pts · high 7.33% / low 7.20%
Oct 29, 20267.33%▲ from 7.20%
Oct 26, 20267.20%▼ from 7.33%
Oct 19, 20267.33%▲ from 7.20%
Sep 14, 20267.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin 7/6 mo. ARM
7.75%
-
7.504%
No additional details.
Last Updated10/29/2026
Rate History
4 changes since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 26, 20267.50%▲ from 7.37%
Oct 13, 20267.37%▼ from 7.37%
Oct 9, 20267.37%▼ from 7.50%
Oct 1, 20267.50%▲ from 7.25%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
30 Year Fixed Mortgage
7.375%
-
7.531%
30 years
No additional details.
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 7.28% → 7.53% ▲ 0.25 pts · high 7.66% / low 7.28%
Oct 26, 20267.53%▼ from 7.66%
Oct 19, 20267.66%▲ from 7.28%
Sep 14, 20267.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
30 Year Fixed-Rate Mortgage
-
-
7.531%
30 Year
DetailsAs Low As; Fixed-rate mortgage; APR as low as 7.531%
Last Updated10/29/2026
Rate History
2 changes since Oct 9, 2026 · 7.78% → 7.53% ▼ 0.25 pts · high 7.78% / low 7.53%
Oct 26, 20267.53%▼ from 7.66%
Oct 19, 20267.66%▼ from 7.78%
Oct 9, 20267.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Vacant Land 3/6 mo. ARM
7.625%
-
8.111%
No additional details.
Last Updated10/29/2026
Rate History
5 changes since Sep 14, 2026 · 7.79% → 8.11% ▲ 0.32 pts · high 8.11% / low 7.79%
Oct 26, 20268.11%▲ from 8.05%
Oct 13, 20268.05%▲ from 8.04%
Oct 9, 20268.04%▲ from 7.95%
Oct 1, 20267.95%▲ from 7.79%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Vacant Land 5/6 mo. ARM
8.00%
-
8.20%
No additional details.
Last Updated10/29/2026
Rate History
5 changes since Sep 14, 2026 · 7.84% → 8.20% ▲ 0.36 pts · high 8.20% / low 7.84%
Oct 26, 20268.20%▲ from 8.09%
Oct 13, 20268.09%▲ from 8.09%
Oct 9, 20268.09%▲ from 8.02%
Oct 1, 20268.02%▲ from 7.84%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
3-Month Adjustable HELOC
-
-
7.00%
DetailsAs Low As; HCLTV: Up to 80%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 22, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
5-Year Adjustable HELOC
-
-
7.25%
DetailsAs Low As; HCLTV: Up to 80%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Sep 22, 20267.25%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
3-Month Adjustable HELOC
-
-
8.00%
DetailsAs Low As; HCLTV: Over 80%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Sep 22, 20268.00%▲ from 7.75%
Sep 14, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Home Equity Loan - Closed-end 2nd 7/6 mo. ARM
8.00%
-
8.073%
DetailsCLTV: Up to 80%
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 7.94% → 8.07% ▲ 0.14 pts · high 8.07% / low 7.94%
Oct 26, 20268.07%▲ from 7.94%
Oct 19, 20267.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
5-Year Adjustable HELOC
-
-
8.25%
DetailsAs Low As; HCLTV: Over 80%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00%
Sep 22, 20268.25%▲ from 8.00%
Sep 14, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Home Equity Loan - Closed-end 2nd 7/6 mo. ARM
8.50%
-
8.798%
DetailsCLTV: 80% - 90%
Last Updated10/29/2026
Rate History
1 change since Oct 19, 2026 · 8.66% → 8.80% ▲ 0.14 pts · high 8.80% / low 8.66%
Oct 26, 20268.80%▲ from 8.66%
Oct 19, 20268.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
4.49%
Up to 24 Months
DetailsAs Low As; APR as low as 4.49%; homepage featured rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Auto Loan
-
-
4.99%
Up to 48 Months
DetailsAs Low As; APR as low as 4.99%; homepage featured rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Auto Loan
-
-
5.49%
Up to 72 Months
DetailsAs Low As; APR as low as 5.49%; homepage featured rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
No change since Oct 26, 2026 · 13.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
5/6 Month ARM
-
-
6.613%
DetailsAs Low As; APR as low as 6.613%; Adjustable-Rate Mortgage; Lock in lower rates for five years, then adjusts every 6 months
Last Updated10/29/2026
Rate History
2 changes since Oct 9, 2026 · 6.51% → 6.61% ▲ 0.10 pts · high 6.61% / low 6.51%
Oct 26, 20266.61%▲ from 6.52%
Oct 13, 20266.52%▲ from 6.51%
Oct 9, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
7/6 Month ARM
-
-
6.73%
DetailsAs Low As; APR as low as 6.730%; Adjustable-Rate Mortgage; Lock in lower rates for seven years, then adjusts every 6 months
Last Updated10/29/2026
Rate History
1 change since Oct 9, 2026 · 6.60% → 6.73% ▲ 0.13 pts · high 6.73% / low 6.60%
Oct 26, 20266.73%▲ from 6.60%
Oct 9, 20266.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Home Construction Loan
-
-
6.77%
DetailsAs Low As; APR as low as 6.770%; homepage featured rate
Last Updated10/29/2026
Rate History
6 changes since Sep 14, 2026 · 6.39% → 6.77% ▲ 0.38 pts · high 6.77% / low 6.39%
Oct 26, 20266.77%▲ from 6.64%
Oct 13, 20266.64%▼ from 6.65%
Oct 9, 20266.65%▲ from 6.58%
Oct 1, 20266.58%▲ from 6.39%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Kwik Cash Loan
-
-
13.00%
DetailsAs Low As; No Charge for Ready Reserve Transfers to Checking
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.00% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Funeral Trust
0.40%
-
0.40%
DetailsBalance: No minimum balance to open or earn dividends
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Financial Health History
WESTconsin Credit Union’s Texas Ratio rose from 2.56% in Q3 2023 to 3.22% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade
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
$2.2B
3.22%
5.0
A+
March 31, 2026
$2.2B
3.01%
5.0
A+
December 31, 2025
$2.2B
3.75%
5.0
A+
September 30, 2025
$2.1B
4.27%
5.0
A+
June 30, 2025
$2.1B
4.30%
5.0
A+
March 31, 2025
$2.0B
4.24%
5.0
A+
December 31, 2024
$2.0B
4.79%
5.0
A+
September 30, 2024
$1.9B
4.36%
5.0
A+
June 30, 2024
$1.9B
4.03%
5.0
A+
March 31, 2024
$1.9B
2.98%
5.0
A+
December 31, 2023
$1.9B
2.90%
5.0
A+
September 30, 2023
$1.9B
2.56%
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 WESTconsin 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 WESTconsin 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 WESTconsin Credit Union's official website for the most current offers and terms.
Address
3227 Schneider Ave SE,
Menomonie, WI 54751
Phone800-924-0022
Fax
PresidentGerald Wolf
CEOJames Wookey
Full-Time Employees415
Part-Time Employees27
Branch Locations19
ATM Locations15
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
3.22%
Return on Assets (ROA)
0.5521%
Return on Equity (ROE)
4.2632%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
2,245,897,626
Total Amount of Shares and Deposits
1,940,917,341
Total Shares and Deposits < 1 Year
1,862,127,820
Total Shares and Deposits 1 3 Years
69,735,764
Total Shares and Deposits > 3 Years
9,053,757
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
114,512,330
Total Uninsured Shares and Deposits > $250K (F+J)
114,512,330
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,826,405,011
Total Interest Expense (Sum of items 6 8)
14,355,375
Share Certificates
12,812
Number of Accounts for Share Drafts
83,025
IRA KEOGH Accounts
2,782
Number of Accounts for Regular Shares
175,603
All other shares
3,871
Money Market Shares
10,535
Net Income (unless the amount is already included in Undivided Earnings)
12,399,937
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)
198,261,234
Total Liabilities
1,980,318,367
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
WESTconsin Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for WESTconsin Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for WESTconsin Credit Union
Frequently Asked Questions About WESTconsin Credit Union
Does WESTconsin Credit Union offer CDs?
Yes. WESTconsin Credit Union current CD rates include its 12 Month CD - Gold MVP Level at 4.01% APY, its 12 Month CD - Silver MVP Level at 3.80% APY and its 24 Month CD - Gold MVP Level at 3.76% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from WESTconsin Credit Union NCUA insured?
Yes. WESTconsin 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 WESTconsin Credit Union?
The highest WESTconsin Credit Union CD rate is its 18 Month Variable Rate IRA - Basic MVP Level CD at 4.49% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does WESTconsin Credit Union offer?
WESTconsin Credit Union CD rates are 4.01% APY for a 12 month CD, 2.58% APY for an 18 month CD, 3.76% APY for a 2 year CD and 2.68% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with WESTconsin Credit Union for its full lineup.
What is the highest savings rate at WESTconsin Credit Union?
The highest WESTconsin Credit Union savings rate is its 12 Month Fixed Rate Health Savings - Gold MVP Level at 2.89% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at WESTconsin Credit Union?
The highest WESTconsin Credit Union money market rate is its Achieve Money Market at 1.92% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at WESTconsin Credit Union?
The highest WESTconsin Credit Union checking rate is its HSA Checking at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at WESTconsin Credit Union?
The lowest WESTconsin Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 7.375%, verified by MonitorBankRates as of October 29, 2026. WESTconsin Credit Union mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 7.00% for a 15 year mortgage and 6.875% for a 10 year mortgage.
What is the lowest auto loan rate at WESTconsin Credit Union?
The lowest WESTconsin Credit Union auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at WESTconsin Credit Union?
The lowest WESTconsin Credit Union credit card APR is its Platinum Visa Credit Card at 9.00% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does WESTconsin Credit Union operate?
WESTconsin 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 WESTconsin Credit Union?
Yes, to access services at WESTconsin 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, WESTconsin 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, WESTconsin Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does WESTconsin Credit Union offer online and mobile banking?
Most modern institutions like WESTconsin 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.westconsincu.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 WESTconsin Credit Union rates compare?
WESTconsin Credit Union's CD rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. WESTconsin Credit Union's top rates are its 18 Month Variable Rate IRA - Basic MVP Level CD at 4.49% APY, its 12 Month Fixed Rate Health Savings - Gold MVP Level at 2.89% APY, its Achieve Money Market at 1.92% APY, its HSA Checking at 1.26% APY, its 5/6 Month ARM at 6.613%, its Unsecured Personal Loans - Up to 48 Months at 11.50% APR and its Platinum Visa Credit Card at 9.00% APR, verified by MonitorBankRates on October 29, 2026.
Current WESTconsin Credit Union Rates
12-Month CD3.65%
18-Month CD2.58%
24-Month CD3.40%
60-Month CD2.68%
Savings2.89%
MMA1.92%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
