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WESTconsin Credit Union Rates & Review May 2026

WESTconsin Credit Union's 18 Month Variable Rate IRA CDs and IRAs rates are at 4.21%, 12 Month CD rates are at 4.01%, 12 Month CDs and IRAs rates are at 4.01%, 12 Month CDs and IRAs rates are at 3.80%, 24 Month CDs and IRAs rates are at 3.76%. WESTconsin Credit Union's savings rates are at 0.40%. WESTconsin Credit Union's money market rates are at 0.40%. WESTconsin Credit Union's 10 year Fixed rates are at 5.88%, 15 year Fixed rates are at 6.00%, 20 year Fixed rates are at 6.12%, 30 year Fixed rates are at 6.50%, WESTconsin 5/6 mo. ARM rates are at 6.62%. WESTconsin Credit Union's Personal Loan Rates are at 11.50%. 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 4.45%. Rates were last updated on 05/10/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.45%
Excellent Lower than avg
WESTconsin Credit Union
Menomonie Administration
3227 Schneider Ave SE
Menomonie, WI 54751
https://www.westconsincu.org
Member NCUA

WESTconsin Credit Union CD Rates

Product Rate APY Term View More
18 Month Variable Rate IRA Share Certificates and IRAs 4.12% 4.21% 18 Month
Min Balance $50
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Certificate - 4.01%
Details APY up to
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Share Certificates and IRAs 3.94% 4.01% 12 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Share Certificates and IRAs 3.74% 3.80% 12 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
24 Month Share Certificates and IRAs 3.70% 3.76% 24 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Share Certificates and IRAs 3.59% 3.65% 12 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
24 Month Share Certificates and IRAs 3.50% 3.56% 24 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
18 Month Share Certificates and IRAs 3.40% 3.45% 18 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
24 Month Share Certificates and IRAs 3.35% 3.40% 24 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
18 Month Share Certificates and IRAs 3.20% 3.25% 18 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
18 Month Share Certificates and IRAs 3.05% 3.09% 18 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
60 Month Fixed Rate IRA Share Certificates and IRAs 3.00% 3.04% 60 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
60 Month Share Certificates and IRAs 3.00% 3.04% 60 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
18 Month Fixed Rate IRA Share Certificates and IRAs 2.90% 2.94% 18 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
48 Month Share Certificates and IRAs 2.90% 2.94% 48 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Fixed Rate Health Savings Share Certificates and IRAs 2.85% 2.89% 12 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
36 Month Share Certificates and IRAs 2.80% 2.84% 36 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
60 Month Fixed Rate IRA Share Certificates and IRAs 2.80% 2.84% 60 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
60 Month Share Certificates and IRAs 2.80% 2.84% 60 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
18 Month Fixed Rate IRA Share Certificates and IRAs 2.70% 2.73% 18 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
48 Month Share Certificates and IRAs 2.70% 2.73% 48 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Fixed Rate Health Savings Share Certificates and IRAs 2.65% 2.68% 12 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
60 Month Fixed Rate IRA Share Certificates and IRAs 2.65% 2.68% 60 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
60 Month Share Certificates and IRAs 2.65% 2.68% 60 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
36 Month Share Certificates and IRAs 2.60% 2.63% 36 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
18 Month Fixed Rate IRA Share Certificates and IRAs 2.55% 2.58% 18 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
48 Month Share Certificates and IRAs 2.55% 2.58% 48 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
12 Month Fixed Rate Health Savings Share Certificates and IRAs 2.50% 2.53% 12 Month
Min Balance $500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
36 Month Share Certificates and IRAs 2.45% 2.48% 36 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
36 Month Step Up Share Certificates and IRAs 2.35% 2.38% 36 Month Step Up
Min Balance $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
6 Month Certificate - 2.38%
Details APY up to
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
6 Month Share Certificates and IRAs 2.35% 2.38% 6 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
36 Month Step Up Share Certificates and IRAs 2.15% 2.17% 36 Month Step Up
Min Balance $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
6 Month Share Certificates and IRAs 2.15% 2.17% 6 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
36 Month Step Up Share Certificates and IRAs 2.00% 2.02% 36 Month Step Up
Min Balance $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
6 Month Share Certificates and IRAs 2.00% 2.02% 6 Month
Min Balance $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
3 Month Share Certificates and IRAs 0.75% 0.75% 3 Month
Min Balance $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
3 Month Share Certificates and IRAs 0.55% 0.55% 3 Month
Min Balance $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
3 Month Share Certificates and IRAs 0.40% 0.40% 3 Month
Min Balance $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Savings Rates

Product Rate APY View More
Youth Savings 2.25% 2.27%
Details Qualifying balance up to $2,500.00
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Christmas Club 0.40% 0.40%
Details No minimum balance to open or earn dividends
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Membership Savings 0.40% 0.40%
Min Deposit $5
Details $5 minimum opening deposit
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Savings 0.40% 0.40%
Details No minimum balance to open or earn dividends
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Youth Savings 0.40% 0.40%
Min Balance $2,500
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Money Market Rates

Product Rate APY View More
Achieve Money Market 1.90% 1.92%
Min Balance $25,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Money Market 1.90% 1.92%
Min Balance $100,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Money Market 1.75% 1.76%
Min Balance $50,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Money Market 1.50% 1.51%
Min Balance $25,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Achieve Money Market 1.25% 1.26%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Money Market 1.25% 1.26%
Min Balance $10,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Money Market 0.40% 0.40%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Checking Rates

Product Rate APY View More
Legacy Addsup Checking 2.00% 2.02%
Details Qualifying balance up to $15,000.00
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
HSA Checking 1.25% 1.26%
Min Balance $10,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
HSA Checking 0.40% 0.40%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Business Checking 0.10% 0.10%
Min Balance $500
Details Earn dividends each day the balance is $500 and above
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Preferred Checking 0.10% 0.10%
Details No minimum balance to open or earn dividends
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Mortgage Rates

Product Rate Points APR Term View More
10 year Fixed 5.88% - 5.96% 10
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
15 year Fixed 6.00% - 6.06% 15
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
15 Year Fixed-Rate Mortgage - - 6.06% 15
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
20 year Fixed 6.13% - 6.32% 20
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
30 year Fixed 6.50% - 6.65% 30
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
30 Year Fixed-Rate Mortgage - - 6.65% 30
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
WESTconsin 5/6 mo. ARM 6.63% - 6.81%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
WESTconsin 7/6 mo. ARM 6.88% - 6.92%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Vacant Land 5/6 mo. ARM 7.13% - 7.69%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Vacant Land 3/6 mo. ARM 6.75% - 7.69%
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
3-Month Adjustable HELOC - - 6.75%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
5-Year Adjustable HELOC - - 7.00%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
3-Month Adjustable HELOC - - 7.75%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
5-Year Adjustable HELOC - - 8.00%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Credit Card Rates

Product Rate APR View More
Platinum Visa Credit Cards - 9.00%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

WESTconsin Credit Union Personal Loan Rates

Product Rate APR View More
Unsecured Personal Loans - 11.50%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%
Unsecured Personal Loans - 13.00%
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.45%

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.

Credit Union Profile & Overview

Credit Union Name WESTconsin Credit Union
Address 3227 Schneider Ave SE, Menomonie, WI 54751
Phone 800-924-0022
Fax
President Gerald Wolf
CEO James Wookey
Full-Time Employees 408
Part-Time Employees 23
Branch Locations 19
ATM Locations 15
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
4.45%
Return on Assets (ROA)
0.7275%
Return on Equity (ROE)
5.7333%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
2,137,023,875
Total Amount of Shares and Deposits
1,851,970,609
Total Shares and Deposits < 1 Year
1,799,176,176
Total Shares and Deposits 1 3 Years
43,100,639
Total Shares and Deposits > 3 Years
9,693,794
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
109,577,243
Total Uninsured Shares and Deposits > $250K (F+J)
109,577,243
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,742,393,366
Total Interest Expense (Sum of items 6 8)
21,343,838
Share Certificates
12,732
Number of Accounts for Share Drafts
80,742
IRA KEOGH Accounts
2,813
Number of Accounts for Regular Shares
172,622
All other shares
3,751
Money Market Shares
10,097
Net Income (unless the amount is already included in Undivided Earnings)
15,545,914
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
153,384,278
Total Liabilities
1,891,268,208
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About WESTconsin Credit Union

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.

Current WESTconsin Credit Union Rates

  • 12-Month CD2.53%
  • 18-Month CD2.58%
  • 24-Month CD3.40%
  • 60-Month CD2.68%
  • Savings0.40%
  • MMA0.40%
Retrieved from our database of financial products. Rates subject to change.