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Western Indiana Credit Union

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Western Indiana Credit Union Rates & Review April 2026

Q: Is Western Indiana Credit Union a safe place to deposit money?

Yes, Western Indiana Credit Union is considered a safe financial institution. With a Texas Ratio of 0.45262709195122%, 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.

Q: How many branches does Western Indiana Credit Union operate?

Western Indiana 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 Western Indiana Credit Union?

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

Q: Does Western Indiana Credit Union offer online and mobile banking?

Most modern institutions like Western Indiana 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.westernindianacu.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Western Indiana Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.25%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 0.30%. Savings rates are at 0.60% and money market rates are at 3.70%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to Western Indiana Credit Union rates. MonitorBankRates evaluates the financial stability of Western Indiana Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.45%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.45%

Excellent Lower than avg

Western Indiana Credit Union
Main Office

949 W State Road 154
Sullivan, IN 47882 7115

https://www.westernindianacu.com

Current Rate Availability

We do not have Western Indiana Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Western Indiana 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 Western Indiana 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 Western Indiana Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Western Indiana Credit Union

Website https://www.westernindianacu.com

Address 949 W State Road 154, Sullivan, IN 47882 7115

Phone 812-268-1196

Fax 812-268-8677

President Rusty Sinders

CEO Mitzi Perkinson

Full-Time Employees 8

Part-Time Employees 3

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.45%

Return on Assets (ROA)

0.5123%

Return on Equity (ROE)

4.3828%

Non-Performing Loans Ratio (NPL)

0.08%

Total Assets

49,809,455

Total Amount of Shares and Deposits

43,618,280

Total Shares and Deposits < 1 Year

40,625,385

Total Shares and Deposits 1 3 Years

2,992,895

Total Interest Expense (Sum of items 6 8)

725,404

Share Certificates

451

Number of Accounts for Share Drafts

1,313

Number of Accounts for Regular Shares

3,270

All other shares

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

255,194

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,505,823

Total Liabilities

43,986,781

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Western Indiana Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Western Indiana Credit Union

Is Western Indiana Credit Union a safe place to deposit money?

Yes, Western Indiana Credit Union is considered a safe financial institution. With a Texas Ratio of 0.45262709195122%, 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 Western Indiana Credit Union operate?

Western Indiana 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 Western Indiana Credit Union?

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

Does Western Indiana Credit Union offer online and mobile banking?

Most modern institutions like Western Indiana 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.westernindianacu.com.