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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Western Indiana Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 30, 2026
Western Indiana Credit Union's 12-Month CD rates are at 3.53%, 6-Month CD rates are at 3.28%, 18-Month CD rates are at 2.51%, 24-Month CD rates are at 2.26%. Western Indiana Credit Union's savings rates are at 0.10%. Western Indiana Credit Union's Personal Loan Rates are as low as 14.00%. Western Indiana Credit Union's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. 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 0.76%. Rates last updated and verified on 10/30/2026. 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. Western Indiana Credit Union
Main Office 949 W State Road 154
https://www.westernindianacu.com Sullivan, IN 47882-7115 Privately insuredNot NCUA Customer Reviews
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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. Western Indiana Credit Union CD Rates
Western Indiana Credit Union Savings Rates
Western Indiana Credit Union Auto Loan Rates
Western Indiana Credit Union RV, Boat and Powersport Loan Rates
Western Indiana Credit Union Personal Loan Rates
Western Indiana Credit Union Other Rates
Financial Health HistoryWestern Indiana Credit Union’s Texas Ratio fell from 1.73% in Q3 2023 to 0.76% 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; 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
7
Part-Time Employees
4
Branch Locations
2
ATM Locations
0
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.76%
Return on Assets (ROA)
0.4099%
Return on Equity (ROE)
3.2634%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
48,729,933
Total Amount of Shares and Deposits
42,323,119
Total Shares and Deposits < 1 Year
28,026,867
Total Shares and Deposits 1 3 Years
14,296,251
Total Interest Expense (Sum of items 6 8)
375,418
Share Certificates
423
Number of Accounts for Share Drafts
1,339
Number of Accounts for Regular Shares
3,302
All other shares
23
Net Income (unless the amount is already included in Undivided Earnings)
199,737
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)
7,936,417
Total Liabilities
42,609,448
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Western Indiana Credit UnionDoes Western Indiana Credit Union offer CDs?Yes. Western Indiana Credit Union current CD rates include its 12-Month CD at 3.53% APY, its 6-Month CD at 3.28% APY and its 18-Month CD at 2.51% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Western Indiana Credit Union NCUA insured?No. Western Indiana Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Western Indiana Credit Union?The highest Western Indiana Credit Union CD rate is its 12-Month CD at 3.53% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Western Indiana Credit Union offer?Western Indiana Credit Union CD rates are 3.28% APY for a 6 month CD, 3.53% APY for a 12 month CD, 2.51% APY for an 18 month CD and 2.26% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Western Indiana Credit Union for its full lineup. What is the highest savings rate at Western Indiana Credit Union?The highest Western Indiana Credit Union savings rate is its Regular Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Western Indiana Credit Union?The lowest Western Indiana Credit Union auto loan rate is its New Vehicle Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Western Indiana Credit Union?The lowest Western Indiana Credit Union personal loan rate is its Unsecured Loan at 14.00% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 Western Indiana Credit Union rates compare?Western Indiana Credit Union's CD rates are in line with the MonitorBankRates national average, and it has an A+ health rating. Western Indiana Credit Union's top rates are its 12-Month CD at 3.53% APY, its Regular Savings at 0.10% APY and its Unsecured Loan at 14.00% APR, verified by MonitorBankRates on October 30, 2026. Current Western Indiana Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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