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Western Sun Federal Credit Union Rates & Review April 2026

Western Sun Federal Credit Union's 6 month Jumbo CD rates are at 3.46%, 12 month Jumbo CD rates are at 3.40%, 6 month CD rates are at 3.36%, 12 month CD rates are at 3.30%, 18 month Jumbo CD rates are at 3.15%. Western Sun Federal Credit Union's savings rates are at 0.15%. Western Sun Federal Credit Union's money market rates are at 0.65%. Western Sun Federal Credit Union's Personal Loan Rates are at 8.49%. MonitorBankRates evaluates the financial stability of Western Sun Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.72%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.72%
Excellent Lower than avg
Western Sun Federal Credit Union
Admin Office
4111 S Darlington Ave STE 400
Tulsa, OK 74135
https://www.wsfcu.com
Member NCUA

Western Sun Federal Credit Union CD Rates

Product Rate APY Term View More
6 month Jumbo Certificate 3.41% 3.46% 6
Min Balance $95,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
12 month Jumbo Certificate 3.35% 3.40% 12
Min Balance $95,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
6 month Certificate 3.31% 3.36% 6
Min Balance $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
12 month Certificate 3.25% 3.30% 12
Min Balance $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
18 month Jumbo Certificate 3.10% 3.15% 18
Min Balance $95,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
24 month Jumbo Certificate & IRA 3.10% 3.15% 24
Min Balance $95,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
18 month Certificate 3.00% 3.05% 18
Min Balance $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
24 month Certificate & IRA 3.00% 3.05% 24
Min Balance $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
36 month Jumbo Certificate & IRA 2.86% 2.90% 36
Min Balance $95,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
48 month Jumbo Certificate & IRA 2.86% 2.90% 48
Min Balance $95,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
36 month Certificate & IRA 2.76% 2.80% 36
Min Balance $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
48 month Certificate & IRA 2.76% 2.80% 48
Min Balance $1,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Western Sun Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club Savings Account 0.15% 0.15%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Western Sun Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market - 1.20%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
Money Market 1.00% 1.00%
Min Balance $20,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
Money Market 0.85% 0.85%
Min Balance $2,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
Money Market 0.65% 0.65%
Min Balance $50
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Western Sun Federal Credit Union Checking Rates

Product Rate APY View More
Basic Checking 0.05% 0.05%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Western Sun Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
HVAC - - 8.49% Up to 72 Months
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Western Sun Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.49%
Details As Low As; *
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Western Sun Federal Credit Union Personal Loan Rates

Product Rate APR View More
Motorcycles, Personal Watercraft, ATV Loans - 8.49%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%
Personal Loan - 12.40%
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.72%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Western Sun Federal 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 Sun Federal 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 Sun Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Western Sun Federal Credit Union
Address 4111 S Darlington Ave STE 400, Tulsa, OK 74135
Phone 918-362-1400
Fax 918-326-1470
President Bert Robison
CEO John Robinson
Full-Time Employees 66
Part-Time Employees 0
Branch Locations 6
ATM Locations 4
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
3.72%
Return on Assets (ROA)
-0.1167%
Return on Equity (ROE)
-0.6828%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
187,497,050
Total Amount of Shares and Deposits
153,948,259
Total Shares and Deposits < 1 Year
148,600,642
Total Shares and Deposits 1 3 Years
4,928,380
Total Shares and Deposits > 3 Years
419,240
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,334,180
Total Uninsured Shares and Deposits > $250K (F+J)
6,334,180
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,614,079
Total Interest Expense (Sum of items 6 8)
2,295,366
Share Certificates
1,357
Number of Accounts for Share Drafts
8,678
IRA KEOGH Accounts
252
Number of Accounts for Regular Shares
27,887
Money Market Shares
250
Net Income (unless the amount is already included in Undivided Earnings)
19,749
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,403,346
Total Liabilities
155,857,147
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Western Sun Federal Credit Union

Is Western Sun Federal Credit Union a safe place to deposit money?

Yes, Western Sun Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.7173177520337%, 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 Sun Federal Credit Union operate?

Western Sun Federal 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 Sun Federal Credit Union?

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

Does Western Sun Federal Credit Union offer online and mobile banking?

Most modern institutions like Western Sun Federal 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.wsfcu.com.

Current Western Sun Federal Credit Union Rates

  • 12-Month CD3.30%
  • 18-Month CD3.05%
  • 24-Month CD3.05%
  • Savings0.15%
  • MMA0.65%
Retrieved from our database of financial products. Rates subject to change.