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Westmoreland Water Federal Credit Union

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Westmoreland Water Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westmoreland Water Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Westmoreland Water Federal Credit Union's top rates as of October 12, 2026 are personal loans from 9.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Westmoreland Water Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.17%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Westmoreland Water Federal Credit Union
Main office

1900 Franklin St
Greensburg, PA 15601-5563

https://www.wwcu.org

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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.

Westmoreland Water Federal Credit Union Savings Rates

Product	Rate	APY	View More
Christmas Club	0.20%	0.20%
Details Dividend Rate; no dividends paid on balances below $100.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Westmoreland Water Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	4.99%	-	4.99%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Loan	5.99%	-	5.99%	120 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Line of Credit (120 months)=+	6.99%	-	6.99%	120 months
Details $10,000.00; Minimum $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Home Equity Loan	6.99%	-	6.99%	180 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Westmoreland Water Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles (36 months) Loan	4.49%	-	4.49%	36 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New Vehicles (48 months) Loan	4.49%	-	4.49%	48 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New Vehicles (60 months) Loan	4.49%	-	4.49%	60 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Vehicles (2025-2026) Loan	4.99%	-	4.99%	60 or less months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New Vehicles (72 months) Loan	5.00%	-	5.00%	72 months
Details As Low As; $25,000 or more Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New Vehicles (72 months) or more) Loan	5.00%	-	5.00%	72 months
Details $25,000; As Low As; New vehicles over $25,000.00 may be financed for 72 months Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Vehicles (2021-2024) Loan	5.25%	-	5.25%	60 or less months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Vehicles (2018-2020) Loan	5.49%	-	5.49%	60 or less months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Vehicles (2016-2017) Loan	5.74%	-	5.74%	60 or less months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Vehicles (72 months) Loan	6.00%	-	6.00%	72 months
Details As Low As; $25,000 or more; cannot be more than 10 years old Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Vehicles (72 months) or more) can not be more than 10 years old Loan	6.00%	-	6.00%	72 months
Details $25,000; As Low As; Vehicles over $25,000.00 may be financed for 72 months; cannot be more than 10 years old Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New ATV, Dirt Bike, Utility Vehicle Loan	6.49%	-	6.49%	60 months
Details As Low As; 100% MSRP Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New ATV, Dirt Bike, Utility Vehicle(100% MSRP) Loan	6.49%	-	6.49%	60 months
Details As Low As; 100% of MSRP Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used ATV, Dirt Bike, Utility Vehicle Loan	6.99%	-	6.99%	60 months
Details As Low As; 100% NADA Loan Value Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used ATV, Dirt Bike, Utility Vehicle(100% NADA Loan Value)	6.99%	-	6.99%	60 months
Details As Low As; 100% NADA Loan Value Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Antique/Classic Car (60 months) 20 years or older Loan	7.24%	-	7.24%	60 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Antique/Classic Car Loan	7.24%	-	7.24%	60 months
Details As Low As; 20 years or older Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Westmoreland Water Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV (80% NADA Loan Value)	7.49%	7.49%	120 months
Details As Low As; 80% NADA Loan Value Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New RV Loan	7.49%	7.49%	120 months
Details As Low As; 80% NADA Loan Value Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
New Boat Loan	7.99%	7.99%	120 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used Boat Loan	8.99%	8.99%	120 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used RV (80% NADA Loan Value)	8.99%	8.99%	120 months
Details As Low As; 80% NADA Loan Value Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Used RV Loan	8.99%	8.99%	120 months
Details As Low As; 80% NADA Loan Value Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Westmoreland Water Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	9.90%
Details Fixed APR on purchases and cash advances; ~25 day grace period Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Westmoreland Water Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Advances max Loan	9.90%	60 months
Details $15,000.00; As Low As; Maximum loan $15,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Westmoreland Water Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Mobile Home / Manufactured Home Loan	12.00%	-	12.00%	120 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
IRA Shares	0.20%	-	0.20%
Min Balance $0 Details Balance: $0.00-$25,000.00; Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
IRA Shares - Traditional and Roth	0.30%	-	0.30%
Min Balance $25,000 Details Balance: $25,000.01-$50,000.00; Dividend Rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
IRA Shares - Traditional and Roth	0.40%	-	0.40%
Min Balance $50,000 Details Balance: $50,000.01-$100,000.00; Dividend Rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
IRA Shares - Traditional and Roth	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.01 and up; Dividend Rate Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Primary Share Account	0.20%	-	0.20%
Details Dividend Rate; no dividends paid on balances below $100.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Special Share Account	0.20%	-	0.20%
Details Dividend Rate; no dividends paid on balances below $100.00 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Super Share Account	0.20%	-	0.20%
Min Balance $500 Details Balance: $500.00-$9,999.99; Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Super Share Account	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99; Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Super Share Account	0.40%	-	0.40%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99; Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%
Super Share Account	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000.00 and up; Dividend Rate Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.17%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Westmoreland Water Federal Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.17% 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	$24M	0.17%	5.0	A+
March 31, 2026	$23M	0.00%	5.0	A+
December 31, 2025	$23M	0.00%	5.0	A+
September 30, 2025	$23M	0.14%	5.0	A+
June 30, 2025	$23M	0.45%	5.0	A+
March 31, 2025	$23M	0.20%	5.0	A+
December 31, 2024	$23M	0.00%	5.0	A+
September 30, 2024	$23M	0.00%	5.0	A+
June 30, 2024	$23M	0.00%	5.0	A+
March 31, 2024	$23M	0.00%	5.0	A+
December 31, 2023	$22M	0.00%	5.0	A+
September 30, 2023	$22M	0.00%	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 Westmoreland Water 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 Westmoreland Water 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 Westmoreland Water Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Westmoreland Water Federal Credit Union

Website https://www.wwcu.org

Address 1900 Franklin St, Greensburg, PA 15601-5563

Phone 724-850-4797

Fax 724-836-7648

President Barrie Rohrbacher

CEO Stephanie Kernicky

Full-Time Employees 2

Part-Time Employees 2

Branch Locations 1

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

0.17%

Return on Assets (ROA)

0.8565%

Return on Equity (ROE)

4.5347%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

23,544,251

Total Amount of Shares and Deposits

19,093,394

Total Shares and Deposits < 1 Year

19,093,394

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

410,490

Total Uninsured Shares and Deposits > $250K (F+J)

410,490

Total Insured Shares and Deposits > $250K (item 17 less item K)

18,682,904

Total Interest Expense (Sum of items 6 8)

82,790

Share Certificates

178

Number of Accounts for Share Drafts

416

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,686

All other shares

Money Market Shares

107

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)

2,654,200

Total Liabilities

19,097,313

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Westmoreland Water Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Westmoreland Water Federal Credit Union

How many branches does Westmoreland Water Federal Credit Union operate?

Westmoreland Water 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 Westmoreland Water Federal Credit Union?

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

Does Westmoreland Water Federal Credit Union offer online and mobile banking?

Most modern institutions like Westmoreland Water 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.wwcu.org.