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Wharton County Teachers Credit Union

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Wharton County Teachers Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wharton County Teachers 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: April 23, 2026

You can compare Wharton County Teachers Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.80%, 6-month share certificate rates at 3.00% and 3-month share certificate rates at 3.65%. Savings rates are at 0.01% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.18%. All these rates can be compared to Wharton County Teachers Credit Union rates. MonitorBankRates evaluates the financial stability of Wharton County Teachers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.15%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.15%

Excellent Lower than avg

Wharton County Teachers Credit Union
Wharton County Teachers Credit Union

2114 Junior College Blvd
Wharton, TX 77488

https://wctcu.org

Current Rate Availability

We do not have Wharton County Teachers 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 Wharton County Teachers 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 Wharton County Teachers 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 Wharton County Teachers Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wharton County Teachers Credit Union

Website https://wctcu.org

Address 2114 Junior College Blvd, Wharton, TX 77488

Phone 979-532-1930

Fax 979-532-8099

President Kevin Stehling

CEO Harold Parnell

Full-Time Employees 0

Part-Time Employees 5

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

0.15%

Return on Assets (ROA)

0.7740%

Return on Equity (ROE)

2.8965%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

7,788,323

Total Amount of Shares and Deposits

5,683,158

Total Shares and Deposits < 1 Year

5,683,158

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

324,344

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

324,344

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

5,358,814

Total Interest Expense (Sum of items 6 8)

6,453

Number of Accounts for Share Drafts

Number of Accounts for Regular Shares

713

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

29,521

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

276,401

Total Liabilities

5,707,172

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Wharton County Teachers Credit Union

Is Wharton County Teachers Credit Union a safe place to deposit money?

Yes, Wharton County Teachers Credit Union is considered a safe financial institution. With a Texas Ratio of 0.15492626294321%, 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 Wharton County Teachers Credit Union operate?

Wharton County Teachers 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 Wharton County Teachers Credit Union?

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

Does Wharton County Teachers Credit Union offer online and mobile banking?

Most modern institutions like Wharton County Teachers 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://wctcu.org.