|
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.
 Wheat State Credit Union Rates & Review September 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: September 22, 2026
Wheat State Credit Union's 36 Month CD rates are at 3.00%, 48 Month CD rates are at 3.00%, 60 Month CD rates are at 3.00%, 24 Month CD rates are at 2.75%, 18 Month CD rates are at 2.60%. Wheat State Credit Union's savings rates are at 0.03%. Wheat State Credit Union's money market rates are at 0.40%. MonitorBankRates evaluates the financial stability of Wheat State Credit Union with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.24%. Rates last updated and verified on 09/22/2026. Wheat State 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 Wheat State Credit Union? Share your experience about Wheat State Credit Union by leaving a review below, or read customer reviews before you decide to use Wheat State Credit Union. Wheat State Credit Union
Wheat State CU Main 1400 S Oliver Ave
https://www.wheatstatecu.com Wichita, KS 67218-3226 
Wheat State Credit Union CD Rates
Wheat State Credit Union Savings Rates
Wheat State Credit Union Money Market Rates
Wheat State Credit Union Other Rates
Financial Health HistoryWheat State Credit Union’s Texas Ratio rose from 13.76% in Q2 2023 to 17.24% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. 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)
Powered by
MonitorBankRates
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 Wheat State 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 Wheat State 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 Wheat State Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Wheat State Credit Union
Website
https://www.wheatstatecu.com
Address
1400 S Oliver Ave,
Wichita, KS 67218-3226
Phone
316-687-4101
Fax
316-687-4170
President
Leland Bittle
CEO
Doug Cheatum
Full-Time Employees
8
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
B+ (90/100)
Texas Ratio
17.24%
Return on Assets (ROA)
-0.3581%
Return on Equity (ROE)
-4.3403%
Non-Performing Loans Ratio (NPL)
2.09%
Total Assets
22,492,604
Total Amount of Shares and Deposits
20,102,250
Total Shares and Deposits < 1 Year
18,914,322
Total Shares and Deposits 1 3 Years
1,079,735
Total Shares and Deposits > 3 Years
108,193
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
720,472
Total Uninsured Shares and Deposits > $250K (F+J)
720,472
Total Insured Shares and Deposits > $250K (item 17 less item K)
19,381,778
Total Interest Expense (Sum of items 6 8)
68,076
Share Certificates
222
Number of Accounts for Share Drafts
1,582
IRA KEOGH Accounts
62
Number of Accounts for Regular Shares
3,815
Non Member Deposits
2
Money Market Shares
22
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)
1,813,294
Total Liabilities
20,636,863
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Wheat State Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Wheat State Credit Union
Frequently Asked Questions About Wheat State Credit UnionHow many branches does Wheat State Credit Union operate?Wheat State 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 Wheat State Credit Union?Yes, to access services at Wheat State 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, Wheat State 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, Wheat State Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Wheat State Credit Union offer online and mobile banking?Most modern institutions like Wheat State 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.wheatstatecu.com. Current Wheat State Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Electrical Federal Credit Union
U S #1364 Federal Credit Union
Washington State Employees Credit Union
Treasury Employees Federal Credit Union
Hershey Robinson Employees Credit Union
Cape Federal Credit Union
McPherson Co-op Credit Union
Idaho United Credit Union
Valley 1st Community Federal Credit Union
DoverPhila Federal Credit Union
Fayette Federal Credit Union
California Agribusiness Credit Union
NRS Community Development Federal Credit Union
Plus Credit Union
Corporate America Family Credit Union
Technology Credit Union
North Central Area Credit Union
Vystar Credit Union
Georgetown Kraft Credit Union
Ulster Federal Credit Union
Greater Central Texas Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
