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iAdvertiser Disclosure
Advertiser Disclosure
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 Wheat State Credit Union Rates & Review April 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: April 19, 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 3.6 Star Rating, an D Overall Health Grade, and a Texas Ratio of 32.05%. Rates were last updated on 04/19/2026. 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
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
7
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.6 / 5.0 ★
Overall Health & Safety Grade
D (70/100)
Texas Ratio
32.05%
Return on Assets (ROA)
-0.6436%
Return on Equity (ROE)
-7.3031%
Non-Performing Loans Ratio (NPL)
3.12%
Total Assets
22,539,157
Total Amount of Shares and Deposits
20,068,845
Total Shares and Deposits < 1 Year
19,022,374
Total Shares and Deposits 1 3 Years
938,253
Total Shares and Deposits > 3 Years
108,219
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
602,363
Total Uninsured Shares and Deposits > $250K (F+J)
603,288
Total Insured Shares and Deposits > $250K (item 17 less item K)
19,465,557
Total Interest Expense (Sum of items 6 8)
299,422
Share Certificates
256
Number of Accounts for Share Drafts
1,550
IRA KEOGH Accounts
64
Number of Accounts for Regular Shares
3,814
Non Member Deposits
1
Money Market Shares
24
Net Income (unless the amount is already included in Undivided Earnings)
-145,053
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
370,679
Total Liabilities
20,552,965
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Wheat State Credit UnionIs Wheat State Credit Union a safe place to deposit money?Yes, Wheat State Credit Union is considered a safe financial institution. With a Texas Ratio of 32.04896606169%, the institution's financial health is rated as stable. 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 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.
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