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Whiting Refinery Federal Credit Union

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Whiting Refinery Federal Credit Union Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Whiting Refinery 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: May 16, 2026

You can compare Whiting Refinery Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.76%, 6-month share certificate rates at 3.95% and 3-month share certificate rates at 0.75%. Savings rates are at 0.25% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.96%. All these rates can be compared to Whiting Refinery Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Whiting Refinery Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.03%. Rates were last updated on 05/16/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.03%

Excellent Lower than avg

Whiting Refinery Federal Credit Union
Whiting Refinery FCU

1339 119th St
Whiting, IN 46394

https://www.wrfcu.org

Current Rate Availability

We do not have Whiting Refinery Federal 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 Whiting Refinery 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 Whiting Refinery 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 Whiting Refinery Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Whiting Refinery Federal Credit Union

Website https://www.wrfcu.org

Address 1339 119th St, Whiting, IN 46394

Phone 219-659-3254

Fax 219-659-0790

President Carl Towner

CEO Julie Boyle

Full-Time Employees 4

Part-Time Employees 1

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+ (99/100)

Texas Ratio

2.03%

Return on Assets (ROA)

0.4440%

Return on Equity (ROE)

1.6863%

Non-Performing Loans Ratio (NPL)

1.16%

Total Assets

52,779,368

Total Amount of Shares and Deposits

38,833,458

Total Shares and Deposits < 1 Year

34,004,715

Total Shares and Deposits 1 3 Years

3,804,570

Total Shares and Deposits > 3 Years

1,024,172

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

1,737,010

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

1,737,010

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

37,096,448

Total Interest Expense (Sum of items 6 8)

814,166

Share Certificates

441

Number of Accounts for Share Drafts

344

Number of Accounts for Regular Shares

2,048

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,648,450

Total Liabilities

38,880,725

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Whiting Refinery Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Whiting Refinery Federal Credit Union

How many branches does Whiting Refinery Federal Credit Union operate?

Whiting Refinery 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 Whiting Refinery Federal Credit Union?

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

Does Whiting Refinery Federal Credit Union offer online and mobile banking?

Most modern institutions like Whiting Refinery 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.wrfcu.org.