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iAdvertiser Disclosure
Advertiser Disclosure
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 Wichita Falls Federal 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 11, 2026
Wichita Falls Federal Credit Union's 6-Month Term CD rates are at 3.92%, Regular and IRA CD 6-Month Term CD rates are at 3.81%, 12-Month Term CD rates are at 3.76%, Regular and IRA CD 12-Month Term CD rates are at 3.66%, 24-Month Term CD rates are at 3.14%. Wichita Falls Federal Credit Union's savings rates are at 0.20%. MonitorBankRates evaluates the financial stability of Wichita Falls Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.63%. Rates were last updated on 04/11/2026. Wichita Falls 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 Wichita Falls Federal Credit Union? Share your experience about Wichita Falls Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Wichita Falls Federal Credit Union. Wichita Falls Federal Credit Union
WFFCU McNiel 3410 McNiel Ave
https://wffedcu.com Wichita Falls, TX 76308 
Wichita Falls Federal Credit Union CD Rates
Wichita Falls Federal Credit Union Savings Rates
Wichita Falls Federal Credit Union Checking Rates
Wichita Falls Federal Credit Union Mortgage Rates
Wichita Falls Federal Credit Union Home Equity & HELOC
Wichita Falls Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Wichita Falls 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 Wichita Falls 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 Wichita Falls Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Wichita Falls Federal Credit Union
Website
https://wffedcu.com
Address
3410 McNiel Ave,
Wichita Falls, TX 76308
Phone
940-322-9328
Fax
940-767-1058
President
Larry Krugle
CEO
Stacy Rogers
Full-Time Employees
13
Part-Time Employees
4
Branch Locations
2
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.63%
Return on Assets (ROA)
0.5901%
Return on Equity (ROE)
5.0468%
Non-Performing Loans Ratio (NPL)
0.12%
Total Assets
34,114,518
Total Amount of Shares and Deposits
29,848,167
Total Shares and Deposits < 1 Year
28,886,923
Total Shares and Deposits 1 3 Years
659,977
Total Shares and Deposits > 3 Years
301,268
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
626,126
Total Uninsured Shares and Deposits > $250K (F+J)
626,126
Total Insured Shares and Deposits > $250K (item 17 less item K)
29,222,041
Total Interest Expense (Sum of items 6 8)
195,722
Share Certificates
171
Number of Accounts for Share Drafts
1,841
IRA KEOGH Accounts
109
Number of Accounts for Regular Shares
2,910
All other shares
461
Net Income (unless the amount is already included in Undivided Earnings)
201,309
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,304,248
Total Liabilities
30,220,544
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Wichita Falls Federal Credit UnionIs Wichita Falls Federal Credit Union a safe place to deposit money?Yes, Wichita Falls Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.62692883341147%, 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 Wichita Falls Federal Credit Union operate?Wichita Falls 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 Wichita Falls Federal Credit Union?Yes, to access services at Wichita Falls 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, Wichita Falls 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, Wichita Falls Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Wichita Falls Federal Credit Union offer online and mobile banking?Most modern institutions like Wichita Falls 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://wffedcu.com. Current Wichita Falls Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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