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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.
 Windthorst 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 5, 2026
Windthorst Federal Credit Union's 1 Year Super IRA CDs rates are at 3.97%, 1 Year IRA CDs rates are at 3.56%, 3 Year IRA CDs rates are at 3.56%. Windthorst Federal Credit Union's First Mortgage Residential 5 YR. Balloon rates are at 7.75%, First Mortgage Residential 10 YRS. rates are at 8.00%, First Mortgage Residential 15 YRS. rates are at 8.15%, First Mortgage Residential 20 YRS. rates are at 8.50%. MonitorBankRates evaluates the financial stability of Windthorst Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.23%. Rates were last updated on 04/05/2026. Windthorst 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 Windthorst Federal Credit Union? Share your experience about Windthorst Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Windthorst Federal Credit Union. Windthorst Federal Credit Union
MAIN SITE 14205 W FM 174
https://www.windthorstfcu.org WINDTHORST, TX 76389 
Windthorst Federal Credit Union CD Rates
Windthorst Federal Credit Union Checking Rates
Windthorst Federal Credit Union Mortgage Rates
Windthorst Federal Credit Union Home Equity & HELOC
Windthorst Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Windthorst 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 Windthorst 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 Windthorst Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Windthorst Federal Credit Union
Website
https://www.windthorstfcu.org
Address
14205 W FM 174,
WINDTHORST, TX 76389
Phone
940-423-6776
Fax
940-423-6774
President
Charles Veitenheimer
CEO
Judy Koetter
Full-Time Employees
13
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.23%
Return on Assets (ROA)
0.7870%
Return on Equity (ROE)
6.3798%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
96,752,880
Total Amount of Shares and Deposits
84,539,219
Total Shares and Deposits < 1 Year
78,869,916
Total Shares and Deposits 1 3 Years
5,669,303
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,829,314
Total Uninsured Shares and Deposits > $250K (F+J)
15,829,314
Total Insured Shares and Deposits > $250K (item 17 less item K)
68,709,905
Total Interest Expense (Sum of items 6 8)
1,845,562
Share Certificates
605
Number of Accounts for Share Drafts
1,659
IRA KEOGH Accounts
103
Number of Accounts for Regular Shares
3,762
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,094,052
Total Liabilities
84,816,823
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Windthorst Federal Credit UnionIs Windthorst Federal Credit Union a safe place to deposit money?Yes, Windthorst Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.2316283342146%, 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 Windthorst Federal Credit Union operate?Windthorst 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 Windthorst Federal Credit Union?Yes, to access services at Windthorst 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, Windthorst 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, Windthorst Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Windthorst Federal Credit Union offer online and mobile banking?Most modern institutions like Windthorst 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.windthorstfcu.org. Current Windthorst Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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