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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.
 Winston Salem 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 6, 2026
Winston Salem Federal Credit Union's 12 Month CD Savings Plan rates are at 3.82%, 18 Month CD Savings Plan rates are at 3.61%, 24 Month CD Savings Plan rates are at 3.61%, 36 Month CD Savings Plan rates are at 3.35%, 48 Month CD Savings Plan rates are at 3.35%. Winston Salem Federal Credit Union's money market rates are at 1.64%. MonitorBankRates evaluates the financial stability of Winston Salem Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.34%. Rates were last updated on 04/06/2026. Winston Salem 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 Winston Salem Federal Credit Union? Share your experience about Winston Salem Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Winston Salem Federal Credit Union. Winston Salem Federal Credit Union
MAIN BRANCH 711 E SALEM AVE
https://www.mywsfcu.org WINSTON SALEM, NC 27101 5365 
Winston Salem Federal Credit Union CD Rates
Winston Salem Federal Credit Union Savings Rates
Winston Salem Federal Credit Union Money Market Rates
Winston Salem Federal Credit Union Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Winston Salem 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 Winston Salem 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 Winston Salem Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Winston Salem Federal Credit Union
Website
https://www.mywsfcu.org
Address
711 E SALEM AVE,
WINSTON SALEM, NC 27101 5365
Phone
336-727-2663
Fax
336-727-8422
President
Kevin Lyons
CEO
John Jameson
Full-Time Employees
24
Part-Time Employees
2
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
3.34%
Return on Assets (ROA)
-0.1464%
Return on Equity (ROE)
-1.1611%
Non-Performing Loans Ratio (NPL)
1.27%
Total Assets
59,848,241
Total Amount of Shares and Deposits
52,315,730
Total Shares and Deposits < 1 Year
50,427,508
Total Shares and Deposits 1 3 Years
1,843,704
Total Shares and Deposits > 3 Years
44,518
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,988,218
Total Uninsured Shares and Deposits > $250K (F+J)
2,233,294
Total Insured Shares and Deposits > $250K (item 17 less item K)
50,082,436
Total Interest Expense (Sum of items 6 8)
148,004
Share Certificates
533
Number of Accounts for Share Drafts
7,427
IRA KEOGH Accounts
192
Number of Accounts for Regular Shares
9,425
Non Member Deposits
3
Money Market Shares
864
Net Income (unless the amount is already included in Undivided Earnings)
-87,596
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,530,482
Total Liabilities
53,589,684
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Winston Salem Federal Credit UnionIs Winston Salem Federal Credit Union a safe place to deposit money?Yes, Winston Salem Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3414032414308%, 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 Winston Salem Federal Credit Union operate?Winston Salem 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 Winston Salem Federal Credit Union?Yes, to access services at Winston Salem 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, Winston Salem 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, Winston Salem Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Winston Salem Federal Credit Union offer online and mobile banking?Most modern institutions like Winston Salem 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.mywsfcu.org. Current Winston Salem Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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