|
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.
 WNC Community 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
WNC Community Credit Union's 6-Month CD rates are at 3.00%, 12-Month CD rates are at 2.00%, 2-Year CD rates are at 1.50%. MonitorBankRates evaluates the financial stability of WNC Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.64%. Rates were last updated on 04/19/2026. WNC Community 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 WNC Community Credit Union? Share your experience about WNC Community Credit Union by leaving a review below, or read customer reviews before you decide to use WNC Community Credit Union. WNC Community Credit Union
WNC Community CU 27 Kent Ln
https://www.wncccu.org/ Waynesville, NC 28786 6099 
WNC Community Credit Union CD Rates
WNC Community Credit Union Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for WNC Community 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 WNC Community 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 WNC Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
WNC Community Credit Union
Website
https://www.wncccu.org/
Address
27 Kent Ln,
Waynesville, NC 28786 6099
Phone
828-456-1840
Fax
828-456-1877
President
Bobby Capps
CEO
William Roberts
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+ (99/100)
Texas Ratio
1.64%
Return on Assets (ROA)
0.4072%
Return on Equity (ROE)
2.4068%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
94,304,131
Total Amount of Shares and Deposits
77,964,766
Total Shares and Deposits < 1 Year
77,914,767
Total Shares and Deposits 1 3 Years
50,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,338,454
Total Uninsured Shares and Deposits > $250K (F+J)
1,338,454
Total Insured Shares and Deposits > $250K (item 17 less item K)
76,626,312
Total Interest Expense (Sum of items 6 8)
914,667
Share Certificates
121
Number of Accounts for Share Drafts
1,737
IRA KEOGH Accounts
270
Number of Accounts for Regular Shares
4,037
All other shares
260
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,621,676
Total Liabilities
78,464,371
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About WNC Community Credit UnionIs WNC Community Credit Union a safe place to deposit money?Yes, WNC Community Credit Union is considered a safe financial institution. With a Texas Ratio of 1.6408881072102%, 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 WNC Community Credit Union operate?WNC Community 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 WNC Community Credit Union?Yes, to access services at WNC Community 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, WNC Community 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, WNC Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does WNC Community Credit Union offer online and mobile banking?Most modern institutions like WNC Community 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.wncccu.org/. Current WNC Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Focus First Federal Credit Union
United Heritage Credit Union
Members 1st Credit Union Brattleboro, VT
Loyola University Employees Federal Credit Union
Fayette Federal Employees Federal Credit Union
Hanscom Federal Credit Union
Palace City Federal Credit Union
Sun Federal Credit Union
A+ Federal Credit Union
State Employees Community Credit Union
MountainCrest Credit Union
Molokai Community Federal Credit Union
Minnequa Works Credit Union
Altamaha Federal Credit Union
City of Fairmont Federal Credit Union
Linkage Credit Union
SAFE Federal Credit Union
Great Lakes Federal Credit Union
Plymouth County Teachers Federal Credit Union
Lutheran Federal Credit Union
First Frontier Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||
