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The Wright Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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 and Verified: September 22, 2026

The Wright Credit Union's savings rates are at 0.20%. The Wright Credit Union's 1st Mortgage ( Residence or with land) rates are at 7.00%, 1st Mortgage ( Residence or with land) rates are at 8.00%. The Wright Credit Union's Personal Loan Rates are as low as 10.90%. MonitorBankRates evaluates the financial stability of The Wright Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.91%. Rates last updated and verified on 09/22/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.91%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
The Wright Credit Union
The Wright Credit Union
286 N Broad St
Toccoa, GA 30577
https://thewrightcu.org
Member NCUA

The Wright Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.20% 0.20%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%
Share Savings 0.20% 0.20%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%

The Wright Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage ( Residence or with land) 7.00% - 7.00% 180 months
Details Term: 180 months (60 month balloon payment); 80% financing appraised value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%
1st Mortgage ( Residence or with land) 8.00% - 8.00% 240 months
Details Term: 240 months (60 month balloon payment); 80% financing appraised value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%

The Wright Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Cars/Trucks Loan - - 5.00% Up to 72 months
Details Term: Up to 72 months financing; Published APR range: 5.00%-17.00%. Rates as low as 5.00% up to 17.00%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%

The Wright Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boats/Recreational Vehicles/Tractors Loan - 6.50% Up to 72 months
Details Term: Up to 72 months financing; Published APR range: 6.50%-17.00%. Rates as low as 6.50% up to 17.00%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%

The Wright Credit Union Personal Loan Rates

Product APR Term View More
Personal/Signature Loan 10.90% Up to 36 months
Details Published APR range: 10.90%-17.00%. Rates as low as 10.90% up to 17.00%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%

The Wright Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of Credit - - 18.00% 35 months
Details Term: $35 per $100 per month; $300 Maximum
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%
New Furniture/Household Appliances Loan - - 10.90% 36 months
Details Term: 36 months (up to 100% financing list price); Published APR range: 10.90%-18.00%. Rates as low as 10.90% up to 18.00%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%
IRA Passbook Account 0.35% - 0.35%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%
Share Draft Account 0.05% - 0.05%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.91%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

The Wright Credit Union’s Texas Ratio rose from 3.31% in Q2 2023 to 6.91% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.31% A+ Q2 2023 A+ Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 6.91% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$16M6.91%5.0A
December 31, 2025$16M1.29%5.0A+
September 30, 2025$16M4.35%5.0A+
June 30, 2025$17M4.37%5.0A+
March 31, 2025$17M2.45%5.0A+
December 31, 2024$16M2.98%5.0A+
September 30, 2024$17M11.29%5.0A
June 30, 2024$17M11.85%5.0A
March 31, 2024$16M9.53%5.0A
December 31, 2023$17M6.37%5.0A
September 30, 2023$17M5.88%5.0A+
June 30, 2023$17M3.31%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for The Wright 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 The Wright 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 The Wright Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name The Wright Credit Union
Website https://thewrightcu.org
Address 286 N Broad St, Toccoa, GA 30577
Phone 706-886-2908
Fax 706-886-0154
President Mark Richardson
CEO Alaina LaCount
Full-Time Employees 6
Part-Time Employees 3
Branch Locations 2
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.91%
Return on Assets (ROA)
0.1401%
Return on Equity (ROE)
0.8335%
Non-Performing Loans Ratio (NPL)
1.92%
Total Assets
16,423,216
Total Amount of Shares and Deposits
13,629,252
Total Shares and Deposits < 1 Year
13,069,115
Total Shares and Deposits 1 3 Years
560,137
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
326,148
Total Uninsured Shares and Deposits > $250K (F+J)
326,148
Total Insured Shares and Deposits > $250K (item 17 less item K)
13,303,104
Total Interest Expense (Sum of items 6 8)
25,932
Share Certificates
102
Number of Accounts for Share Drafts
773
IRA KEOGH Accounts
64
Number of Accounts for Regular Shares
2,057
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,548,434
Total Liabilities
13,663,184
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

The Wright Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/the-wright-credit-union-rates-review-67564">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for The Wright Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About The Wright Credit Union

How many branches does The Wright Credit Union operate?

The Wright 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 The Wright Credit Union?

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

Does The Wright Credit Union offer online and mobile banking?

Most modern institutions like The Wright 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://thewrightcu.org.

Current The Wright Credit Union Rates

  • Savings0.20%
Retrieved from our database of financial products. Rates subject to change.

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