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Ware County School Employees FCU

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Ware County School Employees FCU Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ware County School Employees FCU provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Ware County School Employees FCU rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.00%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.72%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.37%. These rates come from our rate database, not Ware County School Employees FCU, and you can see how they compare in the Ware County School Employees FCU rate tables below. MonitorBankRates evaluates the financial stability of Ware County School Employees FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Database rates last updated and verified on 10/13/2026.

Ware County School Employees FCU 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 Ware County School Employees FCU? Share your experience about Ware County School Employees FCU by leaving a review below, or read customer reviews before you decide to use Ware County School Employees FCU.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Ware County School Employees FCU
MAIN OFFICE

1301 BAILEY ST
WAYCROSS, GA 31501

https://www.warecountyschoolemployeesfcu.com/

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Ware County School Employees FCU Other Rates

Product	Rate	Points	APY/APR	Term	View More
Short Term Small Amount Loan	-	-	28.00%	6 Months Maximum
Details Principal Amount: $200-$1,000; Loan Fee: $20; Eligibility: Member for at least 1 Month; Loan must be paid within term; Only one unsecured/signature loan type at a time; 28.00% APR applies with payroll deduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 28.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

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.
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Financial Health History

Ware County School Employees FCU’s Texas Ratio fell from 1.04% in Q3 2023 to 0.01% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6M	0.01%	5.0	A+
March 31, 2026	$6M	0.07%	5.0	A+
December 31, 2025	$6M	0.13%	5.0	A+
September 30, 2025	$6M	0.19%	5.0	A+
June 30, 2025	$6M	0.00%	5.0	A+
March 31, 2025	$6M	0.00%	5.0	A+
December 31, 2024	$6M	0.02%	5.0	A+
September 30, 2024	$6M	0.00%	5.0	A+
June 30, 2024	$7M	0.00%	5.0	A+
March 31, 2024	$7M	0.00%	5.0	A+
December 31, 2023	$7M	0.70%	5.0	A+
September 30, 2023	$7M	1.04%	5.0	A+

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 Ware County School Employees FCU 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 Ware County School Employees FCU 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 Ware County School Employees FCU's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ware County School Employees FCU

Website https://www.warecountyschoolemployeesfcu.com/

Address 1301 BAILEY ST, WAYCROSS, GA 31501

Phone 912-285-9728

Fax 912-287-2202

President RANDY YONZ

CEO PRISCILLA CHRISTOPHER

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.01%

Return on Assets (ROA)

0.5226%

Return on Equity (ROE)

3.7123%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

6,269,300

Total Amount of Shares and Deposits

5,389,564

Total Shares and Deposits < 1 Year

5,389,564

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

678,616

Total Uninsured Shares and Deposits > $250K (F+J)

678,616

Total Insured Shares and Deposits > $250K (item 17 less item K)

4,710,948

Total Interest Expense (Sum of items 6 8)

56,661

Share Certificates

Number of Accounts for Regular Shares

1,025

Net Income (unless the amount is already included in Undivided Earnings)

31,766

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)

704,640

Total Liabilities

5,386,678

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ware County School Employees FCU earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/ware-county-school-employees-federal-credit-union-rates-review-15265">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Frequently Asked Questions About Ware County School Employees FCU

How many branches does Ware County School Employees FCU operate?

Ware County School Employees FCU 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 Ware County School Employees FCU?

Yes, to access services at Ware County School Employees FCU, 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, Ware County School Employees FCU 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, Ware County School Employees FCU provides members with tools to manage their accounts and build a solid financial history.

Does Ware County School Employees FCU offer online and mobile banking?

Most modern institutions like Ware County School Employees FCU 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.warecountyschoolemployeesfcu.com/.