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Ware County School Employees FCU

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Ware County School Employees FCU Rates & Review April 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: April 23, 2026

You can compare Ware County School Employees FCU rates to other rates in our database, including 12-month share certificate rates currently at 0.00%, 6-month share certificate rates at 3.02% and 3-month share certificate rates at 3.55%. Savings rates are at 0.10% and money market rates are at 1.21%. Mortgage rates on 30-year fixed loans are around 6.11%. All these rates can be compared to Ware County School Employees FCU rates. 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 0.19%. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.19%

Excellent Lower than avg

Ware County School Employees FCU
MAIN OFFICE

1301 BAILEY ST
WAYCROSS, GA 31501

https://www.warecountyschoolemployeesfcu.com/

Current Rate Availability

We do not have Ware County School Employees FCU rates right now, but we are constantly updating our database so check back often for updated rates.

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

0.19%

Return on Assets (ROA)

0.6369%

Return on Equity (ROE)

4.7826%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

6,296,282

Total Amount of Shares and Deposits

5,459,718

Total Shares and Deposits < 1 Year

5,459,718

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

415,434

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

415,434

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

5,044,284

Total Interest Expense (Sum of items 6 8)

91,052

Share Certificates

Number of Accounts for Regular Shares

1,034

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

40,102

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

973,726

Total Liabilities

5,457,791

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Ware County School Employees FCU yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Ware County School Employees FCU

Is Ware County School Employees FCU a safe place to deposit money?

Yes, Ware County School Employees FCU is considered a safe financial institution. With a Texas Ratio of 0.19103532892247%, 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 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/.