|
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.
 Waters Edge 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 25, 2026
Waters Edge Federal Credit Union's 1 year High Dividend-Bearing CD rates are at 3.00%. MonitorBankRates evaluates the financial stability of Waters Edge Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.93%. Rates were last updated on 04/25/2026. Waters Edge 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 Waters Edge Federal Credit Union? Share your experience about Waters Edge Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Waters Edge Federal Credit Union. Waters Edge Federal Credit Union
Office 1976 Popps Ferry Rd
https://watersedgefcu.com Biloxi, MS 39532 
Waters Edge Federal Credit Union CD Rates
Waters Edge Federal Credit Union Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Waters Edge 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 Waters Edge 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 Waters Edge Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Waters Edge Federal Credit Union
Website
https://watersedgefcu.com
Address
1976 Popps Ferry Rd,
Biloxi, MS 39532
Phone
228-896-0038
Fax
228-896-4275
President
Nanette Butts
CEO
Amy Olier
Full-Time Employees
2
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 (96/100)
Texas Ratio
7.93%
Return on Assets (ROA)
0.1303%
Return on Equity (ROE)
1.7407%
Non-Performing Loans Ratio (NPL)
1.25%
Total Assets
5,364,872
Total Amount of Shares and Deposits
4,685,435
Total Shares and Deposits < 1 Year
4,615,109
Total Shares and Deposits 1 3 Years
40,091
Total Shares and Deposits > 3 Years
30,236
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,685,435
Total Interest Expense (Sum of items 6 8)
74,091
Share Certificates
55
Number of Accounts for Regular Shares
614
All other shares
30
Net Income (unless the amount is already included in Undivided Earnings)
13,477
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
242,464
Total Liabilities
4,963,247
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Waters Edge Federal Credit UnionIs Waters Edge Federal Credit Union a safe place to deposit money?Yes, Waters Edge Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.9333782142352%, 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 Waters Edge Federal Credit Union operate?Waters Edge 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 Waters Edge Federal Credit Union?Yes, to access services at Waters Edge 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, Waters Edge 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, Waters Edge Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Waters Edge Federal Credit Union offer online and mobile banking?Most modern institutions like Waters Edge 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://watersedgefcu.com. Current Waters Edge Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Latvian Cleveland Credit Union
Merco Credit Union
Weyco Community Credit Union
Deer Lodge County School Employees Federal Credit Union
Local 355 MD Federal Credit Union
Baylands Family Credit Union
Members Advantage Credit Union
Grand Central Terminal Employees Federal Credit Union
ARC Federal Credit Union
Lubbock Telco Federal Credit Union
PeoplesChoice Credit Union
Federal Employees Credit Union Monroe, LA
Rio Blanco Schools Federal Credit Union
GHA Federal Credit Union
ILWU Federal Credit Union
SCI Federal Credit Union
Cooperative Extension Service Federal Credit Union
COTTONWOOD COMMUNITY
Liberty County Teachers Federal Credit Union
Memphis City Employees Credit Union
Whitefish Credit Union Association
|
|||||||||||||||||||||||||||
