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Wauna Federal Credit Union Rates & Review May 2026

Wauna Federal Credit Union's CD 6 month rates are at 2.75%, 13 Month Savers CD rates are at 2.00%, CD 12 month rates are at 1.90%, CD 18 month rates are at 1.50%, CD 24 month rates are at 1.35%. Wauna Federal Credit Union's savings rates are at 0.01%. Wauna Federal Credit Union's money market rates are at 0.05%. Wauna Federal Credit Union's Personal Loan Rates are at 13.00%. MonitorBankRates evaluates the financial stability of Wauna Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.31%. Rates were last updated on 05/17/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.31%
Excellent Higher than avg
Wauna Federal Credit Union
Corporate
101 Truehaak St
Clatskanie, OR 97016 7454
https://www.waunafcu.org
Member NCUA

Wauna Federal Credit Union CD Rates

Product Rate APY Term View More
Certificate 6 month 2.72% 2.75% 6 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
13 Month Savers Certificate 1.98% 2.00% 13 Month
Min Deposit $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 12 month 1.88% 1.90% 12 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 18 month 1.49% 1.50% 18 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 24 month 1.34% 1.35% 24 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 36 month 1.24% 1.25% 36 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 48 month 1.10% 1.10% 48 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 60 month 1.10% 1.10% 60 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Certificate 3 month 0.55% 0.55% 3 month
Min Deposit $500
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Wauna Federal Credit Union Savings Rates

Product Rate APY View More
Jump Start Youth Savings 3.45% 3.50%
No additional details.
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Health Savings Account (HSA) 0.25% 0.25%
Min Balance $10,000
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Health Savings Account (HSA) 0.15% 0.15%
Min Balance $2,500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Holiday Club 0.10% 0.10%
Min Balance $50
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Health Savings Account (HSA) 0.05% 0.05%
No additional details.
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Savings / Share Advantage 0.01% 0.01%
Min Balance $100
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Wauna Federal Credit Union Money Market Rates

Product Rate APY View More
Elite + Money Market 2.36% 2.38%
Min Balance $750,000
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Elite + Money Market 2.11% 2.13%
Min Balance $250,000
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Elite + Money Market 1.49% 1.50%
Min Balance $100,000
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Elite + Money Market 0.75% 0.75%
Min Balance $5,000
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Traditional Money Market 0.10% 0.10%
Min Balance $50,000
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Traditional Money Market 0.05% 0.05%
Min Balance $500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Wauna Federal Credit Union Checking Rates

Product Rate APY View More
Go Green Checking 1.49% 1.50%
Min Balance $0
Details Qualifying balance up to $10,000.00
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
High Interest Checking 1.49% 1.50%
Min Balance $1,500
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
50+ Interest Checking 0.25% 0.25%
No additional details.
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Easy Interest Checking 0.25% 0.25%
No additional details.
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
High Interest Checking 0.05% 0.05%
Details Qualifying balance up to $1,499.99
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Wauna Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Up To 100% CLTV Home Equity Loan Fixed Rate - - 6.35%
Details Contact WCU for terms
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
HELOCs - - 6.75%
Details As Low As
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Home Equity Line of Credit - - 6.75%
Details Variable Rate**; Contact WCU for terms
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Home Equity Line of Credit Variable Rate - - 6.75%
Details Contact WCU for terms
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Up To 100% CLTV Home Equity Loan Fixed Rate - - 13.85%
Details Contact WCU for terms
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Home Equity Line of Credit - - 14.75%
Details Variable Rate**; Contact WCU for terms
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
Home Equity Line of Credit Variable Rate - - 14.75%
Details Contact WCU for terms
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Wauna Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Rewards - 2.99%
Details Intro rate expires: 6 months; Regular APR: 12.40%
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%
VISA Platinum - 14.90%
No additional details.
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Wauna Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Line of Credit - 13.00%
No additional details.
Last Updated 05/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.31%

Methodology & Data Sources

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

Credit Union Profile & Overview

Credit Union Name Wauna Federal Credit Union
Address 101 Truehaak St, Clatskanie, OR 97016 7454
Phone 503-728-4321
Fax 503-728-3042
President Beth Van Elswyk
CEO Robert Blumberg
Full-Time Employees 110
Part-Time Employees 5
Branch Locations 8
ATM Locations 10
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.31%
Return on Assets (ROA)
0.6723%
Return on Equity (ROE)
7.9078%
Non-Performing Loans Ratio (NPL)
0.82%
Total Assets
408,426,842
Total Amount of Shares and Deposits
370,929,895
Total Shares and Deposits < 1 Year
369,082,617
Total Shares and Deposits 1 3 Years
1,456,458
Total Shares and Deposits > 3 Years
390,820
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,562,028
Total Uninsured Shares and Deposits > $250K (F+J)
27,562,028
Total Insured Shares and Deposits > $250K (item 17 less item K)
343,367,867
Total Interest Expense (Sum of items 6 8)
3,584,247
Share Certificates
1,693
Number of Accounts for Share Drafts
19,733
IRA KEOGH Accounts
643
Number of Accounts for Regular Shares
31,064
All other shares
442
Money Market Shares
1,222
Net Income (unless the amount is already included in Undivided Earnings)
2,743,667
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,654,779
Total Liabilities
379,506,558
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Wauna Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews
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Frequently Asked Questions About Wauna Federal Credit Union

How many branches does Wauna Federal Credit Union operate?

Wauna 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 Wauna Federal Credit Union?

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

Does Wauna Federal Credit Union offer online and mobile banking?

Most modern institutions like Wauna 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://www.waunafcu.org.

Current Wauna Federal Credit Union Rates

  • 12-Month CD2.75%
  • 18-Month CD1.50%
  • 24-Month CD1.35%
  • 60-Month CD1.10%
  • Savings0.01%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.