MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. WAYCOSE Federal Credit Union
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.

WAYCOSE Federal Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| 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: April 23, 2026

You can compare WAYCOSE Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.30%, 6-month share certificate rates at 3.47% and 3-month share certificate rates at 0.05%. Savings rates are at 0.73% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 6.51%. All these rates can be compared to WAYCOSE Federal Credit Union rates. MonitorBankRates evaluates the financial stability of WAYCOSE Federal Credit Union with a 3.5 Star Rating, an D Overall Health Grade, and a Texas Ratio of 33.42%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade ?
D
Weak Health Score: 68/100
MonitorBankRates Rating ?
3.5
Good Out of 5.0 Stars
Texas Ratio ?
33.42%
Fair Higher than avg
WAYCOSE Federal Credit Union
Main office
3851 Piedmont Rd
Huntington, WV 25704 1930
https://www.waycosefcu.com
Member NCUA

Current Rate Availability

We do not have WAYCOSE Federal Credit Union 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 WAYCOSE 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 WAYCOSE 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 WAYCOSE Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WAYCOSE Federal Credit Union
Website https://www.waycosefcu.com
Address 3851 Piedmont Rd, Huntington, WV 25704 1930
Phone 304-429-1213
Fax 304-429-5998
President Phil Alexander
CEO Tracy Foster
Full-Time Employees 0
Part-Time Employees 5
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
3.5 / 5.0 ★
Overall Health & Safety Grade
D (68/100)
Texas Ratio
33.42%
Return on Assets (ROA)
-0.4286%
Return on Equity (ROE)
-2.8507%
Non-Performing Loans Ratio (NPL)
7.01%
Total Assets
3,155,875
Total Amount of Shares and Deposits
2,677,887
Total Shares and Deposits < 1 Year
2,677,887
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,677,887
Total Interest Expense (Sum of items 6 8)
40,167
Share Certificates
5
Number of Accounts for Share Drafts
118
IRA KEOGH Accounts
278
Number of Accounts for Regular Shares
918
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
738,789
Total Liabilities
2,681,435
Source: NCUA — Last Updated 09/30/2023

Customer Reviews

There are no reviews for WAYCOSE Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for WAYCOSE Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About WAYCOSE Federal Credit Union

Is WAYCOSE Federal Credit Union a safe place to deposit money?

Yes, WAYCOSE Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 33.415690794007%, the institution's financial health is rated as stable. 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 WAYCOSE Federal Credit Union operate?

WAYCOSE 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 WAYCOSE Federal Credit Union?

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

Does WAYCOSE Federal Credit Union offer online and mobile banking?

Most modern institutions like WAYCOSE 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.waycosefcu.com.

Compare to Other Credit Unions

Proponent Federal Credit Union Dept of Labor Federal Credit Union Traverse Catholic Federal Credit Union Canton School Employees Federal Credit Union HawaiiUSA Federal Credit Union Metro Federal Credit Union Kahului Federal Credit Union HMSA Employees Federal Credit Union Lancaster Red Rose Credit Union Wyoming Area Federal Credit Union United Members Federal Credit Union North Country Federal Credit Union Shelter Insurance Federal Credit Union Mountain Heritage Federal Credit Union Local 50 Plumbers & Steamfitters Federal Credit Union Eaton Family Credit Union ALBION SCHOOL EMPLOYEES Missouri Credit Union Union Square Credit Union Curtis Federal Credit Union Local 265 IBEW Federal Credit Union