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WEPCO Federal Credit Union

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WEPCO Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join WEPCO Federal Credit Union?

Yes, to access services at WEPCO 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WEPCO Federal Credit Union 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: September 23, 2026

WEPCO Federal Credit Union's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of WEPCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.33%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.33%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

WEPCO Federal Credit Union
Bloomington Branch

204 North Branch Avenue
Bloomington, MD 21523

https://www.wepcofcu.com

WEPCO Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New or Used Vehicle Loans	-	-	2.49%	0-48 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	2.99%	0-48 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
First Time Car Buyers Loan	-	-	3.10%	0-48 Months
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	3.24%	49-60 Months
Details Minimum Financing of $10,000 for 60 Months; As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	3.49%	61-72 Months
Details Minimum Financing of $15,000 for 72 Months; As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	3.74%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
First Time Car Buyers Loan	-	-	3.85%	49-60 Months
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
First Time Car Buyers Loan	-	-	4.10%	0-48 Months
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	4.24%	73-84 Months
Details Minimum Financing of $25,000 for 84 Months; As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	4.24%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
First Time Car Buyers Loan	-	-	4.35%	0-48 Months
Details As low as; Model Year: 2017 - 2019 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
First Time Car Buyers Loan	-	-	4.55%	49-60 Months
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
New or Used Vehicle Loans	-	-	4.74%	73-84 Months
Details As Low As; Minimum Financing of $25,000 for 84 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
First Time Car Buyers Loan	-	-	4.85%	49-60 Months
Details As low as; Model Year: 2017 - 2019 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Historic Autos (20 Years and Older)	-	-	8.74%	20 Years
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Historic Autos (20 Years and Older)	-	-	9.24%	20 Years
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Historic Autos (20 Years and Older)	-	-	9.74%	20 Years
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Historic Autos (20 Years and Older)	-	-	10.24%	20 Years
Details As Low As; Minimum Financing of $25,000 for 84 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

WEPCO Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
4-Wheeler & Motorcycle Loans	-	5.49%	0-48 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
ATVs-4-Wheelers-Side-by-Sides Loan	-	5.49%
Details As Low As; Loan product Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
4-Wheeler & Motorcycle Loans	-	5.74%	49-60 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
4-Wheeler & Motorcycle Loans	-	5.99%	61-72 Months
Details Minimum Financing of $15,000 for 72 Months; As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
4-Wheeler & Motorcycle Loans	-	6.24%	73-84 Months
Details Minimum Financing of $20,000 for 84 Months; As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Recreational Vehicle & Boat Loans	-	6.49%
Details As low as; 90% Financing; Call for Term - Depending on type of vehicle purchased. 10% Down Payment Required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

WEPCO Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	10.00%	0-12 Month
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Signature Loan	10.25%	13-24 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Signature Loan	10.50%	25-36 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Signature Loan	11.00%	37-48 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Signature Loan	11.75%	49-60 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Signature Loan	13.00%	61-72 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

WEPCO Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Christmas & Vacation Loans	-	-	9.00%	Up to 12 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
One-Payment Loans	-	-	9.00%	90 Days
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2017 or Older Loan	-	-	7.24%	49-60 months
Details As low as; Minimum Financing of $10,000 for 60 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2017 or Older Loan	-	-	6.99%	0-48 months
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2018-2020 Loan	-	-	5.99%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2018-2020 Loan	-	-	5.24%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2018-2020 Loan	-	-	4.74%	0-48 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2021-2023 Loan	-	-	4.99%	73-84 Months
Details As Low As; Minimum Financing of $25,000 for 84 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2021-2023 Loan	-	-	4.49%	61-72 Months
Details As Low As; Minimum Financing of $15,000 for 72 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2021-2023 Loan	-	-	4.24%	49-60 Months
Details As Low As; Minimum Financing of $10,000 for 60 Months Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
Used Model Years 2021-2023 Loan	-	-	3.74%	0-48 Months
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%
WEPCO Federal Credit Union Line of Credit	-	-	13.00%	Open-end
Details As low as Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.33%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

WEPCO Federal Credit Union’s Texas Ratio fell from 6.84% in Q2 2023 to 3.33% in Q1 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 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$397M	3.33%	5.0	A+
December 31, 2025	$380M	4.61%	5.0	A+
September 30, 2025	$377M	3.46%	5.0	A+
June 30, 2025	$383M	4.80%	5.0	A+
March 31, 2025	$384M	3.89%	5.0	A+
December 31, 2024	$374M	8.31%	5.0	A
September 30, 2024	$372M	7.58%	5.0	A
June 30, 2024	$359M	7.91%	5.0	A
March 31, 2024	$353M	8.10%	5.0	A
December 31, 2023	$338M	8.68%	5.0	A
September 30, 2023	$338M	7.37%	5.0	A
June 30, 2023	$348M	6.84%	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 WEPCO 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 WEPCO 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 WEPCO Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WEPCO Federal Credit Union

Website https://www.wepcofcu.com

Address 204 North Branch Avenue, Bloomington, MD 21523

Phone 301-359-3081

Fax 301-359-3683

President Mark Alexander

CEO Becky McKenzie

Full-Time Employees 69

Part-Time Employees 0

Branch Locations 8

ATM Locations 7

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.33%

Return on Assets (ROA)

0.4216%

Return on Equity (ROE)

2.7868%

Non-Performing Loans Ratio (NPL)

0.84%

Total Assets

397,290,591

Total Amount of Shares and Deposits

336,096,460

Total Shares and Deposits < 1 Year

302,933,214

Total Shares and Deposits 1 3 Years

24,472,159

Total Shares and Deposits > 3 Years

8,691,087

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

18,661,972

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

18,661,972

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

317,434,488

Total Interest Expense (Sum of items 6 8)

1,039,934

Share Certificates

1,766

Number of Accounts for Share Drafts

18,851

IRA KEOGH Accounts

1,195

Number of Accounts for Regular Shares

45,608

Money Market Shares

1,312

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

1,674,963

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)

114,445,090

Total Liabilities

337,085,113

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

WEPCO Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About WEPCO Federal Credit Union

How many branches does WEPCO Federal Credit Union operate?

WEPCO 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 WEPCO Federal Credit Union?

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

Does WEPCO Federal Credit Union offer online and mobile banking?

Most modern institutions like WEPCO 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.wepcofcu.com.