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WESTconsin Credit Union Rates & Review October 2026

WESTconsin Credit Union's top rates as of October 9, 2026 are 4.49% APY on its CDsIRAs - 18 Month Variable Rate IRA CD, 0.40% APY on savings, 1.92% APY on money market accounts, 2.02% APY on checking, 6.51% on its 5/6 Month ARM mortgage, personal loans from 11.50% APR, and credit cards from 9.00% APR, according to rates verified by MonitorBankRates. Other WESTconsin Credit Union CD rates include CDsIRAs - 12 Month at 4.01%, CDsIRAs - 12 Month at 3.80%, and CDsIRAs - 24 Month at 3.76%. Other WESTconsin Credit Union mortgage rates include 7/6 Month ARM at 6.60%, Fixed Rate Mortgages - 10 year Fixed at 7.00%, and 15 Year Fixed-Rate Mortgage at 7.19%. MonitorBankRates evaluates the financial stability of WESTconsin Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.22%. Rates last updated and verified on 10/09/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
3.22%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
WESTconsin Credit Union
Menomonie Administration
3227 Schneider Ave SE
Menomonie, WI 54751
https://www.westconsincu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

WESTconsin Credit Union CD Rates

Product Rate APY Term View More
Share CertificatesIRAs - 18 Month Variable Rate IRA 4.39% 4.49% 18 Month
Min Balance $50
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.49% APY
3.99%4.49%4.99%Oct 9, 2026: 4.49% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 12 Month 3.94% 4.01% 12 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 9, 2026: 4.01% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 12 Month 3.74% 3.80% 12 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 24 Month 3.70% 3.76% 24 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 12 Month 3.59% 3.65% 12 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 24 Month 3.50% 3.56% 24 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 18 Month 3.40% 3.45% 18 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 9, 2026: 3.45% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 24 Month 3.35% 3.40% 24 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 9, 2026: 3.40% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 18 Month 3.20% 3.25% 18 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 18 Month 3.05% 3.09% 18 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 9, 2026: 3.09% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 60 Month 3.00% 3.04% 60 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 9, 2026: 3.04% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 18 Month Fixed Rate IRA 2.90% 2.94% 18 Month
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 48 Month 2.90% 2.94% 48 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 9, 2026: 2.94% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 12 Month Fixed Rate Health Savings 2.85% 2.89% 12 Month
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.89% APY
2.39%2.89%3.39%Oct 9, 2026: 2.89% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 36 Month 2.80% 2.84% 36 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 9, 2026: 2.84% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 60 Month 2.80% 2.84% 60 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 9, 2026: 2.84% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 18 Month Fixed Rate IRA 2.70% 2.73% 18 Month
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.73% APY
2.23%2.73%3.23%Oct 9, 2026: 2.73% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 48 Month 2.70% 2.73% 48 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.73% APY
2.23%2.73%3.23%Oct 9, 2026: 2.73% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 12 Month Fixed Rate Health Savings 2.65% 2.68% 12 Month
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 9, 2026: 2.68% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 60 Month 2.65% 2.68% 60 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 9, 2026: 2.68% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 36 Month 2.60% 2.63% 36 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 9, 2026: 2.63% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 18 Month Fixed Rate IRA 2.55% 2.58% 18 Month
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.58% APY
2.08%2.58%3.08%Oct 9, 2026: 2.58% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 48 Month 2.55% 2.58% 48 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.58% APY
2.08%2.58%3.08%Oct 9, 2026: 2.58% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 12 Month Fixed Rate Health Savings 2.50% 2.53% 12 Month
Min Balance $500
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 9, 2026: 2.53% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 36 Month 2.45% 2.48% 36 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.48% APY
1.98%2.48%2.98%Oct 9, 2026: 2.48% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 36 Month Step Up 2.35% 2.38% 36 Month
Min Balance $5,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.38% APY
1.88%2.38%2.88%Oct 9, 2026: 2.38% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 6 Month 2.35% 2.38% 6 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.38% APY
1.88%2.38%2.88%Oct 9, 2026: 2.38% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 36 Month Step Up 2.15% 2.17% 36 Month
Min Balance $5,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 9, 2026: 2.17% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 6 Month 2.15% 2.17% 6 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 9, 2026: 2.17% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 36 Month Step Up 2.00% 2.02% 36 Month
Min Balance $5,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 9, 2026: 2.02% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 6 Month 2.00% 2.02% 6 Month
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 9, 2026: 2.02% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 3 Month 0.75% 0.75% 3 Month
Min Balance $5,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 9, 2026: 0.75% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 3 Month 0.55% 0.55% 3 Month
Min Balance $5,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.55% APY
0.05%0.55%1.05%Oct 9, 2026: 0.55% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Share CertificatesIRAs - 3 Month 0.40% 0.40% 3 Month
Min Balance $5,000
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 9, 2026: 0.40% APYOct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.40% 0.40%
Details Balance: No minimum balance to open or earn dividends
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Membership Savings 0.40% 0.40%
Min Deposit $5
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Savings 0.40% 0.40%
Details No minimum balance to open or earn dividends
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Money Market Rates

Product Rate APY View More
Achieve Money Market 1.90% 1.92%
Min Balance $25,000
Details Balance: $25,000 and more
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 5 times
1.42%1.92%2.42%Sep 14, 2026: 1.92% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market 1.90% 1.92%
Min Balance $100,000
Details Balance: $100,000 and more
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.92% APY · checked 5 times
1.42%1.92%2.42%Sep 14, 2026: 1.92% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market 1.75% 1.76%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market 1.50% 1.51%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Achieve Money Market 1.25% 1.26%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market 1.25% 1.26%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Money Market 0.40% 0.40%
Min Balance $0
Details Balance: $0 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Checking Rates

Product Rate APY View More
Legacy Addsup Checking 2.00% 2.02%
Min Balance $0
Details Balance: Balance up to $15,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
HSA Checking 1.25% 1.26%
Min Balance $10,000
Details Balance: $10,000 and more
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
HSA Checking 0.40% 0.40%
Min Balance $0
Details Balance: $0 - $9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Legacy Addsup Checking 0.40% 0.40%
Min Balance $15,000
Details Balance: Balance more than $15,000
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Legacy Addsup Checking 0.10% 0.10%
Details If qualifications are not met
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Preferred Checking 0.10% 0.10%
Details No minimum balance to open or earn dividends
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Business Checking Rates

Product Rate APY View More
Business Checking 0.10% 0.10%
Min Balance $500
Details Balance: Earn dividends each day the balance is $500 and above
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Mortgage Rates

Product Rate Points APR Term View More
Fixed Rate Mortgages - 10 year Fixed 7.00% - 7.09% 10 year
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 6.84% → 7.09% ▲ 0.25 pts · high 7.22% / low 6.84%
6.34%7.03%7.72%Sep 18, 2026: 6.84% APROct 1, 2026: 7.09% APROct 2, 2026: 7.22% APROct 9, 2026: 7.09% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20267.09%▼ from 7.22%
  • Oct 2, 20267.22%▲ from 7.09%
  • Oct 1, 20267.09%▲ from 6.84%
  • Sep 18, 20266.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
15 Year Fixed-Rate Mortgage - - 7.19% 15 years
Details APR as low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.19% / low 6.69%
6.19%6.94%7.69%Sep 14, 2026: 6.69% APROct 9, 2026: 7.19% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.19%▲ from 6.69%
  • Sep 14, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Fixed Rate Mortgages - 15 year Fixed 7.125% - 7.19% 15 year
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 18, 2026 · 6.94% → 7.19% ▲ 0.25 pts · high 7.32% / low 6.94%
6.44%7.13%7.82%Sep 18, 2026: 6.94% APROct 1, 2026: 7.19% APROct 2, 2026: 7.32% APROct 9, 2026: 7.19% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20267.19%▼ from 7.32%
  • Oct 2, 20267.32%▲ from 7.19%
  • Oct 1, 20267.19%▲ from 6.94%
  • Sep 18, 20266.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin 5/6 mo. ARM 7.25% - 7.217%
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.00% → 7.22% ▲ 0.22 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 14, 2026: 7.00% APROct 1, 2026: 7.25% APROct 9, 2026: 7.22% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.22%▼ from 7.25%
  • Oct 1, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
WESTconsin 7/6 mo. ARM 7.50% - 7.367%
No additional details.
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.25% → 7.37% ▲ 0.12 pts · high 7.50% / low 7.25%
6.75%7.38%8.00%Sep 14, 2026: 7.25% APROct 1, 2026: 7.50% APROct 9, 2026: 7.37% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.37%▼ from 7.50%
  • Oct 1, 20267.50%▲ from 7.25%
  • Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Fixed Rate Mortgages - 20 year Fixed 7.50% - 7.703% 20 year
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.32% → 7.70% ▲ 0.38 pts · high 7.70% / low 7.32%
6.82%7.51%8.20%Sep 18, 2026: 7.32% APROct 1, 2026: 7.70% APRSep 18, 2026Oct 13, 2026
  • Oct 1, 20267.70%▲ from 7.32%
  • Sep 18, 20267.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
30 Year Fixed-Rate Mortgage - - 7.784% 30 years
Details APR as low as
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.28% → 7.78% ▲ 0.50 pts · high 7.78% / low 7.28%
6.77%7.53%8.29%Sep 14, 2026: 7.28% APROct 9, 2026: 7.78% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.78%▲ from 7.28%
  • Sep 14, 20267.28%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Fixed Rate Mortgages - 30 year Fixed 7.625% - 7.784% 30 year
No additional details.
Last Updated 10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.41% → 7.78% ▲ 0.38 pts · high 7.78% / low 7.41%
6.91%7.59%8.28%Sep 18, 2026: 7.41% APROct 1, 2026: 7.78% APRSep 18, 2026Oct 13, 2026
  • Oct 1, 20267.78%▲ from 7.41%
  • Sep 18, 20267.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Vacant Land 3/6 mo. ARM 7.375% - 8.044%
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 7.79% → 8.04% ▲ 0.25 pts · high 8.04% / low 7.79%
7.29%7.92%8.54%Sep 14, 2026: 7.79% APRSep 18, 2026: 7.79% APROct 1, 2026: 7.95% APROct 9, 2026: 8.04% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.04%▲ from 7.95%
  • Oct 1, 20267.95%▲ from 7.79%
  • Sep 18, 20267.79%▼ from 7.79%
  • Sep 14, 20267.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Vacant Land 5/6 mo. ARM 7.75% - 8.093%
No additional details.
Last Updated 10/09/2026
Rate History
3 changes since Sep 14, 2026 · 7.84% → 8.09% ▲ 0.25 pts · high 8.09% / low 7.84%
7.34%7.97%8.59%Sep 14, 2026: 7.84% APRSep 18, 2026: 7.84% APROct 1, 2026: 8.02% APROct 9, 2026: 8.09% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.09%▲ from 8.02%
  • Oct 1, 20268.02%▲ from 7.84%
  • Sep 18, 20267.84%▼ from 7.84%
  • Sep 14, 20267.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
3-Month Adjustable HELOC - - 7.00%
Details HCLTV: Up to 80%
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 14, 2026: 6.75% APRSep 22, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20267.00%▲ from 6.75%
  • Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
5-Year Adjustable HELOC - - 7.25%
Details HCLTV: Up to 80%
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 14, 2026: 7.00% APRSep 22, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20267.25%▲ from 7.00%
  • Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
HELOC Closed-end 2nd 7/6 mo. ARM 7.75% - 7.935%
Details CLTV: Up to 80%
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.68% → 7.94% ▲ 0.25 pts · high 7.94% / low 7.68%
7.18%7.81%8.43%Sep 14, 2026: 7.68% APROct 1, 2026: 7.88% APROct 9, 2026: 7.94% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.94%▲ from 7.88%
  • Oct 1, 20267.88%▲ from 7.68%
  • Sep 14, 20267.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
3-Month Adjustable HELOC - - 8.00%
Details HCLTV: Over 80%
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 14, 2026: 7.75% APRSep 22, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20268.00%▲ from 7.75%
  • Sep 14, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
5-Year Adjustable HELOC - - 8.25%
Details HCLTV: Over 80%
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00%
7.50%8.13%8.75%Sep 14, 2026: 8.00% APRSep 22, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20268.25%▲ from 8.00%
  • Sep 14, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
HELOC Closed-end 2nd 7/6 mo. ARM 8.25% - 8.66%
Details CLTV: 80% - 90%
Last Updated 10/09/2026
Rate History
2 changes since Sep 14, 2026 · 8.41% → 8.66% ▲ 0.25 pts · high 8.66% / low 8.41%
7.91%8.53%9.16%Sep 14, 2026: 8.41% APROct 1, 2026: 8.60% APROct 9, 2026: 8.66% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.66%▲ from 8.60%
  • Oct 1, 20268.60%▲ from 8.41%
  • Sep 14, 20268.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.49% Up to 24 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Auto Loan - - 4.99% Up to 48 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Auto Loan - - 5.49% Up to 72 Months
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Credit Card Rates

Product Rate APR View More
Platinum Visa Credit Card - 9.00%
Details 3% of statement balance or $10, whichever is greater
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
8.50%9.00%9.50%Oct 9, 2026: 9.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Business Platinum Visa Credit Card - 9.90%
Details Monthly Payment: 3% of statement balance or $10, whichever is greater
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.90% APR
9.40%9.90%10.40%Oct 9, 2026: 9.90% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans 11.50% Up to 48 Months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 5 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Personal Loans 13.00% Up to 60 Months
Details As Low As*
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 5 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

WESTconsin Credit Union Other Rates

Product Rate Points APY/APR Term View More
5/6 Month ARM - - 6.514%
Details As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.51% APR
6.01%6.51%7.01%Oct 9, 2026: 6.51% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
7/6 Month ARM - - 6.599%
Details As low as
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.60% APR
6.10%6.60%7.10%Oct 9, 2026: 6.60% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Home Construction Loans - - 6.645%
Details As low as
Last Updated 10/09/2026
Rate History
4 changes since Sep 14, 2026 · 6.39% → 6.65% ▲ 0.25 pts · high 6.65% / low 6.39%
5.89%6.52%7.15%Sep 14, 2026: 6.39% APRSep 18, 2026: 6.39% APRSep 22, 2026: 6.39% APROct 1, 2026: 6.58% APROct 9, 2026: 6.65% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.65%▲ from 6.58%
  • Oct 1, 20266.58%▲ from 6.39%
  • Sep 22, 20266.39%▲ from 6.39%
  • Sep 18, 20266.39%▲ from 6.39%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%
Funeral Trust 0.40% - 0.40%
Details No minimum balance to open or earn dividends
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.22%

Financial Health History

WESTconsin Credit Union’s Texas Ratio rose from 2.56% in Q3 2023 to 3.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.6% 2.0★ 3.2% 3.0★ 4.8% 4.0★ 6.5% 5.0★ Healthy zone – entire history below the 15% limit 2.56% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.22% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.2B3.22%5.0A+
March 31, 2026$2.2B3.01%5.0A+
December 31, 2025$2.2B3.75%5.0A+
September 30, 2025$2.1B4.27%5.0A+
June 30, 2025$2.1B4.30%5.0A+
March 31, 2025$2.0B4.24%5.0A+
December 31, 2024$2.0B4.79%5.0A+
September 30, 2024$1.9B4.36%5.0A+
June 30, 2024$1.9B4.03%5.0A+
March 31, 2024$1.9B2.98%5.0A+
December 31, 2023$1.9B2.90%5.0A+
September 30, 2023$1.9B2.56%5.0A+
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 WESTconsin 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 WESTconsin 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 WESTconsin Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WESTconsin Credit Union
Address 3227 Schneider Ave SE, Menomonie, WI 54751
Phone 800-924-0022
Fax
President Gerald Wolf
CEO James Wookey
Full-Time Employees 415
Part-Time Employees 27
Branch Locations 19
ATM Locations 15
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
3.22%
Return on Assets (ROA)
0.5521%
Return on Equity (ROE)
4.2632%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
2,245,897,626
Total Amount of Shares and Deposits
1,940,917,341
Total Shares and Deposits < 1 Year
1,862,127,820
Total Shares and Deposits 1 3 Years
69,735,764
Total Shares and Deposits > 3 Years
9,053,757
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
114,512,330
Total Uninsured Shares and Deposits > $250K (F+J)
114,512,330
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,826,405,011
Total Interest Expense (Sum of items 6 8)
14,355,375
Share Certificates
12,812
Number of Accounts for Share Drafts
83,025
IRA KEOGH Accounts
2,782
Number of Accounts for Regular Shares
175,603
All other shares
3,871
Money Market Shares
10,535
Net Income (unless the amount is already included in Undivided Earnings)
12,399,937
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)
198,261,234
Total Liabilities
1,980,318,367
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

WESTconsin Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/westconsin-credit-union-rates-review-66742">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
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Frequently Asked Questions About WESTconsin Credit Union

How many branches does WESTconsin Credit Union operate?

WESTconsin 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 WESTconsin Credit Union?

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

Does WESTconsin Credit Union offer online and mobile banking?

Most modern institutions like WESTconsin 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.westconsincu.org.

Current WESTconsin Credit Union Rates

  • 12-Month CD2.53%
  • 18-Month CD2.58%
  • 24-Month CD3.40%
  • 60-Month CD2.68%
  • Savings0.40%
  • MMA1.92%
Retrieved from our database of financial products. Rates subject to change.