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 Westerly Community Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Westerly Community Credit Union's 14 Month CD/IRA Special (Limited Time Offer) rates are at 3.85%, 8 Month CD/IRA Special (Limited Time Offer) rates are at 3.45%, 11 Month CD/IRA Special (Limited Time Offer) rates are at 3.35%, 18 Month CDs of Deposit rates are at 3.35%, 18 Month IRA CDs rates are at 3.35%. Westerly Community Credit Union's savings rates are at 0.05%. Westerly Community Credit Union's money market rates are at 1.00%. Westerly Community Credit Union's Refi Home Loan rates are at 5.62%, Refi Home Loan rates are at 5.88%, Refi Home Loan rates are at 6.12%, Refi Home Loan rates are at 6.38%, 15 Year Fixed Morgage rates are at 6.62%. Westerly Community Credit Union's Personal Loan Rates are as low as 8.25%. MonitorBankRates evaluates the financial stability of Westerly Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.29%. Rates last updated and verified on 09/22/2026. Westerly Community 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 Westerly Community Credit Union? Share your experience about Westerly Community Credit Union by leaving a review below, or read customer reviews before you decide to use Westerly Community Credit Union. Westerly Community Credit Union
Granite Street Office 122 Granite St
https://www.westerlyccu.com Westerly, RI 02891 
Westerly Community Credit Union CD Rates
Westerly Community Credit Union Savings Rates
Westerly Community Credit Union Money Market Rates
Westerly Community Credit Union Checking Rates
Westerly Community Credit Union Mortgage Rates
Westerly Community Credit Union Auto Loan Rates
Westerly Community Credit Union RV, Boat and Powersport Loan Rates
Westerly Community Credit Union Personal Loan Rates
Westerly Community Credit Union Other Rates
Financial Health HistoryWesterly Community Credit Union’s Texas Ratio fell from 3.10% in Q2 2023 to 2.29% in Q1 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. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Westerly Community 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 Westerly Community 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 Westerly Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Westerly Community Credit Union
Website
https://www.westerlyccu.com
Address
122 Granite St,
Westerly, RI 02891
Phone
401-596-7000
Fax
President
Pete Stefanski
CEO
Andrew Rogers
Full-Time Employees
78
Part-Time Employees
0
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.29%
Return on Assets (ROA)
0.1550%
Return on Equity (ROE)
1.6731%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
511,417,943
Total Amount of Shares and Deposits
447,278,381
Total Shares and Deposits < 1 Year
428,228,682
Total Shares and Deposits 1 3 Years
18,409,978
Total Shares and Deposits > 3 Years
639,723
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
31,300,271
Total Uninsured Shares and Deposits > $250K (F+J)
31,300,271
Total Insured Shares and Deposits > $250K (item 17 less item K)
415,978,110
Total Interest Expense (Sum of items 6 8)
2,033,919
Share Certificates
2,322
Number of Accounts for Share Drafts
16,229
IRA KEOGH Accounts
533
Number of Accounts for Regular Shares
16,979
All other shares
854
Non Member Deposits
12
Money Market Shares
487
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)
9,462,148
Total Liabilities
466,762,488
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Westerly Community Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Westerly Community Credit Union
Frequently Asked Questions About Westerly Community Credit UnionHow many branches does Westerly Community Credit Union operate?Westerly Community 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 Westerly Community Credit Union?Yes, to access services at Westerly Community 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, Westerly Community 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, Westerly Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Westerly Community Credit Union offer online and mobile banking?Most modern institutions like Westerly Community 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.westerlyccu.com. Current Westerly Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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