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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.
 WISE CU Rates & Review April 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.
Read Full Bio →
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 17, 2026
WISE CU's Personal Loan Rates are at 6.90%. MonitorBankRates evaluates the financial stability of WISE CU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.71%. Rates were last updated on 04/17/2026. WISE CU 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 WISE CU? Share your experience about WISE CU by leaving a review below, or read customer reviews before you decide to use WISE CU. 
WISE CU Student Loan Rates
WISE CU Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for WISE CU 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 WISE CU 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 WISE CU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
WISE CU
Website
https://wisecu.com
Address
1416 MAINE ST,
QUINCY, IL 62301
Phone
217-224-2091
Fax
217-224-2092
President
Gina Whelan
CEO
Thomas Reynolds
Full-Time Employees
3
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.71%
Return on Assets (ROA)
0.3145%
Return on Equity (ROE)
1.8735%
Non-Performing Loans Ratio (NPL)
0.16%
Total Assets
22,560,148
Total Amount of Shares and Deposits
18,548,191
Total Shares and Deposits < 1 Year
18,548,191
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,548,191
Total Interest Expense (Sum of items 6 8)
378,782
Number of Accounts for Regular Shares
1,752
Net Income (unless the amount is already included in Undivided Earnings)
70,943
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,467,366
Total Liabilities
18,779,311
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About WISE CUIs WISE CU a safe place to deposit money?Yes, WISE CU is considered a safe financial institution. With a Texas Ratio of 0.70954537652014%, the institution's financial health is rated as excellent. 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 WISE CU operate?WISE CU 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 WISE CU?Yes, to access services at WISE CU, 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, WISE CU 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, WISE CU provides members with tools to manage their accounts and build a solid financial history. Does WISE CU offer online and mobile banking?Most modern institutions like WISE CU 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://wisecu.com. Compare to Other Credit Unions
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