Wheat State Credit Union Rates and Review January 2026
Compare Wheat State Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Wheat State Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityWheat State Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Wheat State Credit Union? Share your experience about Wheat State Credit Union by leaving a review below, or read customer reviews before you decide to use Wheat State Credit Union. Overall, Wheat State Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Wheat State Credit Union Wheat State CU Main 1400 S Oliver Ave Wichita, KS 67218 3226  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonMember Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
Savings Secured Visa®
18.000%
Visa Student Rewards Card
17.990%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonReadi Cash Line-of-Credit Revolving
13.900%
$500 - $15,000
Personal Loans
10.000%
$0
1 - 36
Personal Signature Loans
14.000%
$0
60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Wheat State Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Wheat State Credit Union
Website: https://www.wheatstatecu.com
Full Time Employees: 7Part Time Employees: 1 President: Leland Bittle CEO: Doug Cheatum Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
1400 S Oliver Ave
Wichita, KS 67218 3226 Phone Number: 316-687-4101 Fax Number: 316-687-4170 FinancialsTotal Assets:
22,539,157
Total Amount of Shares and Deposits:
20,068,845
Total Shares and Deposits < 1 Year:
19,022,374
Total Shares and Deposits 1 3 Years:
938,253
Total Shares and Deposits > 3 Years:
108,219
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
602,363
Total Uninsured Shares and Deposits > $250K (F+J):
603,288
Total Insured Shares and Deposits > $250K (item 17 less item K):
19,465,557
Total Interest Expense (Sum of items 6 8):
299,422
Share Certificates:
256
Number of Accounts for Share Drafts:
1,550
IRA KEOGH Accounts:
64
Number of Accounts for Regular Shares:
3,814
Non Member Deposits:
1
Money Market Shares:
24
Net Income (unless the amount is already included in Undivided Earnings):
-145,053
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
370,679
Total Liabilities:
20,552,965
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Wheat State Credit UnionIs a member application needed to join Wheat State Credit Union?Yes, to access services at Wheat State Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Wheat State Credit Union provides a range of mortgage and home equity products. Is Wheat State Credit Union a safe place to deposit money?Yes, Wheat State Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Wheat State Credit Union offer online and mobile banking?Most modern institutions like Wheat State Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.50%, 6-month CD rates at 2.52% and 3-month CD rates at 0.10%. Savings rates are at 0.05% and money market rates are at 1.11%. Mortgage rates on 30-year fixed loans are around 6.02%. Credit Card rates are at 15.04%. Personal Loan rates are at 14.00%. All these rates, and more, can be found in our database of rates which you can compare to 
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