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Woodmen Federal Credit Union Rates & Review October 2026

Woodmen Federal Credit Union's top rates as of October 12, 2026 are 3.50% APY on its 1 year CD, 0.10% APY on savings, 0.10% APY on checking, 6.88% on its First Mortgage-15yr., and personal loans from 9.49% APR, according to rates verified by MonitorBankRates. Other Woodmen Federal Credit Union CD rates include 2 years CD at 3.25%, 6 month CD at 3.00%, and 3 years CD at 3.00%. Other Woodmen Federal Credit Union mortgage rates include First Mortgage-20yr. at 7.75%, and First Mortgage-30yr. at 7.88%. MonitorBankRates evaluates the financial stability of Woodmen Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.51%. Rates last updated and verified on 10/12/2026.

Woodmen 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 Woodmen Federal Credit Union? Share your experience about Woodmen Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Woodmen Federal 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: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.51%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Woodmen Federal Credit Union
Woodmen Federal Credit Union
208 S 18th St Ste 100
OMAHA, NE 68102
https://www.woodmenfcu.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.

Woodmen Federal Credit Union CD Rates

Product Rate APY Term View More
1 year Share Certificate 3.50% 3.50% 1 year
Min Balance $1,000
Details Minimum Balance: $1,000 Minimum Balance
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
2 years Share Certificate 3.25% 3.25% 2 years
Min Balance $1,000
Details Minimum Balance: $1,000 Minimum Balance
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 16, 2026: 3.25% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
6 month Share Certificate 3.00% 3.00% 6 months
Min Balance $1,000
Details Minimum Balance: $1,000 Minimum Balance
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
3 years Share Certificate 3.00% 3.00% 3 years
Min Balance $1,000
Details Minimum Balance: $1,000 Minimum Balance
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 16, 2026: 3.00% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
6 month Share Certificate 1.75% 1.75% 6 months
Min Balance $500
Details Minimum Balance: $500 Minimum Balance
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
90 days Share Certificate 0.50% 0.50% 90 days
Min Balance $1,000
Details Minimum Balance: $1,000 Minimum Balance
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 16, 2026: 0.50% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Woodmen Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000 and Above
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 16, 2026: 0.10% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Savings 0.10% 0.10%
Min Balance $10,000
Details Balance: $10,000 and Above
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 16, 2026: 0.10% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
IRA Savings 0.02% 0.02%
Min Balance $0
Details Balance: Below $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 20, 2026: 0.02% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Savings 0.02% 0.02%
Min Balance $0
Details Balance: Below $10,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 20, 2026: 0.02% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Woodmen Federal Credit Union Checking Rates

Product Rate APY View More
Checking Plus 0.10% 0.10%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 16, 2026: 0.10% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Basic Checking 0.01% 0.01%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 16, 2026: 0.01% APYSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Woodmen Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
First Mortgage-15yr. - - 6.875%
Details Security: Deed/Ins
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50%
6.00%6.69%7.38%Sep 20, 2026: 6.50% APROct 1, 2026: 6.88% APRSep 20, 2026Oct 13, 2026
  • Oct 1, 20266.88%▲ from 6.50%
  • Sep 20, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
First Mortgage-20yr. - - 7.75%
Details Security: Deed/Ins
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 6.88% → 7.75% ▲ 0.88 pts · high 7.75% / low 6.88%
6.00%7.31%8.63%Sep 20, 2026: 6.88% APROct 1, 2026: 7.75% APRSep 20, 2026Oct 13, 2026
  • Oct 1, 20267.75%▲ from 6.88%
  • Sep 20, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
First Mortgage-30yr. - - 7.875%
Details Security: Deed/Ins
Last Updated 10/12/2026
Rate History
1 change since Sep 20, 2026 · 6.99% → 7.88% ▲ 0.88 pts · high 7.88% / low 6.99%
6.11%7.43%8.76%Sep 20, 2026: 6.99% APROct 1, 2026: 7.88% APRSep 20, 2026Oct 13, 2026
  • Oct 1, 20267.88%▲ from 6.99%
  • Sep 20, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Woodmen Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity LOC - - 6.75% 120 Months
Details Security: Deed/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 16, 2026: 6.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Home Equity - - 6.99% 60 Months
Details Security: Deed/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Woodmen Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - NEW - - 5.24% 36 months
Details Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Auto Loans - NEW - - 5.24% 48 months
Details Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Auto Loans - NEW - - 5.24% 60 months
Details Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Auto Loans - NEW - - 5.24% 72 months
Details Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Auto Loans - NEW - - 5.24% 84 months
Details Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Used Auto Loan (2025-2021) - - 5.49% 12-48 months
Details 2025-2021
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Used Auto Loan (2025-2021) - - 5.49% 60-72 months
Details 2025-2021
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Used Auto Loan (2025-2024) - - 5.49% 84 months
Details 2025-2024
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Used Auto Loan (2020-2016) - - 5.99% 12-60 months
Details 2020-2016
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Woodmen Federal Credit Union Personal Loan Rates

Product APR Term View More
Signature Unsecured Loan 9.49% 12 months
Details Maximum Amount: Per Guidelines
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 9.49% APR · checked 2 times
8.99%9.49%9.99%Oct 8, 2026: 9.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Signature Unsecured Loan 9.99% 24 months
Details Maximum Amount: Per Guidelines
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 8, 2026: 9.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%
Signature Unsecured Loan 10.49% 36 months
Details Maximum Amount: Per Guidelines
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 10.49% APR · checked 2 times
9.99%10.49%10.99%Oct 8, 2026: 10.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.51%

Financial Health History

Woodmen Federal Credit Union’s Texas Ratio stayed near 0.40% in Q3 2023 to 0.51% 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★ 0.5% 2.0★ 0.9% 3.0★ 1.4% 4.0★ 1.8% 5.0★ Healthy zone – entire history below the 15% limit 0.40% 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 0.51% 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$9M0.51%5.0A+
March 31, 2026$9M1.34%5.0A+
December 31, 2025$9M0.95%5.0A+
September 30, 2025$9M0.70%5.0A+
June 30, 2025$10M0.88%5.0A+
March 31, 2025$10M1.05%5.0A+
December 31, 2024$9M1.09%5.0A+
September 30, 2024$10M1.12%5.0A+
June 30, 2024$10M1.22%5.0A+
March 31, 2024$10M1.29%5.0A+
December 31, 2023$9M0.45%5.0A+
September 30, 2023$10M0.40%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 Woodmen 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 Woodmen 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 Woodmen Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Woodmen Federal Credit Union
Address 208 S 18th St Ste 100, OMAHA, NE 68102
Phone 402-271-7285
Fax 402-449-7752
President Michelle Benham
CEO Clayton Steinberg
Full-Time Employees 2
Part-Time Employees 3
Branch Locations 2
ATM Locations 0
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.51%
Return on Assets (ROA)
-0.0228%
Return on Equity (ROE)
-0.1624%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
9,214,854
Total Amount of Shares and Deposits
7,911,088
Total Shares and Deposits < 1 Year
7,911,088
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,911,088
Total Interest Expense (Sum of items 6 8)
11,751
Share Certificates
64
Number of Accounts for Share Drafts
330
IRA KEOGH Accounts
7
Number of Accounts for Regular Shares
1,059
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)
762,363
Total Liabilities
7,923,859
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Woodmen Federal 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/woodmen-federal-credit-union-rates-review-16">
  <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

There are no reviews for Woodmen Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Woodmen Federal Credit Union

How many branches does Woodmen Federal Credit Union operate?

Woodmen 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 Woodmen Federal Credit Union?

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

Does Woodmen Federal Credit Union offer online and mobile banking?

Most modern institutions like Woodmen 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.woodmenfcu.org.

Current Woodmen Federal Credit Union Rates

  • 12-Month CD3.50%
  • 24-Month CD3.25%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.