WEPCO Federal Credit Union

Overview / Commentary
204 North Branch Avenue
Bloomington, MD 21523

WEPCO Federal Credit Union is headquartered in Bloomington and is the 24th largest credit union in the state of Maryland. It is also the 936th largest credit union in the nation. It was established in 1950 and as of September of 2023, it had grown to 65 employees and 39,992 members at 6 locations. WEPCO Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in WEPCO Federal Credit Union is open to those who live, work, worship, or attend school in Allegany or Garrett Counties in Maryland, or Mineral, Preston, or Tucker Counties in West Virginia. Current and retired employees of Verso Corporation (Luke, Maryland) also qualify for membership.
See current membership details

Reviews (2)

Positive experience at WEPCO Credit Union

I have had a positive experience banking with WEPCO Federal Credit Union in Oakland, Maryland. The tellers are friendly and do their best to create a positive customer experience. They go above and beyond what is necessary to do this. I have had several questions regarding transactions that are less common and they have managed to help me even in those circumstances. The credit union is efficient and the tellers are helpful. The online banking experience is satisfactory, but this is an area where I think that WEPCO might improve. I do prefer the online interface of my PNC account. WEPCO offers ample banking supplies such as checkbook covers and pens. The environment at the credit union is calm and fairly spacious in my opinion.

Good to Poor

When I was young I needed to open my first checking account. I chose Wepco because they were the closest credit union to my house. I had never heard anything good or bad about them up until that point. My experience started out normal enough. Everything operated as it should. It wasn't until I had my first problem that the cracks started to show. One day I brought in a check to deposit. It was payment for a small I had done. Days later I received a notification that the check had bounced. When I went in I asked to speak to someone about the issue and that is when I got a taste for their horrible customer service. The woman behind the counter was rude and short with me. She acted as if wasn't her job to deal with people like me and my problem. I eventually asked to speak to the manager. She acted like it was my fault that the check did not clear and we got into an argument. It was pretty uncomfortable after that. I wouldn't recommend Wepco. They don't have the people skills to be a great institution.


Health Grade Components

NCUA #6685
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD1.74%
Return on Equity - YTD13.49%
Annual Interest Income$12.6MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$338.3MM$329.9MM
LoansQ3 2023vs Q3 2022$264MM$184.5MM
DepositsQ3 2023vs Q3 2022$292.6MM$292.7MM
Equity CapitalQ3 2023vs Q3 2022$44.4MM$36.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$2.6MM$869K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$3.6MM$2.4MM
Real Estate OwnedQ3 2023vs Q3 2022$57K$16K

Rates for WEPCO Federal Credit Union are currently being reviewed.


WEPCO Federal Credit Union Locations
Branch Office204 North Branch AvenueBloomington, MD 21523
Branch Office12826 Garrett HwyOakland, MD 21550
Branch Office459 New Creek HwyKeyser, WV 26726-9537
Branch Office12511 Winchester Rd SWLaVale, MD 21502
Branch Office1101 E Oldtown RdCumberland, MD 21502-4039
Branch Office215 Paca StCumberland, MD 21502-2814

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