Willow Island Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

wifcu.com

304-665-1127

7910 S Pleasants HWY
Saint Marys, WV 26170-0453

Willow Island Federal Credit Union is headquartered in Saint Marys and is the 52^nd largest credit union in the state of West Virginia. It is also the 3,523^rd largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 4 employees and 1,738 members at 2 locations. Willow Island Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Pleasants County, West Virginia.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Willow Island Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	8474
Year Chartered	1953
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.6%
Return on Equity - YTD	-7.91%
Annual Interest Income	$185K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$12.2MM$11.1MM
Loans	Q1 2025vs Q1 2024	$9.6MM$9.5MM
Deposits	Q1 2025vs Q1 2024	$11.3MM$10.1MM
Equity Capital	Q1 2025vs Q1 2024	$922K$847K
Loan Loss Allowance	Q1 2025vs Q1 2024	$35K$33K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$60K$82K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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CD

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Willow Island Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$0	-	Vacation Club Account
0.15%	$0	-	Christmas Club Account
0.10%	$0	-	Regular Share Account

Willow Island Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.45%	$1k	-	48 Month Share Certificate
2.45%	$500	-	48 Month Minor Share Certificate
2.35%	$1k	-	36 Month Share Certificate
2.35%	$500	-	36 Month Minor Share Certificate
2.30%	$1k	-	24 Month Share Certificate
2.30%	$500	-	24 Month Minor Share Certificate
2.25%	$1k	-	12 Month Share Certificate
2.25%	$500	-	12 Month Minor Share Certificate

Locations

Willow Island Federal Credit Union Locations
Branch Office	7910 S Pleasants HWY	Saint Marys, WV 26170-8028
Branch Office	302 2ND ST	SAINT MARYS, WV 26170

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