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Wings Financial Credit Union


Overview / Commentary
www.wingsfinancial.com
952-997-8000
14985 Glazier Ave
Apple Valley, MN 55124

Wings Financial Credit Union is an airline industry-focused credit union that is eligible to consumers who are broadly involved with the airline industry or who live in the Seattle or Minneapolis areas. The credit union focuses largely on personal depository banking products and services, but does offer a business checking account.

Wings Financial’s checking account offers cash back rewards for debit card usage, free checks, no monthly service charges, and an allowance of free ATM withdrawals from ATMs not owned by Wings. The credit union’s savings account offer is a basic, dividend bearing account that provides 24/7 access to funds. Money market accounts have a minimum initial deposit requirement and offer higher dividends for higher average balances. Share certificates and IRA certificates are available in term lengths from 3 months to 5 years and occasionally Wings Financial offers special rates on them. DepositAccounts.com has featured the credit union’s CDs repeatedly in the past. Various consumer loans are offered for homes, cars, and boats, and the credit union partners with a real estate company to offer home-buying guidance and services. Wings Financial Advisors offer brokerage services and financial solutions to members looking to plan for retirement or obtain various insurance and investment products.

Wings Financial Credit Union online banking provides a system through which members can track and manage their account activity securely and easily. It functions as a way to perform tasks like eStatement viewing, financial management software integration, and fund transfers. The credit union has also released mobile banking apps that are optimized for select smartphones and tablet devices.

Wings Financial CU was founded chartered in 1938 as the Northwest Airlines Employees Credit Union by a group of Northwest Airlines employees. In 2010, the credit union merged with City County FCU of Minneapolis and doubled its number of branches in the Minneapolis-St. Paul. It is currently headquartered in Apple Valley, Minnesota, and serves its members through numerous branches located around the twin city area.

Field of Membership Restrictions

Membership in Wings Financial is open to anyone through joining Wings Financial Foundation ($5 donation). Membership is also open to employees and retirees within the aviation industry within the United States and to those who live or work in the 13 counties of the Minneapolis/St. Paul Metro Area in Minnesota and those who live, worship or work in the Puget Sound Area of Seattle/Tacoma in Washington. Immediate family of current Wings members may also join.
See current membership details

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Reviews (9)

Wings Financial Excellent Bank

Posted by: |

I also saw the low score on this site and was surprised. I have been a member for 30 years. I was so glad to leave my other bank. This bank provides services with no fees. In addition you earn decent interest on all accounts and they are very competitive with Mortgage rates and CD’s. Customer service is excellent.

4

Good Rate But Snuck In Expensive Insurance

Posted by: |

I got a car loan for about 19K that I got a 3.7% APR on which I felt was a good rate but looking at my documentation later I realized my estimated payment at the end of my loan was almost $3000 more than what I should pay with that rate. I emailed and then called and after speaking to a few people learned that I had an expensive insurance plan for my loan that I do not recall agreeing to.

4

Pure Garbage

Posted by: |

Absolutely terrible experience...and just when you think it can't worse, these crooks proves it can. AVOID AT ALL COSTS

3

Incompetence Perfected!

Posted by: |

Somehow this CU manages to be totally incompetent while at the same time managing to rip you off. From start to finish, every step of working with them is an exercise in stupidity, a stupidity they rely upon to charge you fees.

AVOID AT ALL COSTS - IT ISN'T WORTH IT

6
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Health
A

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #68601
Year Chartered1938
Employees728
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.67%
Annual Interest Income$203.3MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$9.33B$8.84B
LoansQ2 2024vs Q2 2023$6.6B$6.04B
DepositsQ2 2024vs Q2 2023$6.76B$6.49B
Equity CapitalQ2 2024vs Q2 2023$823.9MM$727.7MM
Loan Loss AllowanceQ2 2024vs Q2 2023$70.3MM$47MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$48.6MM$16.9MM
Real Estate OwnedQ2 2024vs Q2 2023$833K$166K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wings Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$25k-Platinum Plus Savings - New Money Only with Direct Deposit
4.50%$25k-Platinum Plus Savings without direct deposit
3.04%*$5m*-High Yield Savings
OTHER TIERS: 0.10% → $0 - $10k | 1.31% → $10k - $50k | 1.46% → $50k - $250k | 1.56% → $250k - $1m | 2.02% → $1m - $5m
3.04%*$5m*-High Yield IRA
OTHER TIERS: 0.10% → $0 - $10k | 1.31% → $10k - $50k | 1.46% → $50k - $250k | 1.56% → $250k - $1m | 2.02% → $1m - $5m
0.15%$0-Share Savings
0.15%$0-Holiday Club Account
0.15%$0-IRA Share Account
0.15%$0-Business Share
0.15%$0-Everyday Business Savings
0.15%$0-Everyday Savings

Wings Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%*$2m*-Business Premium Money Market Account
OTHER TIERS: 0.10% → $0 - $10k | 1.06% → $10k - $25k | 1.11% → $25k - $100k | 1.41% → $100k - $250k | 1.51% → $250k - $500k | 2.12% → $500k - $2m
0.25%*$100k*-Wings Investment Money Market Account
OTHER TIERS: 0.15% → $5k - $50k | 0.20% → $50k - $100k
0.25%*$100k*-Wings IRA Investment Money Market Account
OTHER TIERS: 0.15% → $5k - $50k | 0.20% → $50k - $100k

Wings Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$0$25kHigh Yield Checking
OTHER TIERS: 0.01% → $25k+
0.05%$5k-Advantage Business Checking
0.01%$0-Student Spend Account
0.01%$0-Everyday Checking Account

Wings Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-9 Month Certificate Special - New Money
4.50%$500-Business 9 Month Certificate Special - New Money
4.20%$500-9 Month Certificate Special
4.20%$500-Business 9 Month Certificate Special
3.80%$500-24 Month Certificate Special - New Money
3.80%$500-Business 24 Month Certificate Special - New Money
3.50%$500-24 Month Certificate Special
3.50%$500-Business 24 Month Certificate Special
2.73%*$250k*-5 Year Certificate
OTHER TIERS: 2.58% → $500 - $10k | 2.63% → $10k - $100k | 2.68% → $100k - $250k
2.73%*$250k*-Business 5 Year Certificate
OTHER TIERS: 2.58% → $500 - $10k | 2.63% → $10k - $100k | 2.68% → $100k - $250k
2.58%*$250k*-5 Year Step Up Certificate
OTHER TIERS: 2.43% → $500 - $10k | 2.48% → $10k - $100k | 2.53% → $100k - $250k
2.58%*$250k*-Business 5 Year Step Up Certificate
OTHER TIERS: 2.43% → $500 - $10k | 2.48% → $10k - $100k | 2.53% → $100k - $250k
2.53%*$250k*-4 Year Certificate
OTHER TIERS: 2.37% → $500 - $10k | 2.42% → $10k - $100k | 2.48% → $100k - $250k
2.53%*$250k*-Business 4 Year Certificate
OTHER TIERS: 2.37% → $500 - $10k | 2.42% → $10k - $100k | 2.48% → $100k - $250k
2.32%*$250k*-3 Year Certificate
OTHER TIERS: 2.17% → $500 - $10k | 2.22% → $10k - $100k | 2.27% → $100k - $250k
2.32%*$250k*-Business 3 Year Certificate
OTHER TIERS: 2.17% → $500 - $10k | 2.22% → $10k - $100k | 2.27% → $100k - $250k
1.81%*$250k*-2 Year Certificate
OTHER TIERS: 1.66% → $500 - $10k | 1.71% → $10k - $100k | 1.76% → $100k - $250k
1.81%*$250k*-Business 2 Year Certificate
OTHER TIERS: 1.66% → $500 - $10k | 1.71% → $10k - $100k | 1.76% → $100k - $250k
1.66%*$250k*-1 Year Certificate
OTHER TIERS: 1.51% → $500 - $10k | 1.56% → $10k - $100k | 1.61% → $100k - $250k
1.66%*$250k*-Business 1 Year Certificate
OTHER TIERS: 1.51% → $500 - $10k | 1.56% → $10k - $100k | 1.61% → $100k - $250k
1.46%$25-12 Month Add-On Certificate
1.26%*$250k*-6 Month Certificate
OTHER TIERS: 1.10% → $500 - $10k | 1.15% → $10k - $100k | 1.21% → $100k - $250k
1.11%*$250k*-3 Month Certificate
OTHER TIERS: 0.95% → $500 - $10k | 1.00% → $10k - $100k | 1.05% → $100k - $250k

Wings Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.73%*$250k*-5 Year IRA
OTHER TIERS: 2.58% → $500 - $10k | 2.63% → $10k - $100k | 2.68% → $100k - $250k
2.58%*$250k*-5 Year Step Up IRA
OTHER TIERS: 2.43% → $500 - $10k | 2.48% → $10k - $100k | 2.53% → $100k - $250k
2.53%*$250k*-4 Year IRA
OTHER TIERS: 2.37% → $500 - $10k | 2.42% → $10k - $100k | 2.48% → $100k - $250k
2.32%*$250k*-3 Year IRA
OTHER TIERS: 2.17% → $500 - $10k | 2.22% → $10k - $100k | 2.27% → $100k - $250k
1.81%*$250k*-2 Year IRA
OTHER TIERS: 1.66% → $500 - $10k | 1.71% → $10k - $100k | 1.76% → $100k - $250k
1.66%*$250k*-1 Year IRA
OTHER TIERS: 1.51% → $500 - $10k | 1.56% → $10k - $100k | 1.61% → $100k - $250k
1.46%$25-12 Month Add-On IRA
1.26%*$250k*-6 Month IRA
OTHER TIERS: 1.10% → $500 - $10k | 1.15% → $10k - $100k | 1.21% → $100k - $250k
1.11%*$250k*-3 Month IRA
OTHER TIERS: 0.95% → $500 - $10k | 1.00% → $10k - $100k | 1.05% → $100k - $250k
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