Wings Financial Credit Union

Overview / Commentary
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. 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

Related Posts

Wings Financial Ups 5-Year CD Rate And Brings Back 18-Month CD Special - 11/26/2021

Wings Financial Credit Union (easy membership) has added 25 bps to its competitive 5-year CD. 18-month CD Special available again through November 30, 2021.

18-Month CD Special Available Through The End Of The Month - 11/26/2021

0.85% APY. $500 minimum. New deposits only. Certificate must be opened in a branch or through the National Contact Center. Offer valid 11/22–11/30/21.

Wings Financial Offers $300 Checking Bonus Again - 11/10/2021

Wings Financial Credit Union (easy membership) is once again offering a $300 bonus when opening a new First Class Checking or High-Yield Checking account.

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Wings Financial

Posted by: |

Rarely do I provide any kind of on-line review for products or services.  However, when I happened upon this site and noticed a low 'rating' for Wings Financial, I felt compelled to contribute. 

I have been a member of Wings Financial since 1992, when it was simply NWAFCU.   In that time, I have had very good experiences with many of their products and services, including savings, checking, credit cards, auto loans, home equity loans, first mortgage, home refinancing, tax preparation, on-line services, CD's, and Money Market investments.  Wings has a reputation for offering among the highest returns on CD investments (often listed in the local Tribune), while offering among the lowest mortgage rates.   

I've been very satisfied with on-line baking services, and often wonder why friends actullay go to a bank in-person anymore.  When friends complain about surprising fees/penalties for using their bank's services, I'm similarly surpised because the concept seems so foreign at Wings.   It has been, frankly, a fantastic 20 years.    I look forward to my next 20 years with Wings Financial.




Positive CU Experience

I have been a member at Wings Financial for the last six years. So far, I have had nothing but positive experiences with this institution. All of their checking accounts have no fees and offer unique perks such as signature rewards. This means I am able to get cash back on purchases four times a year. Wings also does a good job of keeping up with a competitive market. They rolled out the chip debit cards in a reasonable amount of time which was very helpful for traveling to countries that required chip-based transactions. They also have savings accounts that are quite good. I have both a standard savings and "money manager" that I use for a separate savings account. Wings also offers money market accounts and one of these options even has check writing capabilities.

Great Credit Union

Posted by: |

I've always had courteous and prompt service from the employees at Wings Financial CU whenever I've called them. And they usually offer one of the highest interest rates in the nation on CDs.  

There is only one thing I wish they did differently at their website: they only allow you to see check images for about two months.  That is not long enough!  If I need to see who a check was written to, or if I need to print the check image to prove that payment was made 3 months ago, I can't.  Come on Wings, in all other areas you give great customer service; please also do so in this regard!

Unable To Transfer Money Using Web App

Posted by: |

I have been unable to transfer money to my account at another financial institution since Wings performed a system upgrade about 2 months ago. I have called and spoke to several customer service representatives may times over the last few months and get the same response. They are aware of the issue with their online Web app, they are working on resolving the issue and have no ETA on when it will be working again as it is an interment problem. The first few times when calling they told me they would look into the problem and someone would get back to me. No one has ever called me back up to this point. I have worked in the financial industry for 30 years as a IT Programmer/Devoloper providing production support plus many more duties over those years. If one of my upgrades that I installed would have had any issue like this and still was not resolved by this time I can guarantee you that I would have lost my job by now. Not happy that this issue has not been resolved yet and not happy with the customer service that I have received related to this issue. I have a substantial amount of money in many different accounts and will not be depositing any more money with this financial institution if this is the type of service they are going to be providing going forward.



Health Grade Components

NCUA #68601
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD11.39%
Annual Interest Income$100.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$7.94B$7.30B
LoansQ2 2022vs Q2 2021$5.05B$4.36B
DepositsQ2 2022vs Q2 2021$6.37B$6.04B
Equity CapitalQ2 2022vs Q2 2021$691.2MM$852.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$60.0MM$47.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$10.3MM$9.3MM
Real Estate OwnedQ2 2022vs Q2 2021$0$115.00K
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Always verify rates and promotions with the bank or credit union. We are not Wings Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

1.16%*$250k*-High Yield Savings
OTHER TIERS: 0.10% Up to $10k | 0.90% $10k - $50k | 1.06% $50k - $250k
1.16%*$250k*-High Yield IRA
OTHER TIERS: 0.10% Up to $10k | 0.90% $10k - $50k | 1.06% $50k - $250k
0.15%--Share Savings
0.15%--Money Manager Account
0.15%--Holiday Club Account
0.15%--IRA Share Account
0.15%--Business Share
0.15%--Everyday Business Savings

Wings Financial Credit Union Money Market Rates

1.11%*$500k*-Premium Business Money Market Account
OTHER TIERS: 0.10% Up to $10k | 0.55% $10k - $25k | 0.60% $25k - $100k | 0.65% $100k - $250k | 0.75% $250k - $500k
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

2.02%*-$25kHigh Yield Checking
OTHER TIERS: 0.01% $25k+
0.05%$5k-Advantage Business Checking
0.01%--First Class Checking Account (Share Draft)
0.01%--Student Spend Account

Wings Financial Credit Union CD Rates

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
2.63%$500-26 Month Certificate Special
2.63%$500-Business 26 Month CD Special
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
2.02%$500-10 Month Certificate Special
2.02%$500-Business 10 Month CD Special
1.51%*$250k*-2 Year Certificate
OTHER TIERS: 1.36% $500 - $10k | 1.41% $10k - $100k | 1.46% $100k - $250k
1.51%*$250k*-Business 2 Year Certificate
OTHER TIERS: 1.36% $500 - $10k | 1.41% $10k - $100k | 1.46% $100k - $250k
1.36%*$250k*-1 Year Certificate
OTHER TIERS: 1.20% $500 - $10k | 1.26% $10k - $100k | 1.31% $100k - $250k
1.36%*$250k*-Business 1 Year Certificate
OTHER TIERS: 1.21% $500 - $10k | 1.26% $10k - $100k | 1.31% $100k - $250k
1.21%$500-12 Month Add-On Certificate
0.95%*$250k*-6 Month Certificate
OTHER TIERS: 0.80% $500 - $10k | 0.85% $10k - $100k | 0.90% $100k - $250k
0.80%*$250k*-3 Month Certificate
OTHER TIERS: 0.65% $500 - $10k | 0.70% $10k - $100k | 0.75% $100k - $250k

Wings Financial Credit Union IRA Rates

2.73%*$250k*-5 Year IRA
OTHER TIERS: 2.48% $10k - $100k | 2.58% $500 - $10k | 2.68% $100k - $250k
2.63%$500-12 Month Add-On IRA
2.63%$500-26 Month IRA Special
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
2.02%$500-10 Month IRA Special
1.51%*$250k*-2 Year IRA
OTHER TIERS: 1.36% $500 - $10k | 1.41% $10k - $100k | 1.46% $100k - $250k
1.36%*$250k*-1 Year IRA
OTHER TIERS: 1.20% $500 - $10k | 1.26% $10k - $100k | 1.31% $100k - $250k
0.95%*$250k*-6 Month IRA
OTHER TIERS: 0.80% $500 - $10k | 0.85% $10k - $100k | 0.90% $100k - $250k
0.80%*$250k*-3 Month IRA
OTHER TIERS: 0.65% $500 - $10k | 0.70% $10k - $100k | 0.75% $100k - $250k


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