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Overview / Commentary
711 E Salem Ave
Winston Salem, NC 27101-5365

Winston-Salem Federal Credit Union is headquartered in WINSTON SALEM and is the 29th largest credit union in the state of North Carolina. It is also the 2,071st largest credit union in the nation. It was established in 1957 and as of September of 2017, it had grown to 25 employees and 13,132 members at 2 locations. Winston-Salem Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees or members of Winston-Salem State University, Piedmont Authority for Reginal Transportation, Winston-Salem Forsyth County Schools and other select organizations.
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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. Winston-Salem Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24814
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.42%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$63.5MM$63.8MM
LoansQ3 2017vs Q3 2016$51.6MM$50.9MM
DepositsQ3 2017vs Q3 2016$53.3MM$54.2MM
Equity CapitalQ3 2017vs Q3 2016$8.5MM$8.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$666.00K$612.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.9MM$1.4MM
Real Estate OwnedQ3 2017vs Q3 2016$522.00K$205.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winston-Salem Federal Credit Union Savings Account Rates

0.60%--IRA Savings
0.25%$25-Christmas Club
0.25%$25-Vacation Club
0.25%$50-Student Club
0.20%$25-Membership Share

Winston-Salem Federal Credit Union Money Market Rates

0.35%*$100k*-Money Market
OTHER TIERS: 0.20% $250 - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k

Winston-Salem Federal Credit Union CD Rates

1.15%$250-48 Month CD
0.90%$250-36 Month CD
0.75%$250-24 Month CD
0.75%$125-17 Month Gen Y CD
0.55%$250-18 Month CD
0.35%$250-12 Month CD
0.35%$25-12 Month Save To Win CD
0.30%$250-6 Month CD

Winston-Salem Federal Credit Union IRA Rates

1.25%$250-48 Month C.U.R.E. Retirement Club Certificate
1.00%$250-36 Month C.U.R.E. Retirement Club Certificate
0.85%$250-24 Month C.U.R.E. Retirement Club Certificate
0.65%$250-18 Month C.U.R.E. Retirement Club Certificate
0.45%$250-12 Month C.U.R.E. Retirement Club Certificate
0.40%$250-6 Month C.U.R.E. Retirement Club Certificate

Winston-Salem Federal Credit Union Locations
Branch Office711 E SALEM AVEWINSTON SALEM, NC 27101-5365
Branch Office3193 Peters Creek Pkwy Ste AWinston Salem, NC 27127