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Overview / Commentary
336-727-2663
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 2,067th largest credit union in the nation. It was established in 1957 and as of December of 2016, it had grown to 26 employees and 11,749 members at 2 locations. Winston-Salem Federal Credit Union has a B 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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Health
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

Overall
NCUA #24814
Year Chartered1957
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-0.37%
Return on Equity - YTD-2.8%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$63.1MM$62.4MM
LoansQ4 2016vs Q4 2015$51.4MM$49.7MM
DepositsQ4 2016vs Q4 2015$53.5MM$52.9MM
Equity CapitalQ4 2016vs Q4 2015$8.3MM$8.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$679.00K$527.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.7MM$1.9MM
Real Estate OwnedQ4 2016vs Q4 2015$355.00K$204.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%--IRA Savings
0.60%--Roth IRA Savings
0.60%--Education 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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