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Winston-Salem Federal Credit Union

Popular Accounts at this Credit Union

0.35%1-year CD12 Month Save To Win CD
0.20%SavingsMembership Share
1.15%4-year CD48 Month CD

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 2,064th largest credit union in the nation. It was established in 1957 and as of March of 2018, it had grown to 27 employees and 13,445 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 - YTD-1.82%
Return on Equity - YTD-13.85%
Annual Interest Income$863.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$64.7MM$64.9MM
LoansQ1 2018vs Q1 2017$49.8MM$51.2MM
DepositsQ1 2018vs Q1 2017$54.7MM$55.4MM
Equity CapitalQ1 2018vs Q1 2017$8.3MM$8.3MM
Loan Loss AllowanceQ1 2018vs Q1 2017$754.00K$674.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.6MM$1.7MM
Real Estate OwnedQ1 2018vs Q1 2017$255.00K$320.00K
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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 - $50k | 0.25% $50k - $100k

Winston-Salem Federal Credit Union CD Rates

1.70%$500-24 Month CD Special
1.15%$250-48 Month CD
1.00%$250-36 Month CD
0.90%$250-24 Month CD
0.90%$125-17 Month Gen Y CD
0.80%$250-18 Month CD
0.70%$250-12 Month CD
0.50%$250-6 Month CD
0.35%$25-12 Month Save To Win CD

Winston-Salem Federal Credit Union IRA Rates

1.25%$250-48 Month C.U.R.E. Retirement Club Certificate
1.10%$250-36 Month C.U.R.E. Retirement Club Certificate
1.00%$250-24 Month C.U.R.E. Retirement Club Certificate
0.90%$250-18 Month C.U.R.E. Retirement Club Certificate
0.80%$250-12 Month C.U.R.E. Retirement Club Certificate
0.60%$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

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