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Overview / Commentary
334-793-3667
326 Honeysuckle Rd
Dothan, AL 36305

Wiregrass Federal Credit Union is headquartered in Dothan and is the 44th largest credit union in the state of Alabama. It is also the 2,444th largest credit union in the nation. It was established in 1959 and as of March of 2017, it had grown to 19 employees and 6,979 members at 3 locations. Wiregrass Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Coffee, Covington, Dale or Houston County in Alabama or Jackson County in Florida.
See current membership details

Reviews (1)

It is okay, but not great.

Posted by: bethewing | Jul 18, 2017

This has been my main bank for a long time now so I think I can give a good review of it. When you come you are greeted by friendly staff and everything about the people who work here is very pleasant, I will give them that. They are very easy to talk and work with and will remember you each time you come in to talk to them. The area they fall short in are some of the services and products they offer. You can't really complain considering it is a small local bank, but I mean you can go to some other places and get a few more things. Overall I would say they are worth using if you need a new bank in the area!



Health
C+
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. Wiregrass Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #13228
Year Chartered1959
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD11.32%
Annual Interest Income$510.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$46.2MM$44.3MM
LoansQ1 2017vs Q1 2016$38.3MM$36.4MM
DepositsQ1 2017vs Q1 2016$41.9MM$40.3MM
Equity CapitalQ1 2017vs Q1 2016$4.1MM$3.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$202.00K$210.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$322.00K$238.00K
Real Estate OwnedQ1 2017vs Q1 2016$41.00K$52.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wiregrass Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--IRA Accumulative Account
0.15%--Christmas Club Account
0.10%--Regular Savings Account
0.10%--MISC Savings Account
0.10%--MP Savings Account
0.10%--Minor's Share Account
0.10%--Payable on Death Account
0.10%--Eaglet Club Account

Wiregrass Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.36%*$50k*-Money Market Account
OTHER TIERS: 0.25% $2,500 - $10k | 0.30% $10k - $50k

Wiregrass Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2,500-Share Draft Account

Wiregrass Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-36 Month CD
1.00%$500-24 Month CD
0.90%$500-18 Month CD
0.80%$500-12 Month CD
0.45%$500-182 Day CD
0.30%$500-91 Day CD

Wiregrass Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.32%$500-36 Month IRA
0.91%$500-18 Month IRA
0.90%$500-12 Month IRA
Locations


Wiregrass Federal Credit Union Locations
Branch Office334 Snowden DrAndalusia, AL 36420-2535
Branch Office326 Honeysuckle RdDothan, AL 36305
Branch Office4695 Highway 90Marianna, FL 32446