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Overview / Commentary
205 W Laurel Ave
Damascus, VA 24236

WJC Federal Credit Union is headquartered in Damascus and is the 111th largest credit union in the state of Virginia. It is also the 4,891st largest credit union in the nation. It was established in 1982 and as of September of 2017, it had grown to 2 employees and 977 members at 1 location. WJC Federal Credit Union has a D health rating.

Field of Membership Restrictions

Membership in WJC Federal Credit Union is open to those who live, work, worship or attend school in Washington County, Virginia.
See current membership details


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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. WJC Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #23938
Year Chartered1982
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD10.95%
Annual Interest Income$232.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$4.3MM$4.0MM
LoansQ3 2017vs Q3 2016$3.6MM$3.4MM
DepositsQ3 2017vs Q3 2016$3.8MM$3.6MM
Equity CapitalQ3 2017vs Q3 2016$402.00K$351.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$48.00K$23.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$457.00K$145.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

WJC Federal Credit Union Savings Account Rates

0.30%*$10k*-Savings Account
OTHER TIERS: 0.19% Up to $10k

WJC Federal Credit Union CD Rates

1.00%$1k-5 Year CD
0.95%$1k-4 Year CD
0.80%$1k-3 Year CD
0.65%$1k-2 Year CD
0.45%$1k-1 Year CD

WJC Federal Credit Union Locations
Branch Office205 W Laurel AveDamascus, VA 24236