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WJC Federal Credit Union

Popular Accounts at this Credit Union

1.00%5-year CD5 Year CD
0.45%1-year CD1 Year CD
0.30%SavingsSavings Account

Overview / Commentary
205 W Laurel Ave
Damascus, VA 24236

WJC Federal Credit Union is headquartered in Damascus and is the 120th largest credit union in the state of Virginia. It is also the 5,174th largest credit union in the nation. It was established in 1982 and as of March of 2016, it had grown to 1 employees and 776 members at 1 location. WJC Federal Credit Union has a C- health rating.

Field of Membership Restrictions

On May 23, 2012 we received approval from the National Credit Union Administration to become a community credit union. Our field of membership covering Washington County, Virginia and Johnson County, Tennessee. Hence the name “WJC Federal Credit Union."
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 - YTD0.64%
Return on Equity - YTD7.21%
Annual Interest Income$63.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$3.8MM$3.6MM
LoansQ1 2016vs Q1 2015$3.2MM$3.1MM
DepositsQ1 2016vs Q1 2015$3.4MM$3.2MM
Equity CapitalQ1 2016vs Q1 2015$333.00K$285.00K
Loan Loss AllowanceQ1 2016vs Q1 2015$23.00K$41.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$197.00K$176.00K
Real Estate OwnedQ1 2016vs Q1 2015$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