WCU Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.wcucu.com

256-355-5010

2505 Highway 31 S
Decatur, AL 35603

WCU Credit Union is headquartered in Decatur and is the 53^rd largest credit union in the state of Alabama. It is also the 2,773^rd largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 14 employees and 3,383 members at 2 locations. WCU Credit Union's CD rates are 3X the national average, and it has a C+ health rating.

Field of Membership Restrictions

WCU Credit Union is open to anyone who lives, works, or worships in Lawrence or Morgan Counties, Alabama.
See current membership details

Reviews

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Health

C+

Data as of Q1 2025

Learn why bank health matters

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. WCU Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	61150
Year Chartered	1948
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	6.59%
Annual Interest Income	$355K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$34.6MM$35.3MM
Loans	Q1 2025vs Q1 2024	$17.3MM$17.7MM
Deposits	Q1 2025vs Q1 2024	$31.5MM$32.1MM
Equity Capital	Q1 2025vs Q1 2024	$3MM$2.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$82K$70K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$357K$274K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

WCU Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$100	-	Share

WCU Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$100k^*	-	Money Market
OTHER TIERS: 0.50% → $2.5k - $5k \| 0.75% → $5k - $50k \| 1.00% → $50k - $100k

WCU Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%	$1k	-	24 Month CD
3.00%	$1k	-	12 Month CD
2.79%	$1k	-	36 Month CD
2.79%	$1k	-	48 Month CD
2.79%	$1k	-	60 Month CD
2.53%	$1k	-	6 Month CD

Locations

WCU Credit Union Locations
Moulton Branch	26 Franklin Smith Rd	Moulton, AL 35650-1923
Main Office	2505 Highway 31 S	Decatur, AL 35603-1503

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