WCU Credit Union
Verified rate book
Current WCU Credit Union rates
17 published offers verified as of August 4, 2026.
Auto & vehicle rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| See Policyauto | 4.250% APR | 4.250% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| No NEW HELOC’s only add-ons to existingheloc_variable | 6.250% APR | 6.250% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Loanpersonal | 8.000% APR | 8.000% | — | Standard |
| Overdraft Line of Creditpersonal | 18.000% APR | 18.000% | — | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Sharesavings | 0.15% APY | 0.15% | — | Standard |
| Money Marketmoney_market | 0.50% APY | 0.50% | — | Standard |
| 6-Month Certificateshare_certificate_6mo | 2.53% APY | 2.53% | 6 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 2.79% APY | 2.79% | 36 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.00% APY | 3.00% | 12 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.30% APY | 3.30% | 24 mo | Standard |
| CD Amountcd | 4.00% APY | 4.00% | — | Standard |
| Shares Availableother | 4.00% APY | 4.00% | — | Standard |
Other rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| APR as low asother | 4.500% % | 4.500% | — | Standard |
| 80% of Appraisalother | 5.250% % | 5.250% | — | Standard |
| Credit Committeeother | 5.250% % | 5.250% | — | Standard |
| 75% of Appraisalother | 7.000% % | 7.000% | — | Standard |
| Purchase Priceother | 8.000% % | 8.000% | — | Standard |
Auto loans available from 4.25% APR. HELOC rates from 6.25% APR. Personal loan rates from 8% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from WCU Credit Union's official website
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About WCU Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 3.4K
- Assets
- $35.2M
- Founded
- 1948
- Locations reported
- 2
- NCUA charter
- 61150
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join WCU Credit Union
Membership eligibility from WCU Credit Union's own published criteria. How we verify this.
Community charter: live/work in Morgan, Lawrence, AL
- LocationMorgan, Lawrence — AL
Verified from WCU Credit Union's membership page. Final membership determination is always made by the credit union.
Work at WCU Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where WCU Credit Union ranks against Alabama peers.
Frequently Asked Questions
What rates does WCU Credit Union offer?
WCU Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are WCU Credit Union rates updated?
RateAPI verifies WCU Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get WCU Credit Union's rate data?
Rate data is collected directly from WCU Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are WCU Credit Union's auto loan rates?
As of August 4, 2026, WCU Credit Union offers auto loans from 4.25% APR.
What is WCU Credit Union's HELOC rate?
As of August 4, 2026, WCU Credit Union offers home equity lines of credit from 6.25% APR.
What is WCU Credit Union's personal loan rate?
As of August 4, 2026, WCU Credit Union offers personal loans from 8% APR.
What is WCU Credit Union's best CD rate?
As of August 4, 2026, WCU Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare WCU Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack WCU Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for WCU Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/wcu-credit-union" \
-H "Authorization: Bearer YOUR_API_KEY"