Wichita Falls Credit Union

Wichita Falls, Texas
Last verified: August 4, 2026
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Verified rate book

Current Wichita Falls Credit Union rates

41 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

8 offers
Wichita Falls Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Automobile and Motorcycles (New)motorcycle_new_75mo5.240% APR5.240%75 mo · newStandard
84-Month Boat Loanboat_any_84mo5.740% APR5.740%84 moStandard
Travel Trailers / RV (New)rv_new_120mo5.740% APR5.740%120 mo · newStandard
Automobile and Motorcycles (Used)motorcycle_used_66mo5.740% APR5.740%66 mo · usedStandard
Miscellaneous Titled Vehicles (New)auto_new_72mo6.240% APR6.240%72 mo · newStandard
Travel Trailers / RV (Used)rv_used_120mo6.240% APR6.240%120 mo · usedStandard
Miscellaneous Titled Vehicles (Used)auto_used_72mo6.740% APR6.740%72 mo · usedStandard
96-Month Boat Loanboat_any_96mo6.740% APR6.740%96 moStandard

HELOC rates

1 offer
Wichita Falls Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loanheloc6.500% APR6.500%—Standard

Personal loan rates

1 offer
Wichita Falls Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Signature Loanpersonal_unsecured_60mo9.000% APR9.000%60 moStandard

Credit card rates

3 offers
Wichita Falls Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.500% APR8.500%—Standard
Mastercard® Goldcredit_card9.000% APR9.000%—Standard
Mastercard® Standardcredit_card13.000% APR13.000%—Standard

Savings & CD rates

24 offers
Wichita Falls Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Checkingsavings0.10% APY0.10%—Standard
Savingsshare_savings0.20% APY0.20%—Standard
Kids Accounts & Special Savingssavings0.20% APY0.20%—Eligibility restricted
IRA Savings Rates - Traditional and Rothira0.75% APY0.75%—Standard
Regular and IRA Certificate (60-Month Term Certificate)ira_cd_60mo2.75% APY2.75%60 moStandard
60-Month Certificateshare_certificate_60mo2.79% APY2.75%60 moStandard
Regular and IRA Certificate (48-Month Term Certificate)ira_cd_48mo2.85% APY2.85%48 moStandard
Regular and IRA Certificate (36-Month Term Certificate)ira_cd_36mo2.85% APY2.85%36 moStandard
60-Month Certificate ($50,000+)share_certificate_60mo2.85% APY2.85%60 moStandard
36-Month Certificateshare_certificate_36mo2.89% APY2.85%36 moStandard
48-Month Certificateshare_certificate_48mo2.89% APY2.85%48 moStandard
36-Month Certificate ($50,000+)share_certificate_36mo2.95% APY2.95%36 moStandard
48-Month Certificate ($50,000+)share_certificate_48mo2.95% APY2.95%48 moStandard
Regular and IRA Certificate (18-Month Term Certificate)ira_cd_18mo3.00% APY3.00%18 moStandard
18-Month Certificateshare_certificate_18mo3.04% APY3.00%18 moStandard
Regular and IRA Certificate (24-Month Term Certificate)ira_cd_24mo3.25% APY3.25%24 moStandard
24-Month Certificateshare_certificate_24mo3.30% APY3.25%24 moStandard
24-Month Certificate ($50,000+)share_certificate_24mo3.35% APY3.35%24 moStandard
Regular and IRA Certificate (6-Month Term Certificate)ira_cd_6mo3.55% APY3.55%6 moStandard
Regular and IRA Certificate (12-Month Term Certificate)ira_cd_12mo3.60% APY3.60%12 moStandard
6-Month Certificateshare_certificate_6mo3.61% APY3.55%6 moStandard
6-Month Certificate ($50,000+)share_certificate_6mo3.65% APY3.65%6 moStandard
12-Month Certificateshare_certificate_12mo3.66% APY3.60%12 moStandard
12-Month Certificate ($50,000+)share_certificate_12mo3.70% APY3.70%12 moStandard

Equipment loan rates

2 offers
Wichita Falls Credit Union equipment loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Tractor (New)equipment_new_72mo6.740% APR6.740%—Standard
Tractor (Used)equipment_used_72mo7.740% APR7.740%—Standard

Other rates

2 offers
Wichita Falls Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Older than 10 yearsother2.000% %2.000%—Standard
Over Draft Protectionother18.000% %18.000%—Standard

Vehicle loans available from 5.24% APR for 75 months. HELOC rates from 6.5% APR. Personal loan rates from 9% APR. Credit card rates from 8.5% APR. Savings and certificate yields up to 3.70% APY. Equipment loans from 6.74% APR.

Source: RateAPI.dev, verified from Wichita Falls Credit Union's official website

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About Wichita Falls Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
2.8K
Assets
$34.9M
Founded
1949
Locations reported
2
NCUA charter
6317
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Payday Alternative Loans I

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.

Midwestern State UniversityMidwestern State University Credit Union · Wichita Falls · TX · 76308Branch in the same ZIPPostel FamilyMaplewood · Wichita Falls · TX · 76308Branch in the same ZIPTexoma CommunitySPO (2 DT & 1 Lobby ATM) · Wichita Falls · TX · 76308Branch in the same ZIPUnion SquareKemp Street · Wichita Falls · TX · 76308-1016Branch in the same ZIPWichita Falls TeachersWichita Falls Teachers Federal Credit Union · Wichita Falls · TX · 76310About 3.5 miles awaySecured AdvantageIowa Park · Iowa Park · TX · 76367-1180About 13.0 miles away

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 Wichita Falls Credit Union

Membership eligibility from Wichita Falls Credit Union's own published criteria. How we verify this.

Membership via employers (City of Wichita Falls +7 more) or occupations (Wichita Falls City Council)

  • EmployerCity of Wichita Falls, Wichita County Water District 2, Wichita Falls Housing Authority, Wichita Falls City/County Health Unit, Wichita County Appraisal District, Lakeside City, TB Electrical, Century Construction
  • OccupationWichita Falls City Council

Cost to join: About $25.

Verified from Wichita Falls Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Wichita Falls Credit Union?

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Frequently Asked Questions

What rates does Wichita Falls Credit Union offer?

Wichita Falls Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Wichita Falls Credit Union rates updated?

RateAPI verifies Wichita Falls 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 Wichita Falls Credit Union's rate data?

Rate data is collected directly from Wichita Falls 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 Wichita Falls Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, Wichita Falls Credit Union offers vehicle loans from 5.24% APR.

What is Wichita Falls Credit Union's HELOC rate?

As of August 4, 2026, Wichita Falls Credit Union offers home equity lines of credit from 6.5% APR.

What is Wichita Falls Credit Union's personal loan rate?

As of August 4, 2026, Wichita Falls Credit Union offers personal loans from 9% APR.

What is Wichita Falls Credit Union's best CD rate?

As of August 4, 2026, Wichita Falls Credit Union offers savings and certificate (CD) yields up to 3.70% APY.

Related Rate Data

Compare Wichita Falls Credit Union's rates against national credit-union benchmarks.

More Texas credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Wichita Falls Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/wichita-falls" \
  -H "Authorization: Bearer YOUR_API_KEY"
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