Waco Federal Credit Union

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A short history of Waco FCU

Since its inception in 1949 the Waco Federal Credit Union has been serving its members in the WACO, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Tony Head, the Waco FCU has grown its membership to over 2,181 with assets of more than $16,128,200. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (254) 753-0361 or email them at thead-wfcu@hot.rr.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WACO, TX.

General Information For Waco FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 6368
Address P O BOX 646 
City WACO 
State Texas 
Zip-Code 76703
Phone Number (254) 753-0361
Fax Number (254) 753-0371
Email Address: thead-wfcu@hot.rr.com
CEO/President Tony Head
Members 2,181 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 16,128,200 
Website http://www.wacofcu.org 

Compare Waco Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Highway District 9 CU Highway District 9 Credit Union 2417 Columbus Ave 76701 (254) 756-6331 No 0.57
Mclennan County Employees CU Corporate Office 215 N 5th St Ste 224 76701 (254) 757-5015 No 0.97
1st University CU Aramark Management Offices 2100 River St 76703 (254) 710-1414 No 1.44
Genco CU Valley Mills 731 N Valley Mills Dr 76714 (254) 776-9550 No 2.31
Members Choice Of Central Texas CU Northside Branch 845 New Dallas Hwy 76705 (254) 867-1250 No 2.52

Waco Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Waco Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.50 3.00 4.50 7.00 9.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 434 146 264 438 500
Rank Among All Texas Credit Unions 94 52 97 129 136

Waco Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.02 0.15 N/A 0.50 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 135 119 N/A 263 227
Rank Among All Texas Credit Unions 38 43 N/A 88 59
Waco Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.500267337,652
All Other Unsecured Loans/Lines of Credit 12.000204295,715
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.0001051,864,013
Used Vehicle Loans 4.5001951,521,650
Total 1st Mortgage Real Estate Loans/Lines of Credit 7.0009151,614
Total Other Real Estate Loans/Lines of Credit 9.00026,798
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.0001011,343,828
TOTAL LOANS & LEASES 8835,521,270

Waco Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 9151,61400
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 26,79800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 11158,41200


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Waco Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans No
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes