Wcu Credit Union

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A short history of Wcu CU

Since its inception in 1948 the Wcu Credit Union has been serving its members in the DECATUR, Alabama 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 CHRISTI THOMPSON, the Wcu CU has grown its membership to over 3,463 with assets of more than $24,692,462. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (256) 355-5010 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DECATUR, AL.

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

Charter Number 61150
Address 2505 HIGHWAY 31 S 
State Alabama 
Zip-Code 35603
Phone Number (256) 355-5010
Fax Number (256) 355-2989
Email Address: none
Members 3,463 
Full-Time Employees 10 
Part-Time Employees
Number of Branch Offices
Total Assets 24,692,462 
Website http://WCUCU.COM 

Compare Wcu Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Family Security CU Athens 214 US Highway 31 S 35603 (256) 340-2000 No 3.57
Redstone CU Highway 53 Branch 6056 Highway 53 35603 (256) 837-6110 No 21.89
Rocket City CU Rocket City Federal Credit Union 2200 Clinton Ave W 35805 (256) 533-0541 No 23.85
Champion Community CU CCCU - Florence Branch 1554 Florence Blvd 35630 (256) 637-6511 No 24.03
Postal Employees CU POSTAL EMPLOYEES CREDIT UNION 220 WINGATE AVE SW 35804 (256) 881-2400 No 25.13

Wcu Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Wcu 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 N/A 2.50 2.50 3.50 5.50
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 84 52 72 289
Rank Among All Alabama Credit Unions N/A 9 5 5 28

Wcu Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.08 0.05 0.03 0.04
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 134 142 342 292
Rank Among All Alabama Credit Unions N/A 24 23 42 35
Wcu Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 9.000331843,200
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.5001132,148,335
Used Vehicle Loans 2.5005946,083,236
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.500502,155,373
Total Other Real Estate Loans/Lines of Credit 5.50018,438
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.3001151,277,216
TOTAL LOANS & LEASES 1,20412,515,798

Wcu 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 502,155,3733365,500
    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 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 18,43800
Open-End Fixed Rate 0000
TOTALS 512,163,8113365,500


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

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