What are the current interest rates at Wauna Federal Credit Union?

Current rates for Wauna Federal Credit Union include: 12-Month CD: 2.75%, 18-Month CD: 1.50%, 24-Month CD: 1.35%, 60-Month CD: 1.10%, Savings: 0.01%, MMA: 0.05%

MonitorBankRates

☰

Home›
Credit Unions›
Wauna Federal Credit Union

iAdvertiser Disclosure

Wauna Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Wauna Federal Credit Union?

Yes, to access services at Wauna Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wauna Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 12, 2026

Wauna Federal Credit Union's 6 Month CD ($10,000.00) rates are at 2.75%, 6 Month CD ($100,000.00+) rates are at 2.75%, 6 Month CD ($20,000.00) rates are at 2.75%, 6 Month CD ($50,000.00) rates are at 2.75%, 6 Month CD ($500.00) rates are at 2.75%. Wauna Federal Credit Union's savings rates are at 0.01%. Wauna Federal Credit Union's money market rates are at 0.05%. Wauna Federal Credit Union's Personal Loan Rates are as low as 9.99%. Wauna Federal Credit Union's Credit Card Rates are at 12.40%. MonitorBankRates evaluates the financial stability of Wauna Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.86%. Rates last updated and verified on 09/12/2026.

Wauna Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Wauna Federal Credit Union? Share your experience about Wauna Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Wauna Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.86%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Wauna Federal Credit Union
Corporate

101 Truehaak St
Clatskanie, OR 97016-7454

https://www.waunafcu.org

Wauna Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate ($10,000.00)	2.72%	2.75%	6 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
6 Month Certificate ($100,000.00+)	2.72%	2.75%	6 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
6 Month Certificate ($20,000.00)	2.72%	2.75%	6 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
6 Month Certificate ($50,000.00)	2.72%	2.75%	6 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
6 Month Certificate ($500.00)	2.72%	2.75%	6 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
12 Month Certificate ($10,000.00)	1.88%	1.90%	12 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
12 Month Certificate ($100,000.00+)	1.88%	1.90%	12 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
12 Month Certificate ($20,000.00)	1.88%	1.90%	12 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
12 Month Certificate ($50,000.00)	1.88%	1.90%	12 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
12 Month Certificate ($500.00)	1.88%	1.90%	12 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
18 Month Certificate ($10,000.00)	1.49%	1.50%	18 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
18 Month Certificate ($100,000.00+)	1.49%	1.50%	18 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
18 Month Certificate ($20,000.00)	1.49%	1.50%	18 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
18 Month Certificate ($50,000.00)	1.49%	1.50%	18 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
18 Month Certificate ($500.00)	1.49%	1.50%	18 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
24 Month Certificate ($10,000.00)	1.34%	1.35%	24 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
24 Month Certificate ($100,000.00+)	1.34%	1.35%	24 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
24 Month Certificate ($20,000.00)	1.34%	1.35%	24 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
24 Month Certificate ($50,000.00)	1.34%	1.35%	24 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
24 Month Certificate ($500.00)	1.34%	1.35%	24 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
36 Month Certificate ($10,000.00)	1.24%	1.25%	36 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
36 Month Certificate ($100,000.00+)	1.24%	1.25%	36 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
36 Month Certificate ($20,000.00)	1.24%	1.25%	36 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
36 Month Certificate ($50,000.00)	1.24%	1.25%	36 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
36 Month Certificate ($500.00)	1.24%	1.25%	36 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
48 Month Certificate ($10,000.00)	1.10%	1.10%	48 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
48 Month Certificate ($100,000.00+)	1.10%	1.10%	48 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
48 Month Certificate ($20,000.00)	1.10%	1.10%	48 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
48 Month Certificate ($50,000.00)	1.10%	1.10%	48 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
48 Month Certificate ($500.00)	1.10%	1.10%	48 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
60 Month Certificate ($10,000.00)	1.10%	1.10%	60 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
60 Month Certificate ($100,000.00+)	1.10%	1.10%	60 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
60 Month Certificate ($20,000.00)	1.10%	1.10%	60 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
60 Month Certificate ($50,000.00)	1.10%	1.10%	60 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
60 Month Certificate ($500.00)	1.10%	1.10%	60 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
3 Month Certificate ($10,000.00)	0.55%	0.55%	3 month
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
3 Month Certificate ($100,000.00+)	0.55%	0.55%	3 month
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
3 Month Certificate ($20,000.00)	0.55%	0.55%	3 month
Min Balance $20,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
3 Month Certificate ($50,000.00)	0.55%	0.55%	3 month
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
3 Month Certificate ($500.00)	0.55%	0.55%	3 month
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Savings Rates

Product	Rate	APY
Jump Start Youth Savings	3.45%	3.50%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $2,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Holiday Club	0.10%	0.10%
Min Balance $50 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Savings Share Advantage ($1,000.00)	0.01%	0.01%
Min Balance $1,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Savings Share Advantage ($10,000.00)	0.01%	0.01%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Savings Share Advantage ($100.00)	0.01%	0.01%
Min Balance $100 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Money Market Rates

Product	Rate	APY
Elite Money Market	2.36%	2.38%
Min Balance $750,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Elite Money Market	2.11%	2.13%
Min Balance $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Elite Money Market	1.49%	1.50%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Elite Money Market	0.75%	0.75%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($100,000.00)	0.10%	0.10%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($250,000.00)	0.10%	0.10%
Min Balance $250,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($50,000.00)	0.10%	0.10%
Min Balance $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($75,000.00)	0.10%	0.10%
Min Balance $75,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($10,000.00)	0.05%	0.05%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($40,000.00)	0.05%	0.05%
Min Balance $40,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Traditional Money Market ($500.00)	0.05%	0.05%
Min Balance $500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Checking Rates

Product	Rate	APY
Go Green Checking ($0.01)	1.49%	1.50%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Go Green Checking ($10,000.01)	0.05%	1.50%
Min Balance $10,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
High Interest Checking	1.49%	1.50%
Min Balance $1,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
50+ Interest Checking	0.25%	0.25%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Easy Interest Checking	0.25%	0.25%
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
High Interest Checking	0.05%	0.05%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Up To 100% CLTV Home Equity Loan - Fixed Rate	-	-	6.35%	Contact WCU for term
Details Term: Contact WCU for terms; APR Range: 6.35%-13.85% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Home Equity Line of Credit	-	-	6.75%	Contact WCU for term
Details Term: Contact WCU for terms; Variable Rate** Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos (Model Years 2020-2026) - Up to 42 Months	-	-	5.04%	Up to 42 Months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
New Autos (Model Years 2020-2026) - Up to 66 months	-	-	5.24%	Up to 66 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorcycles, Jet Skis & ATV Vehicles Loan	-	-	5.74%	Up to 42 Months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
New Autos (Model Years 2020-2026) - Up to 90 months	-	-	6.04%	Up to 90 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorcycles, Jet Skis & ATV Vehicles Loan	-	-	6.99%	Up to 78 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Pre-Owned Vehicles (Model Years 2017-2019) - Up to 90 months Loan	6.73%	-	8.78%	Up to 90 months
Details Payment Example (per $1000): $14.18 - $15.21 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Pre-Owned Vehicles (Model Years 2017-2019) - Up to 66 months Loan	5.83%	-	16.24%	Up to 66 months
Details Payment Example (per $1000): $17.75 - $23.01 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Pre-Owned Vehicles (Model Years 2017-2019) - Up to 42 Months Loan	5.23%	-	18.00%	Up to 42 Months
Details Payment Example (per $1000): $26.11 - $32.26 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles, Jet Skis & ATVs Loan	-	5.74%	Up to 42 Months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorcycles, Jet Skis & ATVs Loan	-	6.99%	Up to 78 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Boats Under 30 ft - Up to 56 Months Loan	-	8.75%	Up to 56 Months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Boats Under 30 ft Loan	-	8.75%	Up to 56 Months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers & Campers Loan	-	8.75%	Up to 56 Months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Boats Under 30 ft - Up to 120 months Loan	-	10.00%	Up to 120 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Boats Under 30 ft Loan	-	10.00%	Up to 120 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers & Campers Loan	-	10.50%	Up to 180 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers & Campers Loan	-	11.00%	Up to 180 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Boats Under 30 ft Loan	-	11.25%	Up to 120 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Boats Under 30 ft Loan	-	15.50%	Up to 56 Months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers & Campers Loan	-	15.50%	Up to 56 Months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorcycles, Jet Skis & ATVs Loan - Up to 42 Months	-	17.50%	Up to 42 Months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorcycles, Jet Skis & ATVs Loan - Up to 78 months	-	17.50%	Up to 78 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Rewards	-	12.40%
Details Intro rate for 6 months; Regular APR: 12.40% Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
VISA Platinum	-	14.90%
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Personal Loan Rates

Product	APR	Term
Lifestyle Loan/Signature Loan	9.99%	Up to 12 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Lifestyle Loan/Signature Loan	11.99%	Up to 72 months
No additional details. Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Lifestyle Loan/Signature Loan	12.99%	Up to 72 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Personal Line of Credit	13.25%	Revolving
Details Min. Loan Amount: $500; Max. Loan Amount: $50,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Lifestyle Loan/Signature Loan	18.00%	Up to 12 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Wauna Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Motorhome, Travel Trailers, Campers Loan	-	-	10.50%	Up to 180 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers, Campers Loan	-	-	11.00%	Up to 180 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers, Campers Loan	-	-	15.50%	Up to 56 Months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Motorhome, Travel Trailers, Campers Loan	-	-	8.75%	Up to 56 Months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Older Models (Model Years 2016 and older) Loan	-	-	10.00%	Up to 42 Months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Older Models (Model Years 2016 and older) Loan	-	-	11.20%	Up to 66 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Older Models (Model Years 2016 and older) Loan	-	-	12.65%	Up to 42 Months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Older Models (Model Years 2016 and older) Loan	-	-	13.75%	Up to 66 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Tractors and Horse Trailers (Maximum Loan Amount: - Up to 42 months	-	-	5.74%	Up to 42 months
Details $30,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Tractors and Horse Trailers (Maximum Loan Amount: - Up to 60 months	-	-	6.49%	Up to 60 months
Details $30,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Tractors and Horse Trailers Loan	-	-	17.24%	Up to 60 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Tractors and Horse Trailers Loan	-	-	17.50%	Up to 42 months
Details APR* (Max) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Tractors and Horse Trailers Loan	-	-	5.74%	Up to 42 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Tractors and Horse Trailers Loan	-	-	6.49%	Up to 60 months
Details APR* (Min) Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
11 Month Certificate Special: Checking (New Money)	3.20%	-	3.25%	11 Month
Min Balance $500 Details $500+; New Money Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
11 Month Certificate Special: Checking w/ eStatements	2.72%	-	2.75%	11 Month
Min Balance $500 Details $500+ Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Coverdell	0.25%	-	0.25%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA	0.85%	-	0.85%
Min Balance $25,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA ($0.00)	0.50%	-	0.50%
Min Balance $0 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA ($100,000.00)	1.10%	-	1.10%
Min Balance $100,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA ($125,000.00)	1.10%	-	1.10%
Min Balance $125,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA ($2,500.00)	0.50%	-	0.50%
Min Balance $2,500 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA ($5,000.00)	0.50%	-	0.50%
Min Balance $5,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%
Roth, Roth Conversion, Traditional & SEP IRA ($60,000.00)	1.10%	-	1.10%
Min Balance $60,000 Last Updated 09/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Wauna Federal Credit Union’s Texas Ratio rose from 6.22% in Q2 2023 to 7.86% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$400M	7.86%	5.0	A
December 31, 2025	$410M	8.01%	5.0	A
September 30, 2025	$408M	6.75%	5.0	A
June 30, 2025	$415M	8.28%	5.0	A
March 31, 2025	$420M	5.47%	5.0	A+
December 31, 2024	$430M	8.10%	5.0	A
September 30, 2024	$428M	8.79%	5.0	A
June 30, 2024	$430M	8.62%	5.0	A
March 31, 2024	$426M	8.24%	5.0	A
December 31, 2023	$429M	9.00%	5.0	A
September 30, 2023	$415M	7.21%	5.0	A
June 30, 2023	$411M	6.22%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Wauna Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Wauna Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Wauna Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wauna Federal Credit Union

Website https://www.waunafcu.org

Address 101 Truehaak St, Clatskanie, OR 97016-7454

Phone 503-728-4321

Fax 503-728-3042

President Beth Van Elswyk

CEO Robert Blumberg

Full-Time Employees 112

Part-Time Employees 4

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.86%

Return on Assets (ROA)

0.0829%

Return on Equity (ROE)

0.9224%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

400,073,827

Total Amount of Shares and Deposits

361,264,233

Total Shares and Deposits < 1 Year

359,209,298

Total Shares and Deposits 1 3 Years

1,753,152

Total Shares and Deposits > 3 Years

301,784

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

26,535,578

Total Uninsured Shares and Deposits > $250K (F+J)

26,535,578

Total Insured Shares and Deposits > $250K (item 17 less item K)

334,728,655

Total Interest Expense (Sum of items 6 8)

873,931

Share Certificates

1,555

Number of Accounts for Share Drafts

19,598

IRA KEOGH Accounts

629

Number of Accounts for Regular Shares

30,980

All other shares

441

Money Market Shares

1,172

Net Income (unless the amount is already included in Undivided Earnings)

331,783

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,488,326

Total Liabilities

369,001,595

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Wauna Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/wauna-federal-credit-union-rates-review-17990">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Wauna Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Wauna Federal Credit Union

Frequently Asked Questions About Wauna Federal Credit Union

How many branches does Wauna Federal Credit Union operate?

Wauna Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Wauna Federal Credit Union?

Yes, to access services at Wauna Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Wauna Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Wauna Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Wauna Federal Credit Union offer online and mobile banking?

Most modern institutions like Wauna Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.waunafcu.org.

Current Wauna Federal Credit Union Rates

12-Month CD2.75%
18-Month CD1.50%
24-Month CD1.35%
60-Month CD1.10%
Savings0.01%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Wauna Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wauna Federal Credit Union Texas Ratio

Wauna Federal Credit Union Health Trend

Wauna Federal Credit Union CD Rates

Wauna Federal Credit Union Savings Rates

Wauna Federal Credit Union Money Market Rates

Wauna Federal Credit Union Checking Rates

Wauna Federal Credit Union Home Equity & HELOC

Wauna Federal Credit Union Auto Loan Rates

Wauna Federal Credit Union RV, Boat and Powersport Loan Rates

Wauna Federal Credit Union Credit Card Rates

Wauna Federal Credit Union Personal Loan Rates

Wauna Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Wauna Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Wauna Federal Credit Union

How many branches does Wauna Federal Credit Union operate?

Is a member application needed to join Wauna Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wauna Federal Credit Union offer online and mobile banking?

Current Wauna Federal Credit Union Rates

Compare to Other Credit Unions