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iAdvertiser Disclosure
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 Westerly Community Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 8, 2026
Westerly Community Credit Union's 8 Month CD/IRA Special rates are at 3.45%, 8 Month CD/IRA Special (Limited Time Offer) rates are at 3.45%, 11 Month CD/IRA Special (Limited Time Offer) rates are at 3.35%, CDs of Deposit 18 month rates are at 3.35%, IRA CDs 18 month rates are at 3.35%. Westerly Community Credit Union's savings rates are at 0.10%. Westerly Community Credit Union's money market rates are at 1.00%. Westerly Community Credit Union's Fixed Rate Mortgages rates are at 5.88%, Fixed Rate Mortgages rates are at 6.00%, Fixed Rate Mortgages rates are at 6.12%, 5/1 Mortgage rates are at 5.62%, 7/1 Mortgage rates are at 5.88%. Westerly Community Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Westerly Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.26%. Rates were last updated on 04/08/2026. Westerly Community 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 Westerly Community Credit Union? Share your experience about Westerly Community Credit Union by leaving a review below, or read customer reviews before you decide to use Westerly Community Credit Union. Westerly Community Credit Union
Wakefield Branch and Operation Center 4979 Tower Hill Rd
https://www.westerlyccu.com Wakefield, RI 02879 2283 
Westerly Community Credit Union CD Rates
Westerly Community Credit Union Savings Rates
Westerly Community Credit Union Money Market Rates
Westerly Community Credit Union Checking Rates
Westerly Community Credit Union Mortgage Rates
Westerly Community Credit Union Auto Loan Rates
Westerly Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Westerly Community 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 Westerly Community 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 Westerly Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Westerly Community Credit Union
Website
https://www.westerlyccu.com
Address
4979 Tower Hill Rd,
Wakefield, RI 02879 2283
Phone
401-596-7000
Fax
President
Pete Stefanski
CEO
Stephen White
Full-Time Employees
79
Part-Time Employees
0
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.26%
Return on Assets (ROA)
0.5780%
Return on Equity (ROE)
6.3558%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
502,961,393
Total Amount of Shares and Deposits
443,559,125
Total Shares and Deposits < 1 Year
428,964,276
Total Shares and Deposits 1 3 Years
14,071,654
Total Shares and Deposits > 3 Years
523,195
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,574,356
Total Uninsured Shares and Deposits > $250K (F+J)
28,574,356
Total Insured Shares and Deposits > $250K (item 17 less item K)
414,984,769
Total Interest Expense (Sum of items 6 8)
6,634,012
Share Certificates
2,441
Number of Accounts for Share Drafts
16,151
IRA KEOGH Accounts
558
Number of Accounts for Regular Shares
17,679
All other shares
841
Non Member Deposits
13
Money Market Shares
498
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,923,809
Total Liabilities
460,207,883
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Westerly Community Credit UnionIs Westerly Community Credit Union a safe place to deposit money?Yes, Westerly Community Credit Union is considered a safe financial institution. With a Texas Ratio of 1.2581469744669%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Westerly Community Credit Union operate?Westerly Community 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 Westerly Community Credit Union?Yes, to access services at Westerly Community 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, Westerly Community 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, Westerly Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Westerly Community Credit Union offer online and mobile banking?Most modern institutions like Westerly Community 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.westerlyccu.com. Current Westerly Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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