What are the current interest rates at White Rose Credit Union?

Current rates for White Rose Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 2.50%, 24-Month CD: 2.50%, 60-Month CD: 2.75%, MMA: 0.75%

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White Rose Credit Union

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White Rose Credit Union Rates & Review June 2026

Q: How many branches does White Rose Credit Union operate?

White Rose 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.

Q: Is a member application needed to join White Rose Credit Union?

Yes, to access services at White Rose 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, White Rose 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: June 11, 2026

White Rose Credit Union's 6 Month IRA CD rates are at 3.35%, 6 Month CD rates are at 3.35%, 12 Month IRA CD rates are at 3.25%, 12 Month CD rates are at 3.25%, 60 Month IRA CD rates are at 2.75%. White Rose Credit Union's money market rates are at 0.75%. White Rose Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of White Rose Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.04%. Rates were last updated on 06/11/2026.

White Rose 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 White Rose Credit Union? Share your experience about White Rose Credit Union by leaving a review below, or read customer reviews before you decide to use White Rose Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.04%

Excellent Lower than avg

White Rose Credit Union
Corporate Office

3498 Industrial Hwy
York, PA 17402 9050

https://whiterosecu.com

White Rose Credit Union CD Rates

Product	Rate	APY
6 Month IRA Certificate	3.30%	3.35%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
6 Month Share Certificate	3.30%	3.35%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
12 Month IRA Certificate	3.20%	3.25%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
12 Month Share Certificate	3.20%	3.25%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
60 Month IRA Certificate	2.72%	2.75%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
60 Month Share Certificate	2.72%	2.75%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
18 Month IRA Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
18 Month Share Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
24 Month IRA Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
24 Month Share Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
30 Month IRA Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
30 Month Share Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
36 Month IRA Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
36 Month Share Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
48 Month IRA Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
48 Month Share Certificate	2.47%	2.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
3 Month IRA Certificate	1.49%	1.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
3 Month Share Certificate	1.49%	1.50%
Min Deposit $500 Details The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

White Rose Credit Union Savings Rates

Product	Rate	APY
Christmas Club (Noel)	0.15%	0.15%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Tax Club	0.15%	0.15%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Vacation Club (Breakaway)	0.15%	0.15%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Regular Share Accounts	0.10%	0.10%
Min Balance $50 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Regular Share Accounts	-	0.00%
Min Balance $0 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

White Rose Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	1.49%	1.50%
Min Balance $100,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Accounts	1.24%	1.25%
Min Balance $25,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Accounts	1.00%	1.00%
Min Balance $10,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Money Market Accounts	0.75%	0.75%
Min Balance $1,000 Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

White Rose Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	5.49%	60 months
Details Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Home Equity Loans	-	-	5.74%	60 months
Details Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Home Equity Loans	-	-	6.24%	120 months
Details Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Home Equity Loans	-	-	6.49%	180 months
Details Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Home Equity Loans	-	-	6.74%	120 months
Details Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Home Equity Loans	-	-	6.99%	180 months
Details Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 80%, and the payment automatically deducted from a White Rose Credit Union deposit account. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

White Rose Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.99%	48 Months
Details Model Year 2025 - 2026*. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Auto Loans	-	-	5.24%	72 Months
Details Model Year 2025 - 2026*. 72 months - Selling price must be $15,000 or greater. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Auto Loans	-	-	5.49%	72 Months
Details Model Year 2021 - 2025. 72 months - Must be 40,000 miles or less & $15,000 or greater. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Auto Loans	-	-	6.24%	84 Months
Details Model Year 2025 - 2026*. 84 months - Selling price must be $20,000 or greater. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Auto Loans	-	-	6.99%	72 Months
Details Model Year 2016 - 2020. 72 months - Must be 40,000 miles or less & $15,000 or greater. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Auto Loans	-	-	8.99%	48 Months
Details Model Year 2011 - 2015. All rates are based on "A+" credit and requires autopay. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

White Rose Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic Introductory Rate	-	5.99%
Details Introductory Rate. Regular APR: 12.99%. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Visa Platinum	-	8.99%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%
Visa Classic	-	12.99%
No additional details. Last Updated 06/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.04%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for White Rose 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 White Rose 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 White Rose Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name White Rose Credit Union

Website https://whiterosecu.com

Address 3498 Industrial Hwy, York, PA 17402 9050

Phone 717-755-9773

Fax 717-840-9452

President James Sanford

CEO Bryan Smith

Full-Time Employees 37

Part-Time Employees 3

Branch Locations 5

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.04%

Return on Assets (ROA)

0.2942%

Return on Equity (ROE)

3.4569%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

114,881,156

Total Amount of Shares and Deposits

104,555,203

Total Shares and Deposits < 1 Year

90,153,089

Total Shares and Deposits 1 3 Years

12,687,924

Total Shares and Deposits > 3 Years

1,714,190

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

1,927,093

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

1,927,093

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

102,628,110

Total Interest Expense (Sum of items 6 8)

627,527

Share Certificates

914

Number of Accounts for Share Drafts

5,854

IRA KEOGH Accounts

435

Number of Accounts for Regular Shares

11,525

All other shares

1,297

Money Market Shares

108

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

337,955

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,290,754

Total Liabilities

105,135,240

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About White Rose Credit Union

How many branches does White Rose Credit Union operate?

White Rose 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 White Rose Credit Union?

Yes, to access services at White Rose 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, White Rose 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, White Rose Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does White Rose Credit Union offer online and mobile banking?

Most modern institutions like White Rose 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://whiterosecu.com.