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 Walker County Educators Federal Credit Union Rates & Review October 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.
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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 and Verified: October 23, 2026
Walker County Educators Federal Credit Union's Personal Loan Rates are as low as 9.24%. MonitorBankRates evaluates the financial stability of Walker County Educators Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.06%. Rates last updated and verified on 10/23/2026. Walker County Educators 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 Walker County Educators Federal Credit Union? Share your experience about Walker County Educators Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Walker County Educators Federal Credit Union. Walker County Educators Federal Credit Union
Walker County Educators FCU - Chickamauga Office 925 Osburn Rd
https://www.walkercountyeducatorsfcu.com/ Chickamauga, GA 30707  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Walker County Educators Federal Credit Union Home Equity & HELOC
Walker County Educators Federal Credit Union Auto Loan Rates
Walker County Educators Federal Credit Union Personal Loan Rates
Financial Health HistoryWalker County Educators Federal Credit Union’s Texas Ratio stayed near 0.02% in Q3 2023 to 0.06% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Walker County Educators 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 Walker County Educators 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 Walker County Educators Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Walker County Educators Federal Credit Union
Address
925 Osburn Rd,
Chickamauga, GA 30707
Phone
706-375-4243
Fax
706-375-4244
President
William James
CEO
Crystal Underwood
Full-Time Employees
3
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.06%
Return on Assets (ROA)
0.3289%
Return on Equity (ROE)
1.3267%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
15,139,253
Total Amount of Shares and Deposits
11,383,044
Total Shares and Deposits < 1 Year
11,297,619
Total Shares and Deposits 1 3 Years
85,425
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
140,663
Total Uninsured Shares and Deposits > $250K (F+J)
140,663
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,242,381
Total Interest Expense (Sum of items 6 8)
85,962
Share Certificates
127
Number of Accounts for Regular Shares
1,732
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)
423,498
Total Liabilities
11,386,682
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Walker County Educators Federal Credit UnionWhat is the lowest auto loan rate at Walker County Educators Federal Credit Union?The lowest auto loan rate MonitorBankRates has verified for Walker County Educators Federal Credit Union is 3.90% APR on its Auto Loan, as of October 23, 2026. What is the lowest personal loan rate at Walker County Educators Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Walker County Educators Federal Credit Union is 9.24% APR on its Signature Loan, as of October 23, 2026. How many branches does Walker County Educators Federal Credit Union operate?Walker County Educators 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 Walker County Educators Federal Credit Union?Yes, to access services at Walker County Educators 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, Walker County Educators 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, Walker County Educators Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Walker County Educators Federal Credit Union offer online and mobile banking?Most modern institutions like Walker County Educators 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.walkercountyeducatorsfcu.com/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Walker County Educators Federal Credit Union rates compare?Walker County Educators Federal Credit Union's top rate is personal loans from 9.24% APR, verified by MonitorBankRates on October 23, 2026. To compare Walker County Educators Federal Credit Union with the top rates nationwide, see our best CD rates and best personal loan rates, updated daily from banks and credit unions across the country. Compare to Other Credit Unions
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