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Wauna Federal Credit Union

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Wauna Federal Credit Union Rates & Review October 2026

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

Current rates for Wauna Federal Credit Union include: 12-Month CD: 2.90%, 18-Month CD: 2.50%, 24-Month CD: 2.35%, 60-Month CD: 2.10%, Savings: 3.50%, MMA: 2.38%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 23, 2026

Wauna Federal Credit Union's 9 Month CD Special rates are at 3.60%, 6 Month CD rates are at 3.00%, 18 Month CD rates are at 2.50%, 24 Month CD rates are at 2.35%, 36 Month CD rates are at 2.25%. Wauna Federal Credit Union's savings rates are at 3.50%. Wauna Federal Credit Union's money market rates are at 2.38%. Wauna Federal Credit Union's checking rates are as high as 1.50%. Wauna Federal Credit Union's Personal Loan Rates are as low as 9.99%. Wauna Federal Credit Union's Credit Card Rates are at 12.65%. 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 6.12%. Rates last updated and verified on 10/23/2026.

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: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.12%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Wauna Federal Credit Union
Corporate

101 Truehaak St
Clatskanie, OR 97016-7454

https://www.waunafcu.org

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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.

Wauna Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Certificate Special	3.542%	3.60%	9 months
Min Balance $500 Details Balance: $500+; APY = Annual Percentage Yield Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Certificate	2.96%	3.00%	6 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Certificate	2.96%	3.00%	6 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Certificate	2.96%	3.00%	6 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Certificate	2.96%	3.00%	6 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
6 Month Certificate	2.96%	3.00%	6 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 9, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
18 Month Certificate	2.472%	2.50%	18 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50% Oct 9, 20262.50%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
18 Month Certificate	2.472%	2.50%	18 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50% Oct 9, 20262.50%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
18 Month Certificate	2.472%	2.50%	18 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50% Oct 9, 20262.50%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
18 Month Certificate	2.472%	2.50%	18 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50% Oct 9, 20262.50%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
18 Month Certificate	2.472%	2.50%	18 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50% Oct 9, 20262.50%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 Month Certificate	2.325%	2.35%	24 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.35% → 2.35% ▲ 1.00 pts · high 2.35% / low 1.35% Oct 9, 20262.35%▲ from 1.35% Sep 18, 20261.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 Month Certificate	2.325%	2.35%	24 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.35% → 2.35% ▲ 1.00 pts · high 2.35% / low 1.35% Oct 9, 20262.35%▲ from 1.35% Sep 18, 20261.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 Month Certificate	2.325%	2.35%	24 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.35% → 2.35% ▲ 1.00 pts · high 2.35% / low 1.35% Oct 9, 20262.35%▲ from 1.35% Sep 18, 20261.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 Month Certificate	2.325%	2.35%	24 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.35% → 2.35% ▲ 1.00 pts · high 2.35% / low 1.35% Oct 9, 20262.35%▲ from 1.35% Sep 18, 20261.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
24 Month Certificate	2.325%	2.35%	24 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.35% → 2.35% ▲ 1.00 pts · high 2.35% / low 1.35% Oct 9, 20262.35%▲ from 1.35% Sep 18, 20261.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 Month Certificate	2.227%	2.25%	36 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 2.25% ▲ 1.00 pts · high 2.25% / low 1.25% Oct 9, 20262.25%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 Month Certificate	2.227%	2.25%	36 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 2.25% ▲ 1.00 pts · high 2.25% / low 1.25% Oct 9, 20262.25%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 Month Certificate	2.227%	2.25%	36 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 2.25% ▲ 1.00 pts · high 2.25% / low 1.25% Oct 9, 20262.25%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 Month Certificate	2.227%	2.25%	36 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 2.25% ▲ 1.00 pts · high 2.25% / low 1.25% Oct 9, 20262.25%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
36 Month Certificate	2.227%	2.25%	36 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 2.25% ▲ 1.00 pts · high 2.25% / low 1.25% Oct 9, 20262.25%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
48 Month Certificate	2.08%	2.10%	48 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
48 Month Certificate	2.08%	2.10%	48 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
48 Month Certificate	2.08%	2.10%	48 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
48 Month Certificate	2.08%	2.10%	48 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
48 Month Certificate	2.08%	2.10%	48 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month Certificate	2.08%	2.10%	60 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month Certificate	2.08%	2.10%	60 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month Certificate	2.08%	2.10%	60 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month Certificate	2.08%	2.10%	60 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
60 Month Certificate	2.08%	2.10%	60 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History 1 change since Sep 18, 2026 · 1.10% → 2.10% ▲ 1.00 pts · high 2.10% / low 1.10% Oct 9, 20262.10%▲ from 1.10% Sep 18, 20261.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 Month Certificate	1.884%	1.90%	12 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 Month Certificate	1.884%	1.90%	12 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 Month Certificate	1.884%	1.90%	12 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 Month Certificate	1.884%	1.90%	12 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
12 Month Certificate	1.884%	1.90%	12 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Month Certificate	0.549%	0.55%	3 month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Month Certificate	0.549%	0.55%	3 month
Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Month Certificate	0.549%	0.55%	3 month
Min Balance $20,000 Details Balance: $20,000 - $49,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Month Certificate	0.549%	0.55%	3 month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
3 Month Certificate	0.549%	0.55%	3 month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Savings Rates

Product	Rate	APY
Jump Start Youth Savings	3.445%	3.50%
Min Balance $0 Details Balance: $0 - $1,000 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Health Savings Account (HSA)	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Holiday Club	0.10%	0.10%
Min Balance $50 Details Balance: $50.00 and over; APY = Annual Percentage Yield Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Savings / Share Advantage	0.01%	0.01%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Savings / Share Advantage	0.01%	0.01%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Savings / Share Advantage	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Money Market Rates

Product	Rate	APY
Elite + Money Market	2.355%	2.381%
Min Deposit $5,000 Min Balance $750,000 Details Balance: $750,000+; APY* footnote: Annual Percentage Yield; Minimum balance to earn dividends listed Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.38% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Elite + Money Market	2.106%	2.126%
Min Deposit $5,000 Min Balance $250,000 Details Balance: $250,000 - $749,999.99; APY* footnote: Annual Percentage Yield; Minimum balance to earn dividends listed Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.13% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Elite + Money Market	1.49%	1.50%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; APY* footnote: Annual Percentage Yield; Minimum balance to earn dividends listed Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Elite + Money Market	0.747%	0.75%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - $99,999.99; APY* footnote: Annual Percentage Yield; Minimum balance to earn dividends listed Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.10%	0.10%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.10%	0.10%
Min Balance $100,000 Details Balance: $100k - $249,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.10%	0.10%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $39,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Traditional Money Market	0.05%	0.05%
Min Balance $40,000 Details Balance: $40,000 - $49,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Checking Rates

Product	Rate	APY
Go Green Checking	1.49%	1.50%
Min Balance $0 Details Balance: $0.01 - $10,000.00; Qualifying balance up to $10,000.00 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
High Interest Checking	1.49%	1.50%
Min Balance $1,500 Details Balance: $1,500 and over Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
50+ Interest Checking	0.25%	0.25%
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Easy Interest Checking	0.25%	0.25%
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
High Interest Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $1,499.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Up To 100% CLTV Home Equity Loan - Fixed Rate	-	-	6.35%
Details Term: Contact WCU for terms; APR range: 6.35% - 13.85%; Fixed Rate; Maximum CLTV 100%; Home equity loan terms apply Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 6.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Home Equity Line of Credit - Variable Rate	-	-	7.00%
Details Variable Rate (Prime-based index plus margin); APR range 7.00% - 15.00%; Term: Contact WCU for terms Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.04%	Up to 42 Months
Details Model Years 2020-2026; APR (Min) 5.04% - APR (Max) 16.65% Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 5.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-Owned Vehicles - Up to 42 Months Loan	-	-	5.23%	Up to 42 Months
Details Model Years: 2017-2019; APR* (Max): 18.00% Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 5.23% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Auto Loan	-	-	5.24%	Up to 66 months
Details Model Years 2020-2026; APR (Min) 5.24% - APR (Max) 17.24% Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Motorcycles, Jet Skis & ATV Vehicles Loan	-	-	5.74%	Up to 42 Months
Details APR (Min) 5.74%; APR (Max) 17.50% Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 5.74% → 5.74% ▼ 0.00 pts · high 17.50% / low 5.74% Oct 9, 20265.74%▼ from 17.50% Sep 21, 202617.50%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-Owned Vehicles - Up to 66 Months Loan	-	-	5.83%	Up to 66 months
Details Model Years: 2017-2019; APR* (Max): 16.24% Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 5.83% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
New Auto Loan	-	-	6.04%	Up to 90 months
Details Model Years 2020-2026; APR (Min) 6.04% - APR (Max) 7.84% Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Pre-Owned Vehicles - Up to 90 Months Loan	-	-	6.73%	Up to 90 months
Details Model Years: 2017-2019; APR* (Max): 8.78% Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Motorcycles, Jet Skis & ATV Vehicles Loan	-	-	6.99%	Up to 78 months
Details APR (Min) 6.99%; APR (Max) 17.50% Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 6.99% → 6.99% ▼ 0.00 pts · high 17.50% / low 6.99% Oct 9, 20266.99%▼ from 17.50% Sep 21, 202617.50%▲ from 6.99% Sep 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Older Models (Model Years 2016 and older) Auto Loan	-	-	10.00%	Up to 42 Months
Details APR range 10.00% - 12.65%; Model Years 2016 and older Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Older Models (Model Years 2016 and older) Auto Loan	-	-	11.20%	Up to 66 months
Details APR range 11.20% - 13.75%; Model Years 2016 and older Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 11.20% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Under 30 ft Loan	-	8.75%	Up to 56 Months
Details APR range: 8.75% (Min) - 15.50% (Max) Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Motorhome, Travel Trailers, Campers Loan	-	8.75%	Up to 56 Months
Details APR (Max): 15.50% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Boats Under 30 ft Loan	-	10.00%	Up to 120 months
Details APR range: 10.00% (Min) - 11.25% (Max) Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Motorhome, Travel Trailers, Campers Loan	-	10.50%	Up to 180 months
Details APR (Max): 11.00% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Rewards	-	12.65%
Details Intro/promo APR: 2.99%; Intro rate expires: 6 months; Regular APR: 12.65% Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Sep 29, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
VISA Platinum	-	14.90%
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Personal Loan Rates

Product	APR	Term
Lifestyle Loan/Signature Loan	9.99%	Up to 12 months
Details APR* (Max): 18.00% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Lifestyle Loan/Signature Loan	11.99%	Up to 72 months
Details APR* (Max): 12.99% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Personal Line of Credit	13.25%	Revolving
Details Min. Loan Amount: $500; Max. Loan Amount: $50,000; APR range max not listed (-) Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

Wauna Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Tractors and Horse Trailers - Up to 42 months Loan	-	-	5.74%	Up to 42 months
Details APR max: 17.50%; Payment Example (per $1000): $26.34 - $32.01; Maximum Loan Amount: $30,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Tractors and Horse Trailers - Up to 60 months Loan	-	-	6.49%	Up to 60 months
Details APR max: 17.24%; Payment Example (per $1000): $19.56 - $24.98; Maximum Loan Amount: $30,000 Last Updated 10/23/2026 Rate History No change since Oct 15, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Tractors and Horse Trailers Loan	-	-	5.74%	Up to 42 months
Details As Low As; APR range 5.74% - 17.50%; Maximum Loan Amount: $30,000 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Tractors and Horse Trailers Loan	-	-	6.49%	Up to 60 months
Details As Low As; APR range 6.49% - 17.24%; Maximum Loan Amount: $30,000 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
11 Month Certificate Special Checking (New Money)	3.348%	-	3.40%	11 months
Min Balance $500 Details Balance: $500+; New money; Must be an owner on a Wauna Credit Union checking account to earn the higher APY Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 9, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
11 Month Certificate Special Checking w/ eStatements	2.862%	-	2.90%	11 months
Min Balance $500 Details Balance: $500+; Must be an owner on a Wauna Credit Union checking account with eStatement enrollment to earn the higher APY Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 2.90% ▲ 0.15 pts · high 2.90% / low 2.75% Oct 9, 20262.90%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Coverdell	0.25%	-	0.25%
Min Balance $0 Details Balance: $0.01+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	0.50%	-	0.501%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	0.50%	-	0.501%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	0.50%	-	0.501%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	0.847%	-	0.85%
Min Balance $25,000 Details Balance: $25,000 - $59,999.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	1.096%	-	1.10%
Min Balance $60,000 Details Balance: $60,000 - $99,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	1.096%	-	1.10%
Min Balance $100,000 Details Balance: $100,000 - $124,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%
Roth, Roth Conversion, Traditional & SEP IRA	1.096%	-	1.10%
Min Balance $125,000 Details Balance: $125,000+ Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.12%

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 fell from 7.21% in Q3 2023 to 6.12% in Q2 2026, so its financial health has improved 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
June 30, 2026	$398M	6.12%	5.0	A
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

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 108

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 (97/100)

Texas Ratio

6.12%

Return on Assets (ROA)

0.2265%

Return on Equity (ROE)

2.4684%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

398,248,404

Total Amount of Shares and Deposits

359,300,358

Total Shares and Deposits < 1 Year

357,945,785

Total Shares and Deposits 1 3 Years

1,210,136

Total Shares and Deposits > 3 Years

144,435

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

27,806,771

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

27,806,771

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

331,493,587

Total Interest Expense (Sum of items 6 8)

1,705,104

Share Certificates

1,460

Number of Accounts for Share Drafts

19,373

IRA KEOGH Accounts

626

Number of Accounts for Regular Shares

30,105

All other shares

445

Money Market Shares

1,145

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

901,966

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)

5,297,514

Total Liabilities

366,527,640

Source: NCUA — Last Updated 06/30/2026

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.

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       width="160" height="160">
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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.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Wauna Federal Credit Union

Frequently Asked Questions About Wauna Federal Credit Union

Does Wauna Federal Credit Union offer CDs?

Yes. Wauna Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 23, 2026 include 3.60% APY on its 9 Month CD Special, 3.00% APY on its 6 Month CD and 2.50% APY on its 18 Month CD.

Are CDs from Wauna Federal Credit Union NCUA insured?

Yes. Wauna Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Wauna Federal Credit Union?

The highest CD rate MonitorBankRates has verified for Wauna Federal Credit Union is 3.60% APY on its 9 Month CD Special, as of October 23, 2026.

What CD terms does Wauna Federal Credit Union offer?

The Wauna Federal Credit Union CD terms MonitorBankRates tracks include 6 month, 9 month, 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 2.25% to 3.60% APY. The institution may offer other terms or specials that are not listed here, so check with Wauna Federal Credit Union for its full lineup.

What is the highest savings rate at Wauna Federal Credit Union?

The highest savings rate MonitorBankRates has verified for Wauna Federal Credit Union is 3.50% APY on its Jump Start Youth Savings, as of October 23, 2026.

What is the highest money market rate at Wauna Federal Credit Union?

The highest money market rate MonitorBankRates has verified for Wauna Federal Credit Union is 2.381% APY on its Elite + Money Market, as of October 23, 2026.

What is the highest checking rate at Wauna Federal Credit Union?

The highest checking rate MonitorBankRates has verified for Wauna Federal Credit Union is 1.50% APY on its Go Green Checking, as of October 23, 2026.

What is the lowest auto loan rate at Wauna Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Wauna Federal Credit Union is 5.04% APR on its New Auto Loan, as of October 23, 2026.

What is the lowest personal loan rate at Wauna Federal Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Wauna Federal Credit Union is 9.99% APR on its Lifestyle Loan/Signature Loan, as of October 23, 2026.

What is the lowest credit card APR at Wauna Federal Credit Union?

The lowest credit card rate MonitorBankRates has verified for Wauna Federal Credit Union is 12.65% APR on its VISA Rewards Credit Card, as of October 23, 2026.

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.

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 Wauna Federal Credit Union rates compare?

Wauna Federal Credit Union's top rates are 3.60% APY on its 9 Month CD Special, 3.50% APY on its Jump Start Youth Savings, 2.381% APY on its Elite + Money Market, 1.50% APY on its Go Green Checking, 9.99% APR on its Lifestyle Loan/Signature Loan and 12.65% APR on its VISA Rewards Credit Card, verified by MonitorBankRates on October 23, 2026.

Current Wauna Federal Credit Union Rates

12-Month CD2.90%
18-Month CD2.50%
24-Month CD2.35%
60-Month CD2.10%
Savings3.50%
MMA2.38%

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

Compare to Other Credit Unions

Wauna Federal Credit Union Rates & Review October 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

Does Wauna Federal Credit Union offer CDs?

Are CDs from Wauna Federal Credit Union NCUA insured?

What is the highest CD rate at Wauna Federal Credit Union?

What CD terms does Wauna Federal Credit Union offer?

What is the highest savings rate at Wauna Federal Credit Union?

What is the highest money market rate at Wauna Federal Credit Union?

What is the highest checking rate at Wauna Federal Credit Union?

What is the lowest auto loan rate at Wauna Federal Credit Union?

What is the lowest personal loan rate at Wauna Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Wauna Federal Credit Union rates compare?

Current Wauna Federal Credit Union Rates

Compare to Other Credit Unions