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Waypoint Credit Union

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Waypoint Credit Union Rates & Review October 2026

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

Current rates for Waypoint Credit Union include: 12-Month CD: 0.60%, 24-Month CD: 0.75%, 60-Month CD: 1.25%, Savings: 0.25%, MMA: 3.50%

Q: What CD terms does Waypoint Credit Union offer?

Waypoint Credit Union CD rates are 4.30% APY for a 10 month CD, 0.60% APY for a 12 month CD, 4.30% APY for a 15 month CD, 4.30% APY for a 20 month CD, 0.75% APY for a 2 year CD and 1.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Waypoint Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Waypoint Credit Union's 10-, 15-, 20-month CD rates are at 4.30%, Special 10 Month CD rates are at 4.30%, Special 15 Month CD rates are at 4.30%, Special 20 Month CD rates are at 4.30%, CD - 5 Year rates are at 1.25%. Waypoint Credit Union's savings rates are at 0.25%. Waypoint Credit Union's money market rates are at 3.50%. Waypoint Credit Union's checking rates are as high as 3.50%. Waypoint Credit Union's Smart Refi Mortgage rates are at 6.38%, 15 Year Fixed Conventional rates are at 6.50%, 20 Year Fixed Conventional rates are at 7.00%, 30 Year Fixed Conventional rates are at 7.25%. Waypoint Credit Union's Personal Loan Rates are as low as 9.49%. Waypoint Credit Union's CD rates are 60% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Waypoint Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.59%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Waypoint Credit Union
Salem Turnpike

202 Salem Tpke
Norwich, CT 06360

https://www.coreplus.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.

Waypoint Credit Union CD Rates

Product	Rate	APY	Term
10-, 15-, 20-month Share Certificate	-	4.30%	10-, 15-, 20-month
Min Balance $1,000 Details As high as; special rate valid on the special 10-, 15-, 20-month Share Certificate for new and/or existing money; minimum balance for special rates $1000, maximum $100,000; effective September 28 - October 16, 2026; one special share certificate per social security number Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Special 10 Month Share Certificate	4.22%	4.30%	10 Month
Min Deposit $1,000 Min Balance $1,000 Details Special rate valid for new and/or existing money; minimum balance $1000, maximum $100,000; special rates effective September 28 - October 16, 2026; limited to one special share certificate per social security number; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Special 15 Month Share Certificate	4.22%	4.30%	15 Month
Min Deposit $1,000 Min Balance $1,000 Details Special rate valid for new and/or existing money; minimum balance $1000, maximum $100,000; special rates effective September 28 - October 16, 2026; limited to one special share certificate per social security number; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Special 20 Month Share Certificate	4.22%	4.30%	20 Month
Min Deposit $1,000 Min Balance $1,000 Details Special rate valid for new and/or existing money; minimum balance $1000, maximum $100,000; special rates effective September 28 - October 16, 2026; limited to one special share certificate per social security number; early withdrawal penalty may apply Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 5 Year	1.24%	1.25%	5 Year
Min Deposit $1,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 4 Year	0.99%	1.00%	4 Year
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 3 Year	0.85%	0.85%	3 Year
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 2 Year	0.75%	0.75%	2 Year
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 1 Year	0.60%	0.60%	1 Year
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 6 Month	0.30%	0.30%	6 Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Certificate - 3 Month	0.10%	0.10%	3 Month
Min Deposit $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Savings Rates

Product	Rate	APY
Youth Super Saver	-	4.00%
Details Rate applies to the first $10,000 on deposit Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00% Oct 23, 20264.00%▲ from 3.00% Sep 25, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Health Savings	-	0.25%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
IRA Share	-	0.10%
Min Balance $50 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Club	-	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Share Savings	-	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Money Market Rates

Product	Rate	APY
Nonprofit Money Market	-	3.50%
Min Balance $100,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Nonprofit Money Market	-	3.00%
Min Balance $10,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Nonprofit Money Market: Tier 1	-	0.30%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market	-	0.20%
Min Balance $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market	-	0.15%
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Market	-	0.10%
Min Balance $2,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	-	3.50%
Details As high as; rate applies to balances up to $15,000 when certain criteria are met Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Cash: Qualified, below cap Checking	-	3.50%
Details Qualified; rate applies to balances up to $15,000 when certain criteria are met Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Cash: Qualified, over cap Checking	-	0.30%
Min Balance $10,000 Details Qualified; balance over $15,000 cap per page footnote Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Cash: Non-qualified Checking	-	0.05%
Details Non-qualified Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Smart Refi Mortgage	6.375%	-	6.403%	180 Months
Details As Low As; Monthly P&I: $2,593.52 Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 5.78% → 6.40% ▲ 0.63 pts · high 6.40% / low 5.78% Oct 8, 20266.40%▲ from 6.13% Oct 2, 20266.13%▼ from 6.15% Sep 25, 20266.15%▲ from 5.78% Sep 16, 20265.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
15 Year Fixed Conventional	6.50%	-	6.599%	15 Year
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart Refi Mortgage	6.75%	-	6.774%	240 Months
Details As Low As; Monthly P&I: $2,281.97 Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 6.27% → 6.77% ▲ 0.50 pts · high 6.77% / low 6.27% Oct 8, 20266.77%▲ from 6.38% Oct 2, 20266.38%▼ from 6.40% Sep 25, 20266.40%▲ from 6.27% Sep 16, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
20 Year Fixed Conventional	7.00%	-	7.081%	20 Year
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.08% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
30 Year Fixed Conventional	7.25%	-	7.313%	30 Year
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.31% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	5.74%	-	5.74%	60 months
Details As Low As; Maximum Term (Months): 60 Last Updated 10/28/2026 Rate History No change since Oct 2, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Fixed Rate Home Equity Loan	-	-	5.74%
Details As Low As; no origination fee; first or second lien; maximum loan amount $250,000; 1.00% rate increase for non-refinance purposes or LTV over 70% or credit score under 700 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 5.85% → 5.74% ▼ 0.11 pts · high 5.85% / low 5.74% Oct 2, 20265.74%▼ from 5.85% Sep 25, 20265.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Fixed Rate Home Equity	5.99%	-	5.99%	84 months
Details As Low As; Maximum Term (Months): 84 Last Updated 10/28/2026 Rate History 1 change since Oct 2, 2026 · 5.80% → 5.99% ▲ 0.19 pts · high 5.99% / low 5.80% Oct 8, 20265.99%▲ from 5.80% Oct 2, 20265.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Fixed Rate Home Equity	6.25%	-	6.25%	120 months
Details As Low As; Maximum Term (Months): 120 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99% Oct 8, 20266.25%▲ from 5.99% Sep 16, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Equity Smart HELOC	-	-	6.25%
Details As Low As; introductory fixed rate for first 12 months, then variable; margin as low as prime -.50%, floor 4.00%, ceiling 18%; 10-year draw period and 15-year repayment period; no origination fee; minimum draw at closing $15,000; maximum loan amount $250,000 Last Updated 10/28/2026 Rate History 1 change since Oct 2, 2026 · 4.99% → 6.25% ▲ 1.26 pts · high 6.25% / low 4.99% Oct 15, 20266.25%▲ from 4.99% Oct 2, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart HELOC (12-month introductory rate)	6.25%	-	6.25%
Details As Low As; 12-month introductory rate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
HELOC	6.50%	-	6.50%
Details As Low As Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Equity HELOC	-	-	6.50%
Details As Low As; variable rate for life of loan; margin as low as prime -.50%, floor 4.00%, ceiling 18%; 10-year draw period and 15-year repayment period; maximum loan amount $250,000; no origination fee Last Updated 10/28/2026 Rate History No change since Oct 2, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Fixed Rate Home Equity	6.99%	-	6.99%	240 months
Details As Low As; Maximum Term (Months): 240 Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 6.50% → 6.99% ▲ 0.49 pts · high 6.99% / low 4.99% Oct 8, 20266.99%▲ from 4.99% Sep 25, 20264.99%▼ from 6.50% Sep 16, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.49%	Up to 66 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Auto Loan	-	-	5.99%	Up to 66 months
Details As Low As; Model Year: 2022 to 2024 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 23, 20265.99%▲ from 5.74% Oct 4, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Auto Loan	-	-	6.49%	Up to 66 months
Details As Low As; Model Year: 2019 to 2021 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 23, 20266.49%▲ from 6.24% Oct 4, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Auto Loan	-	-	7.49%	Up to 66 months
Details As Low As; Model Year: 2015 to 2018 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 23, 20267.49%▲ from 7.24% Oct 4, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Auto Loan	-	-	8.49%	Up to 66 months
Details As Low As; Model Year: 2011 to 2014 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Oct 4, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & Powersport Loan	-	7.49%	Up to 66 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Motorcycle & Powersport Loan	-	7.99%	Up to 66 months
Details As Low As; Model Year: 2022 to 2024 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 7.74% → 7.99% ▲ 0.25 pts · high 7.99% / low 7.74% Oct 23, 20267.99%▲ from 7.74% Oct 4, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
RV & Camper Loan	-	7.99%	Up to 72 months
Details As Low As; Model Year: 2025 & Newer Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
RV, Boat & Camper Loan	-	7.99%
Details As Low As; APR may differ based on credit history, collateral year, term, and loan to value Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Motorcycle & Powersport Loan	-	8.49%	Up to 66 months
Details As Low As; Model Year: 2019 to 2021 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Oct 4, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
RV & Camper Loan	-	8.49%	Up to 72 months
Details As Low As; Model Year: 2022 to 2024 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 23, 20268.49%▲ from 8.24% Oct 4, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
RV & Camper Loan	-	8.99%	Up to 72 months
Details As Low As; Model Year: 2019 to 2021 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 23, 20268.99%▲ from 8.74% Oct 4, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Motorcycle & Powersport Loan	-	9.49%	Up to 66 months
Details As Low As; Model Year: 2015 to 2018 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 9.24% → 9.49% ▲ 0.25 pts · high 9.49% / low 9.24% Oct 23, 20269.49%▲ from 9.24% Oct 4, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
RV & Camper Loan	-	9.99%	Up to 72 months
Details As Low As; Model Year: 2015 to 2018 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 9.74% → 9.99% ▲ 0.25 pts · high 9.99% / low 9.74% Oct 23, 20269.99%▲ from 9.74% Oct 4, 20269.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Motorcycle & Powersport Loan	-	10.49%	Up to 66 months
Details As Low As; Model Year: 2011 to 2014 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 10.24% → 10.49% ▲ 0.25 pts · high 10.49% / low 10.24% Oct 23, 202610.49%▲ from 10.24% Oct 4, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
RV & Camper Loan	-	10.99%	Up to 72 months
Details As Low As; Model Year: 2011 to 2014 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 10.74% → 10.99% ▲ 0.25 pts · high 10.99% / low 10.74% Oct 23, 202610.99%▲ from 10.74% Oct 4, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.49%	Up to 12 months
Details As Low As; Maximum Amount: $25,000 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 7.99% → 9.49% ▲ 1.50 pts · high 9.49% / low 7.99% Oct 23, 20269.49%▲ from 7.99% Oct 4, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Personal Loan	9.74%	Up to 24 months
Details As Low As; Maximum Amount: $25,000 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 7.99% → 9.74% ▲ 1.75 pts · high 9.74% / low 7.99% Oct 23, 20269.74%▲ from 7.99% Oct 4, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Personal Loan	9.99%	Up to 36 months
Details As Low As; Maximum Amount: $25,000 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.24% → 9.99% ▲ 1.75 pts · high 9.99% / low 8.24% Oct 23, 20269.99%▲ from 8.24% Oct 4, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Personal Loan	10.24%	Up to 48 months
Details As Low As; Maximum Amount: $25,000 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.24% → 10.24% ▲ 2.00 pts · high 10.24% / low 8.24% Oct 23, 202610.24%▲ from 8.24% Oct 4, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Personal Loan	10.49%	Up to 60 months
Details As Low As; Maximum Amount: $25,000 Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 8.49% → 10.49% ▲ 2.00 pts · high 10.49% / low 8.49% Oct 23, 202610.49%▲ from 8.49% Oct 4, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

Waypoint Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	7.99%	Up to 12 months
Details As Low As; Maximum Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Credit Builder Loan	-	-	8.49%	Up to 24 months
Details As Low As; Maximum Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Credit Builder Loan	-	-	8.99%	Up to 36 months
Details As Low As; Maximum Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Improvement Loan	-	-	7.99%	Up to 60 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Improvement Loan	-	-	8.49%	Up to 84 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Improvement Loan	-	-	8.99%	Up to 120 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Improvement Loan	-	-	9.49%	Up to 144 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Home Improvement Loan	-	-	9.99%	Up to 180 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Land Loans	7.00%	-	7.258%	60 to 240 months
Details As Low As; Rate range 7.00% to 9.00%; APR range 7.258% to 9.091% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Mashantucket Pequot Tribal Nation Loan	-	-	17.95%	Up to 12 months
Details As Low As; Maximum Amount: $2,500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 17.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Money Line of Credit	-	-	9.49%	Open end
Details As Low As; Maximum Amount: $15,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Rapid Cash Short Term Loan	-	-	28.00%	Up to 12 months
Details As Low As; Maximum Amount: $2,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 28.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart E-Loan	-	-	6.99%
Details As Low As; APR may differ based on credit history, term, and other factors Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart E-Loan (CT Green Bank)	-	-	6.99%	Up to 60 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart E-Loan (CT Green Bank)	-	-	6.99%	Up to 84 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart E-Loan (CT Green Bank)	-	-	6.99%	Up to 120 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart E-Loan (CT Green Bank)	-	-	7.49%	Up to 144 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Smart E-Loan (CT Green Bank)	-	-	7.99%	Up to 180 months
Details As Low As; Maximum Amount: $50,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Check 24	-	-	3.00%
Details Rate applies to the first $2,500 on deposit Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Saver Savings	-	-	3.00%
Details As high as; rate applies to balances up to $50,000 when certain criteria are met Last Updated 10/28/2026 Rate History 1 change since Oct 4, 2026 · 0.05% → 3.00% ▲ 2.95 pts · high 3.00% / low 0.05% Oct 8, 20263.00%▲ from 0.05% Oct 4, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Saver: Non-qualified Savings	-	-	0.05%
Details Non-qualified Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Saver: Qualified, below cap Savings	-	-	3.00%
Details Qualified; rate applies to balances up to $50,000 when certain criteria are met Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%
Kasasa Saver: Qualified, over cap Savings	-	-	1.50%
Min Balance $50,000 Details Qualified; balance over $50,000 cap Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.59%

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

Waypoint Credit Union’s Texas Ratio rose from 2.08% in Q3 2023 to 2.59% 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

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	$676M	2.59%	5.0	A+
March 31, 2026	$671M	2.03%	5.0	A+
December 31, 2025	$674M	2.10%	5.0	A+
September 30, 2025	$348M	1.48%	5.0	A+
June 30, 2025	$356M	1.32%	5.0	A+
March 31, 2025	$351M	1.63%	5.0	A+
December 31, 2024	$344M	2.02%	5.0	A+
September 30, 2024	$342M	1.99%	5.0	A+
June 30, 2024	$347M	1.74%	5.0	A+
March 31, 2024	$348M	1.03%	5.0	A+
December 31, 2023	$335M	1.72%	5.0	A+
September 30, 2023	$336M	2.08%	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 Waypoint 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 Waypoint 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 Waypoint Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Waypoint Credit Union

Website https://www.coreplus.org

Address 202 Salem Tpke, Norwich, CT 06360

Phone 860-886-0576

Fax 860-885-3538

President Karen Walters

CEO Ray Currier

Full-Time Employees 99

Part-Time Employees 6

Branch Locations 11

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.59%

Return on Assets (ROA)

0.7020%

Return on Equity (ROE)

6.4077%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

676,465,900

Total Amount of Shares and Deposits

560,975,340

Total Shares and Deposits < 1 Year

542,840,825

Total Shares and Deposits 1 3 Years

17,019,012

Total Shares and Deposits > 3 Years

1,115,503

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

31,415,056

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

31,415,056

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

529,560,284

Total Interest Expense (Sum of items 6 8)

4,398,866

Share Certificates

3,862

Number of Accounts for Share Drafts

17,848

IRA KEOGH Accounts

1,264

Number of Accounts for Regular Shares

56,615

All other shares

670

Non Member Deposits

Money Market Shares

3,017

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)

27,283,828

Total Liabilities

606,687,318

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Waypoint 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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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

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Waypoint Credit Union

Does Waypoint Credit Union offer CDs?

Yes. Waypoint Credit Union current CD rates include its 10-, 15-, 20-month CD at 4.30% APY, its Special 10 Month CD at 4.30% APY and its Special 15 Month CD at 4.30% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Waypoint Credit Union NCUA insured?

Yes. Waypoint 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 Waypoint Credit Union?

The highest Waypoint Credit Union CD rate is its 10-, 15-, 20-month CD at 4.30% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Waypoint Credit Union offer?

Waypoint Credit Union CD rates are 4.30% APY for a 10 month CD, 0.60% APY for a 12 month CD, 4.30% APY for a 15 month CD, 4.30% APY for a 20 month CD, 0.75% APY for a 2 year CD and 1.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Waypoint Credit Union for its full lineup.

What is the highest savings rate at Waypoint Credit Union?

The highest Waypoint Credit Union savings rate is its Health Savings at 0.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Waypoint Credit Union?

The highest Waypoint Credit Union money market rate is its Nonprofit Money Market at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Waypoint Credit Union?

The highest Waypoint Credit Union checking rate is its Kasasa Cash Checking at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Waypoint Credit Union?

The lowest Waypoint Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Conventional at 7.25%, verified by MonitorBankRates as of October 28, 2026. Waypoint Credit Union mortgage rates are 7.25% for a 30 year mortgage, 7.00% for a 20 year mortgage and 6.50% for a 15 year mortgage.

What is the lowest auto loan rate at Waypoint Credit Union?

The lowest Waypoint Credit Union auto loan rate is its Auto Loan at 5.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Waypoint Credit Union?

The lowest Waypoint Credit Union personal loan rate is its Personal Loan at 9.49% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Waypoint Credit Union operate?

Waypoint 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 Waypoint Credit Union?

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

Does Waypoint Credit Union offer online and mobile banking?

Most modern institutions like Waypoint 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.coreplus.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 Waypoint Credit Union rates compare?

Waypoint Credit Union's CD rates are 60% lower than the MonitorBankRates national average, and it has an A+ health rating. Waypoint Credit Union's top rates are its 10-, 15-, 20-month CD at 4.30% APY, its Health Savings at 0.25% APY, its Nonprofit Money Market at 3.50% APY, its Kasasa Cash Checking at 3.50% APY, its Smart Refi Mortgage at 6.375% and its Personal Loan at 9.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Waypoint Credit Union Rates

12-Month CD0.60%
24-Month CD0.75%
60-Month CD1.25%
Savings0.25%
MMA3.50%

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

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Waypoint Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Waypoint Credit Union Texas Ratio

Waypoint Credit Union Health Trend

Waypoint Credit Union CD Rates

Waypoint Credit Union Savings Rates

Waypoint Credit Union Money Market Rates

Waypoint Credit Union Checking Rates

Waypoint Credit Union Mortgage Rates

Waypoint Credit Union Home Equity & HELOC

Waypoint Credit Union Auto Loan Rates

Waypoint Credit Union RV, Boat and Powersport Loan Rates

Waypoint Credit Union Personal Loan Rates

Waypoint Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Waypoint Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Waypoint Credit Union

Does Waypoint Credit Union offer CDs?

Are CDs from Waypoint Credit Union NCUA insured?

What is the highest CD rate at Waypoint Credit Union?

What CD terms does Waypoint Credit Union offer?

What is the highest savings rate at Waypoint Credit Union?

What is the highest money market rate at Waypoint Credit Union?

What is the highest checking rate at Waypoint Credit Union?

What is the lowest 30 year fixed mortgage rate at Waypoint Credit Union?

What is the lowest auto loan rate at Waypoint Credit Union?

What is the lowest personal loan rate at Waypoint Credit Union?

How many branches does Waypoint Credit Union operate?

Is a member application needed to join Waypoint Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Waypoint 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 Waypoint Credit Union rates compare?

Current Waypoint Credit Union Rates

Compare to Other Credit Unions