What are the current interest rates at WESTconsin Credit Union?

Current rates for WESTconsin Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 2.58%, 24-Month CD: 3.40%, 60-Month CD: 2.68%, Savings: 2.89%, MMA: 1.92%

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WESTconsin Credit Union

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WESTconsin Credit Union Rates & Review October 2026

Q: How many branches does WESTconsin Credit Union operate?

WESTconsin Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

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

Yes, to access services at WESTconsin Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WESTconsin Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

WESTconsin Credit Union's top rates as of October 13, 2026 are 4.49% APY on its 18 Month Variable Rate IRA - Basic MVP Level CD, 2.89% APY on savings, 1.92% APY on money market accounts, 1.26% APY on checking, 6.51% on its 5/6 Month ARM mortgage, personal loans from 11.50% APR, and credit cards from 9.00% APR, according to rates verified by MonitorBankRates. Other WESTconsin Credit Union CD rates include 18 Month Variable Rate IRA - Gold MVP Level at 4.49%, 18 Month Variable Rate IRA - Silver MVP Level at 4.49%, and 12 Month - Gold MVP Level at 4.01%. Other WESTconsin Credit Union mortgage rates include 7/6 Month ARM at 6.60%, Fixed Rate Mortgages - 10 year Fixed at 6.88%, and 15 Year Fixed-Rate Mortgage at 7.07%. MonitorBankRates evaluates the financial stability of WESTconsin Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.22%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

WESTconsin Credit Union
Menomonie Administration

3227 Schneider Ave SE
Menomonie, WI 54751

https://www.westconsincu.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.

WESTconsin Credit Union CD Rates

Product	Rate	APY	Term
18 Month Variable Rate IRA - Basic MVP Level	4.39%	4.49%	18 Month
Min Balance $50 Details Compounded: Daily; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month Variable Rate IRA - Gold MVP Level	4.39%	4.49%	18 Month
Min Balance $50 Details Compounded: Daily; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month Variable Rate IRA - Silver MVP Level	4.39%	4.49%	18 Month
Min Balance $50 Details Compounded: Daily; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.49% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
12 Month - Gold MVP Level	3.94%	4.01%	12 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.01% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
12 Month - Silver MVP Level	3.74%	3.80%	12 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
24 Month - Gold MVP Level	3.70%	3.76%	24 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
12 Month - Basic MVP Level	3.59%	3.65%	12 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
24 Month - Silver MVP Level	3.50%	3.56%	24 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month - Gold MVP Level	3.40%	3.45%	18 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
24 Month - Basic MVP Level	3.35%	3.40%	24 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month - Silver MVP Level	3.20%	3.25%	18 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month - Basic MVP Level	3.05%	3.09%	18 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.09% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
60 Month - Gold MVP Level	3.00%	3.04%	60 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
60 Month Fixed Rate IRA - Gold MVP Level	3.00%	3.04%	60 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month Fixed Rate IRA - Gold MVP Level	2.90%	2.94%	18 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.94% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
48 Month - Gold MVP Level	2.90%	2.94%	48 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.94% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
12 Month Fixed Rate Health Savings - Gold MVP Level	2.85%	2.89%	12 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.89% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
36 Month - Gold MVP Level	2.80%	2.84%	36 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.84% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
60 Month - Silver MVP Level	2.80%	2.84%	60 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.84% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
60 Month Fixed Rate IRA - Silver MVP Level	2.80%	2.84%	60 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.84% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month Fixed Rate IRA - Silver MVP Level	2.70%	2.73%	18 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.73% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
48 Month - Silver MVP Level	2.70%	2.73%	48 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.73% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
12 Month Fixed Rate Health Savings - Silver MVP Level	2.65%	2.68%	12 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
60 Month - Basic MVP Level	2.65%	2.68%	60 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
60 Month Fixed Rate IRA - Basic MVP Level	2.65%	2.68%	60 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
36 Month - Silver MVP Level	2.60%	2.63%	36 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.63% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
18 Month Fixed Rate IRA - Basic MVP Level	2.55%	2.58%	18 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.58% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
48 Month - Basic MVP Level	2.55%	2.58%	48 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.58% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
12 Month Fixed Rate Health Savings - Basic MVP Level	2.50%	2.53%	12 Month
Min Balance $500 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
36 Month - Basic MVP Level	2.45%	2.48%	36 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.48% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
36 Month Step Up - Gold MVP Level	2.35%	2.38%	36 Month
Min Balance $5,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.38% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
6 Month - Gold MVP Level	2.35%	2.38%	6 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.38% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
36 Month Step Up - Silver MVP Level	2.15%	2.17%	36 Month
Min Balance $5,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.17% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
6 Month - Silver MVP Level	2.15%	2.17%	6 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.17% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
36 Month Step Up - Basic MVP Level	2.00%	2.02%	36 Month
Min Balance $5,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
6 Month - Basic MVP Level	2.00%	2.02%	6 Month
Min Balance $1,000 Details Compounded: Monthly; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
3 Month - Gold MVP Level	0.75%	0.75%	3 Month
Min Balance $5,000 Details Compounded: @Maturity; MVP Level: Gold Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
3 Month - Silver MVP Level	0.55%	0.55%	3 Month
Min Balance $5,000 Details Compounded: @Maturity; MVP Level: Silver Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
3 Month - Basic MVP Level	0.40%	0.40%	3 Month
Min Balance $5,000 Details Compounded: @Maturity; MVP Level: Basic Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.40%	0.40%
Min Deposit $0 Min Balance $0 Details No minimum balance to open or earn dividends Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Membership Savings	0.40%	0.40%
Min Deposit $5 Details $5 minimum opening deposit; For dividend period: October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Savings	0.40%	0.40%
Details Balance: No minimum balance to open or earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Money Market Rates

Product	Rate	APY
Achieve Money Market	1.90%	1.92%
Min Balance $25,000 Details Balance: $25,000 and over; $15 fee in any month if balance drops below $25,000.00; $15 fee for each withdrawal over 3 each month; $1,000 minimum withdrawal and deposit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Money Market	1.90%	1.92%
Min Balance $100,000 Details Balance: $100,000 and more; No minimum balance to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.92% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Money Market	1.75%	1.76%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; No minimum balance to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Money Market	1.50%	1.51%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; No minimum balance to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Achieve Money Market	1.25%	1.26%
Min Balance $0 Details Balance: $0 - $24,999.99; $15 fee in any month if balance drops below $25,000.00; $15 fee for each withdrawal over 3 each month; $1,000 minimum withdrawal and deposit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Money Market	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; No minimum balance to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Money Market	0.40%	0.40%
Min Balance $0 Details Balance: $0 - $9,999.99; No minimum balance to open Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Checking Rates

Product	Rate	APY
HSA Checking	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000 and more Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
HSA Checking	0.40%	0.40%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Preferred Checking	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Balance: No minimum balance to open or earn dividends Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.10%	0.10%
Min Balance $500 Details Balance: $500 and above; Earn dividends each day the balance is $500 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgages - 10 year Fixed	6.875%	-	6.966%	10 year
Details Fixed Rate Mortgages Last Updated 10/13/2026 Rate History 4 changes since Sep 18, 2026 · 6.84% → 6.97% ▲ 0.13 pts · high 7.22% / low 6.84% Oct 13, 20266.97%▼ from 7.09% Oct 9, 20267.09%▼ from 7.22% Oct 2, 20267.22%▲ from 7.09% Oct 1, 20267.09%▲ from 6.84% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
15 Year Fixed-Rate Mortgage	-	-	7.065%
Details As Low As; APR as low as; Fixed-rate mortgage; Closing cost discounts for Gold/Silver MVP members Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.07% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgages - 15 year Fixed	7.00%	-	7.065%	15 year
Details Fixed Rate Mortgages Last Updated 10/13/2026 Rate History 4 changes since Sep 18, 2026 · 6.94% → 7.07% ▲ 0.13 pts · high 7.32% / low 6.94% Oct 13, 20267.07%▼ from 7.19% Oct 9, 20267.19%▼ from 7.32% Oct 2, 20267.32%▲ from 7.19% Oct 1, 20267.19%▲ from 6.94% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
WESTconsin 5/6 mo. ARM	7.25%	-	7.217%
Details WESTconsin ARMs: option for members with past credit problems or financing a home that may not meet typical financing conditions Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.00% → 7.22% ▲ 0.22 pts · high 7.25% / low 7.00% Oct 9, 20267.22%▼ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
WESTconsin 7/6 mo. ARM	7.50%	-	7.366%
Details WESTconsin ARMs: option for members with past credit problems or financing a home that may not meet typical financing conditions Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.37% ▲ 0.12 pts · high 7.50% / low 7.25% Oct 13, 20267.37%▼ from 7.37% Oct 9, 20267.37%▼ from 7.50% Oct 1, 20267.50%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgages - 20 year Fixed	7.375%	-	7.578%	20 year
Details Fixed Rate Mortgages Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 7.32% → 7.58% ▲ 0.25 pts · high 7.70% / low 7.32% Oct 13, 20267.58%▼ from 7.70% Oct 1, 20267.70%▲ from 7.32% Sep 18, 20267.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
30 Year Fixed-Rate Mortgage	-	-	7.658%
Details As Low As; APR as low as; Fixed-rate mortgage; Closing cost discounts for Gold/Silver MVP members Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Fixed Rate Mortgages - 30 year Fixed	7.50%	-	7.658%	30 year
Details Fixed Rate Mortgages Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 7.41% → 7.66% ▲ 0.25 pts · high 7.78% / low 7.41% Oct 13, 20267.66%▼ from 7.78% Oct 1, 20267.78%▲ from 7.41% Sep 18, 20267.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Vacant Land 3/6 mo. ARM	7.375%	-	8.045%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.79% → 8.05% ▲ 0.25 pts · high 8.05% / low 7.79% Oct 13, 20268.05%▲ from 8.04% Oct 9, 20268.04%▲ from 7.95% Oct 1, 20267.95%▲ from 7.79% Sep 18, 20267.79%▼ from 7.79% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Vacant Land 5/6 mo. ARM	7.75%	-	8.094%
No additional details. Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.84% → 8.09% ▲ 0.25 pts · high 8.09% / low 7.84% Oct 13, 20268.09%▲ from 8.09% Oct 9, 20268.09%▲ from 8.02% Oct 1, 20268.02%▲ from 7.84% Sep 18, 20267.84%▼ from 7.84% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Home Equity & HELOC

Product	Rate	Points	APR
3-Month Adjustable HELOC	-	-	7.00%
Details As Low As; HCLTV: Up to 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 22, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
5-Year Adjustable HELOC	-	-	7.25%
Details As Low As; HCLTV: Up to 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 22, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
HELOC Closed-end 2nd 7/6 mo. ARM	7.75%	-	7.936%
Details Home Equity Loan; CLTV: Up to 80% Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.68% → 7.94% ▲ 0.25 pts · high 7.94% / low 7.68% Oct 13, 20267.94%▲ from 7.94% Oct 9, 20267.94%▲ from 7.88% Oct 1, 20267.88%▲ from 7.68% Sep 14, 20267.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
3-Month Adjustable HELOC	-	-	8.00%
Details As Low As; HCLTV: Over 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Sep 22, 20268.00%▲ from 7.75% Sep 14, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
5-Year Adjustable HELOC	-	-	8.25%
Details As Low As; HCLTV: Over 80% Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Sep 22, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
HELOC Closed-end 2nd 7/6 mo. ARM	8.25%	-	8.661%
Details Home Equity Loan; CLTV: 80% - 90% Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 8.41% → 8.66% ▲ 0.25 pts · high 8.66% / low 8.41% Oct 13, 20268.66%▲ from 8.66% Oct 9, 20268.66%▲ from 8.60% Oct 1, 20268.60%▲ from 8.41% Sep 14, 20268.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	Up to 24 Months
Details As Low As; APR as low as 4.49% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Auto Loan	-	-	4.99%	Up to 48 Months
Details As Low As; APR as low as 4.99% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Auto Loan	-	-	5.49%	Up to 72 Months
Details As Low As; APR as low as 5.49% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Credit Cards	-	9.00%
Details As Low As; Account Term: No Maximum; Lowest rate assumes A+ credit score and Gold MVP level Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Business Platinum Visa Credit Card	-	9.90%
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Personal Loans	11.50%	Up to 48 Months
Details As Low As; Assumes A+ credit score and Gold MVP level Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Unsecured Personal Loans	13.00%	Up to 60 Months
Details As Low As; Assumes A+ credit score and Gold MVP level Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

WESTconsin Credit Union Other Rates

Product	Rate	Points	APY/APR
5/6 Month ARM	-	-	6.515%
Details As Low As; Lock in lower rates for five years, then rate adjusts every 6 months Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 6.51% → 6.52% ▲ 0.00 pts · high 6.52% / low 6.51% Oct 13, 20266.52%▲ from 6.51% Oct 9, 20266.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
7/6 Month ARM	-	-	6.599%
Details As Low As; Lock in lower rates for seven years, then rate adjusts every 6 months Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Home Construction Loan	-	-	6.644%
Details As Low As; APR as low as 6.644% Last Updated 10/13/2026 Rate History 5 changes since Sep 14, 2026 · 6.39% → 6.64% ▲ 0.25 pts · high 6.65% / low 6.39% Oct 13, 20266.64%▼ from 6.65% Oct 9, 20266.65%▲ from 6.58% Oct 1, 20266.58%▲ from 6.39% Sep 22, 20266.39%▲ from 6.39% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Kwik Cash Loan	-	-	13.00%
Details As Low As; No Charge for Ready Reserve Transfers to Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%
Funeral Trust	0.40%	-	0.40%
Details Balance: No minimum balance to open or earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.22%

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

WESTconsin Credit Union’s Texas Ratio rose from 2.56% in Q3 2023 to 3.22% 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	$2.2B	3.22%	5.0	A+
March 31, 2026	$2.2B	3.01%	5.0	A+
December 31, 2025	$2.2B	3.75%	5.0	A+
September 30, 2025	$2.1B	4.27%	5.0	A+
June 30, 2025	$2.1B	4.30%	5.0	A+
March 31, 2025	$2.0B	4.24%	5.0	A+
December 31, 2024	$2.0B	4.79%	5.0	A+
September 30, 2024	$1.9B	4.36%	5.0	A+
June 30, 2024	$1.9B	4.03%	5.0	A+
March 31, 2024	$1.9B	2.98%	5.0	A+
December 31, 2023	$1.9B	2.90%	5.0	A+
September 30, 2023	$1.9B	2.56%	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 WESTconsin 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 WESTconsin 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 WESTconsin Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name WESTconsin Credit Union

Website https://www.westconsincu.org

Address 3227 Schneider Ave SE, Menomonie, WI 54751

Phone 800-924-0022

Fax

President Gerald Wolf

CEO James Wookey

Full-Time Employees 415

Part-Time Employees 27

Branch Locations 19

ATM Locations 15

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.22%

Return on Assets (ROA)

0.5521%

Return on Equity (ROE)

4.2632%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

2,245,897,626

Total Amount of Shares and Deposits

1,940,917,341

Total Shares and Deposits < 1 Year

1,862,127,820

Total Shares and Deposits 1 3 Years

69,735,764

Total Shares and Deposits > 3 Years

9,053,757

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

114,512,330

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

114,512,330

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

1,826,405,011

Total Interest Expense (Sum of items 6 8)

14,355,375

Share Certificates

12,812

Number of Accounts for Share Drafts

83,025

IRA KEOGH Accounts

2,782

Number of Accounts for Regular Shares

175,603

All other shares

3,871

Money Market Shares

10,535

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

12,399,937

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)

198,261,234

Total Liabilities

1,980,318,367

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

WESTconsin Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for WESTconsin Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About WESTconsin Credit Union

How many branches does WESTconsin Credit Union operate?

WESTconsin 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 WESTconsin Credit Union?

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

Does WESTconsin Credit Union offer online and mobile banking?

Most modern institutions like WESTconsin 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.westconsincu.org.

Current WESTconsin Credit Union Rates

12-Month CD3.65%
18-Month CD2.58%
24-Month CD3.40%
60-Month CD2.68%
Savings2.89%
MMA1.92%

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

Compare to Other Credit Unions

WESTconsin Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

WESTconsin Credit Union Texas Ratio

WESTconsin Credit Union Health Trend

WESTconsin Credit Union CD Rates

WESTconsin Credit Union Savings Rates

WESTconsin Credit Union Money Market Rates

WESTconsin Credit Union Checking Rates

WESTconsin Credit Union Business Checking Rates

WESTconsin Credit Union Mortgage Rates

WESTconsin Credit Union Home Equity & HELOC

WESTconsin Credit Union Auto Loan Rates

WESTconsin Credit Union Credit Card Rates

WESTconsin Credit Union Personal Loan Rates

WESTconsin Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

WESTconsin Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About WESTconsin Credit Union

How many branches does WESTconsin Credit Union operate?

Is a member application needed to join WESTconsin Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does WESTconsin Credit Union offer online and mobile banking?

Current WESTconsin Credit Union Rates

Compare to Other Credit Unions