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Willow Island Federal Credit Union

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Willow Island Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Willow Island Federal 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: April 25, 2026

You can compare Willow Island Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.56%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 3.65%. Savings rates are at 0.03% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to Willow Island Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Willow Island Federal Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.56%. Rates were last updated on 04/25/2026.

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

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.56%

Good Higher than avg

Willow Island Federal Credit Union
Willow Island Federal Credit Union

7910 S Pleasants HWY
Saint Marys, WV 26170 8028

https://wifcu.com

Willow Island Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	3.99%
Details As Low As Last Updated 04/11/2026 Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Willow Island 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 Willow Island 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 Willow Island Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Willow Island Federal Credit Union

Website https://wifcu.com

Address 7910 S Pleasants HWY, Saint Marys, WV 26170 8028

Phone 304-665-1127

Fax 304-665-1129

President Jo Stewart

CEO Shelly Winans

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

B+ (88/100)

Texas Ratio

18.56%

Return on Assets (ROA)

-0.1907%

Return on Equity (ROE)

-2.4264%

Non-Performing Loans Ratio (NPL)

1.83%

Total Assets

11,747,580

Total Amount of Shares and Deposits

10,812,173

Total Shares and Deposits < 1 Year

10,650,679

Total Shares and Deposits 1 3 Years

161,494

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

322,297

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

582,128

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

10,230,045

Total Interest Expense (Sum of items 6 8)

133,606

Share Certificates

122

Number of Accounts for Share Drafts

798

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,749

All other shares

187

Non Member Deposits

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,188,335

Total Liabilities

10,824,225

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Willow Island Federal Credit Union

Is Willow Island Federal Credit Union a safe place to deposit money?

Yes, Willow Island Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 18.563824314592%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Willow Island Federal Credit Union operate?

Willow Island 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 Willow Island Federal Credit Union?

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

Does Willow Island Federal Credit Union offer online and mobile banking?

Most modern institutions like Willow Island 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://wifcu.com.