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iAdvertiser Disclosure
Advertiser Disclosure
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 Winnebago Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Winnebago Community Credit Union's 8-Month CD and IRA CD Special rates are at 4.10%, CD Special 8 Month rates are at 4.10%, CD 24 Month rates are at 3.25%, CD 30 Month rates are at 3.25%, CD 36 Month rates are at 3.25%. Winnebago Community Credit Union's savings rates are at 0.10%. Winnebago Community Credit Union's money market rates are at 0.65%. Winnebago Community Credit Union's checking rates are as high as 0.20%. Winnebago Community Credit Union's First Mortgage Loan - 10 Year Fixed rates are at 5.24%, First Mortgage Loan - 15 Year Fixed rates are at 5.49%, First Mortgage Loan - 5 Year ARM rates are at 5.24%. Winnebago Community Credit Union's Auto Loan Rates are as low as 3.99%. MonitorBankRates evaluates the financial stability of Winnebago Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.65%. Rates last updated and verified on 10/29/2026. Winnebago Community 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 Winnebago Community Credit Union? Share your experience about Winnebago Community Credit Union by leaving a review below, or read customer reviews before you decide to use Winnebago Community Credit Union. 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. Winnebago Community Credit Union CD Rates
Winnebago Community Credit Union Savings Rates
Winnebago Community Credit Union Money Market Rates
Winnebago Community Credit Union Checking Rates
Winnebago Community Credit Union Mortgage Rates
Winnebago Community Credit Union Home Equity & HELOC
Winnebago Community Credit Union Auto Loan Rates
Winnebago Community Credit Union RV, Boat and Powersport Loan Rates
Winnebago Community Credit Union Other Rates
Financial Health HistoryWinnebago Community Credit Union’s Texas Ratio fell from 1.58% in Q3 2023 to 0.65% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Winnebago Community 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 Winnebago Community 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 Winnebago Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Winnebago Community Credit Union
Website
https://www.wincu.org
Address
567 E Snell Rd,
Oshkosh, WI 54901
Phone
920-233-9096
Fax
920-426-7266
President
Thomas Geske
CEO
Derek Groth
Full-Time Employees
23
Part-Time Employees
13
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.65%
Return on Assets (ROA)
0.5313%
Return on Equity (ROE)
3.8627%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
176,055,317
Total Amount of Shares and Deposits
150,829,633
Total Shares and Deposits < 1 Year
143,653,945
Total Shares and Deposits 1 3 Years
4,400,226
Total Shares and Deposits > 3 Years
2,775,463
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,722,366
Total Uninsured Shares and Deposits > $250K (F+J)
13,722,366
Total Insured Shares and Deposits > $250K (item 17 less item K)
137,107,267
Total Interest Expense (Sum of items 6 8)
1,346,221
Share Certificates
1,624
Number of Accounts for Share Drafts
5,722
IRA KEOGH Accounts
319
Number of Accounts for Regular Shares
12,860
Money Market Shares
618
Net Income (unless the amount is already included in Undivided Earnings)
935,379
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)
39,192,833
Total Liabilities
151,839,507
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Winnebago Community Credit Union
Frequently Asked Questions About Winnebago Community Credit UnionDoes Winnebago Community Credit Union offer CDs?Yes. Winnebago Community Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Winnebago Community Credit Union CD rates verified by MonitorBankRates as of October 29, 2026 include its 8-Month CD and IRA CD Special at 4.10% APY, its CD Special 8 Month at 4.10% APY and its CD 24 Month at 3.25% APY. Are CDs from Winnebago Community Credit Union NCUA insured?Yes. Winnebago Community 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 Winnebago Community Credit Union?The highest Winnebago Community Credit Union CD rate is its 8-Month CD and IRA CD Special at 4.10% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Winnebago Community Credit Union offer?Winnebago Community Credit Union CD rates are 4.10% APY for an 8 month CD, 3.00% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 30 month CD, 3.25% APY for a 3 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Winnebago Community Credit Union for its full lineup. What is the highest savings rate at Winnebago Community Credit Union?The highest Winnebago Community Credit Union savings rate is its Regular Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Winnebago Community Credit Union?The highest Winnebago Community Credit Union money market rate is its Investors Money Market at 0.65% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Winnebago Community Credit Union?The highest Winnebago Community Credit Union checking rate is its Dividend Checking at 0.20% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Winnebago Community Credit Union?The lowest Winnebago Community Credit Union mortgage rate is its First Mortgage Loan - 10 Year Fixed at 5.24%, verified by MonitorBankRates as of October 29, 2026. Winnebago Community Credit Union mortgage rates are 5.49% for a 15 year mortgage, 5.24% for a 10 year mortgage and 5.24% for a 5 year mortgage. What is the lowest auto loan rate at Winnebago Community Credit Union?The lowest Winnebago Community Credit Union auto loan rate is its 2023 & Newer Auto & Truck Loan at 3.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Winnebago Community Credit Union operate?Winnebago Community 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 Winnebago Community Credit Union?Yes, to access services at Winnebago Community 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, Winnebago Community 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, Winnebago Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Winnebago Community Credit Union offer online and mobile banking?Most modern institutions like Winnebago Community 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.wincu.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 Winnebago Community Credit Union rates compare?Winnebago Community Credit Union's top rates are its 8-Month CD and IRA CD Special at 4.10% APY, its Regular Savings at 0.10% APY, its Investors Money Market at 0.65% APY, its Dividend Checking at 0.20% APY, its First Mortgage Loan - 10 Year Fixed at 5.24% and its 2023 & Newer Auto & Truck Loan at 3.99% APR, verified by MonitorBankRates on October 29, 2026. Current Winnebago Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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