--- title: "WCU Credit Union Rates - Alabama" description: "Current auto loan, heloc, personal loan, and savings & cd rates from WCU Credit Union in Alabama. Updated daily with source verification. See who can join WCU Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/wcu-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # WCU Credit Union Rates - Alabama ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **See Policy** auto | — APR | 4.500% | — | Standard | WCU Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **No NEW HELOC’s only add-ons to existing** heloc_variable | — APR | 6.250% | — | Standard | WCU Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Personal Loan** personal | — APR | 8.000% | — | Standard | | **Overdraft Line of Credit** personal | — APR | 18.000% | — | Standard | WCU Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Share** savings | — APY | 0.15% | — | Context only | | **Money Market** money_market | 0.50% APY | 0.50% | — | Context only | | **6-Month Certificate** share_certificate_6mo | — APY | 2.53% | 6 mo | Context only | | **36-Month Certificate** share_certificate_36mo | — APY | 2.79% | 36 mo | Context only | | **12-Month Certificate** share_certificate_12mo | — APY | 3.00% | 12 mo | Context only | | **24-Month Certificate** share_certificate_24mo | — APY | 3.30% | 24 mo | Context only | | **CD Amount** cd | — APY | 4.00% | — | Standard | | **Shares Available** other | — APY | 4.00% | — | Standard | WCU Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **APR as low as** other | — % | 4.250% | — | Standard | | **Credit Committee** other | — % | 5.750% | — | Standard | | **80% of Appraisal** other | — % | 6.250% | — | Standard | | **75% of Appraisal** other | — % | 7.000% | — | Standard | | **Purchase Price** other | — % | 8.000% | — | Standard | WCU Credit Union other rates as of November 12, 2026 WCU Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/wcu-credit-union) , verified from [WCU Credit Union's official website](https://www.wcucu.com/) Loading branch locator… ## About WCU Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.4K Assets $35.2M Founded 1948 Locations reported 2 NCUA charter 61150 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements - Mobile check deposit - Mobile payments - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Champion Community** CCCU - Decatur Branch · Decatur · AL · 35603-1701 About 1.9 miles away](https://rateapi.dev/credit-unions/alabama/champion-community) [**Alabama** Decatur Branch · Decatur · AL · 35601-6512 About 2.3 miles away](https://rateapi.dev/credit-unions/alabama/alabama) [**Redstone** 6th Avenue Branch · Decatur · AL · 35601 About 3.0 miles away](https://rateapi.dev/credit-unions/alabama/redstone) [**Family Security** Sixth Avenue · Decatur · AL · 35601 About 3.6 miles away](https://rateapi.dev/credit-unions/alabama/family-security) [**Alabama Central** Decatur · Decatur · AL · 35601-8800 About 8.1 miles away](https://rateapi.dev/credit-unions/alabama/alabama-central) [**Nucor Employee's** Nucor Employee's Credit Union Decatur Branch · Trinity · AL · 35673 About 9.9 miles away](https://rateapi.dev/credit-unions/south-carolina/nucor-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join WCU Credit Union Membership eligibility from WCU Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on WCU Credit Union's website. Check the membership page below to confirm whether you qualify. - Location morgan, lawrence — AL Verified from [WCU Credit Union's membership page](https://www.wcucu.com/about/membership) . Final membership determination is always made by the credit union. ## Membership rules for WCU Credit Union Geography 2 counties 6 published paths to membership, last verified August 27, 2026, quoted from WCU Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Lawrence County, AL - Morgan County, AL “Any and all who live, work, or worship in Morgan and Lawrence counties” > [source ↗](https://www.wcucu.com/about/membership) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for WCU Credit Union? Yes No ## Work at WCU Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where WCU Credit Union ranks against Alabama peers. - See which AI assistants fetched WCU Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=wcu-credit-union&state=alabama&code=AL&name=WCU%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does WCU Credit Union offer? WCU Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are WCU Credit Union rates updated? RateAPI verifies WCU Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get WCU Credit Union's rate data? Rate data is collected directly from WCU Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join WCU Credit Union? WCU Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 2 counties for WCU Credit Union, each quoted from WCU Credit Union's own published membership criteria. ## Related Rate Data Compare WCU Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [Alabama auto loan rate leaders](https://rateapi.dev/auto-loan-rates/alabama) [Alabama HELOC rate leaders](https://rateapi.dev/heloc-rates/alabama) [Alabama personal loan leaders](https://rateapi.dev/personal-loan-rates/alabama) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.wcucu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track WCU Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for WCU Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /wcu-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## WCU Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/wcu-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp