--- title: "Wichita Falls Credit Union Rates (Nov 2026): CDs to 3.66%" description: "Wichita Falls Credit Union rates today: savings & CDs up to 3.66% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Wichita Falls Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/wichita-falls" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Wichita Falls Credit Union Rates (Nov 2026): CDs to 3.66% ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Automobile and Motorcycles (New)** motorcycle_new_75mo | — APR | 5.240% | 75 mo · new | Standard | | **84-Month Boat Loan** boat_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Automobile and Motorcycles (Used)** motorcycle_used_66mo | — APR | 5.740% | 66 mo · used | Standard | | **Travel Trailers / RV (New)** rv_new_120mo | — APR | 5.740% | 120 mo · new | Standard | | **Miscellaneous Titled Vehicles (New)** auto_new_72mo | — APR | 6.240% | 72 mo · new | Standard | | **Travel Trailers / RV (Used)** rv_used_120mo | — APR | 6.240% | 120 mo · used | Standard | | **96-Month Boat Loan** boat_any_96mo | — APR | 6.740% | 96 mo | Standard | | **Miscellaneous Titled Vehicles (Used)** auto_used_72mo | — APR | 6.740% | 72 mo · used | Standard | Wichita Falls Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 6.500% | — | Standard | Wichita Falls Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **60-Month Signature Loan** personal_unsecured_60mo | — APR | 9.000% | 60 mo | Context only | Wichita Falls Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 8.500% | — | Standard | | **Mastercard® Gold** credit_card | — APR | 9.000% | — | Standard | | **Mastercard® Standard** credit_card | — APR | 13.000% | — | Standard | Wichita Falls Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 24 offers | Product | Published | Rate | Term / condition | Status | | **Checking** checking | — APY | 0.10% | — | Specialty offer | | **Savings** share_savings | — APY | 0.20% | — | Standard | | **Kids Accounts & Special Savings** savings | — APY | 0.20% | — | Eligibility restricted | | **IRA Savings Rates - Traditional and Roth** ira | — APY | 0.75% | — | Standard | | **Regular and IRA Certificate (60-Month Term Certificate)** ira_cd_60mo | — APY | 2.75% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 2.79% APY | 2.75% | 60 mo | Standard | | **Regular and IRA Certificate (48-Month Term Certificate)** ira_cd_48mo | — APY | 2.85% | 48 mo | Standard | | **60-Month Certificate ($50,000+)** share_certificate_60mo | — APY | 2.85% | 60 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 2.89% APY | 2.85% | 48 mo | Standard | | **48-Month Certificate ($50,000+)** share_certificate_48mo | — APY | 2.95% | 48 mo | Standard | | **Regular and IRA Certificate (36-Month Term Certificate)** ira_cd_36mo | — APY | 3.00% | 36 mo | Standard | | **Regular and IRA Certificate (18-Month Term Certificate)** ira_cd_18mo | — APY | 3.00% | 18 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.04% APY | 3.00% | 36 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.04% APY | 3.00% | 18 mo | Standard | | **36-Month Certificate ($50,000+)** share_certificate_36mo | — APY | 3.10% | 36 mo | Standard | | **Regular and IRA Certificate (24-Month Term Certificate)** ira_cd_24mo | — APY | 3.25% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.30% APY | 3.25% | 24 mo | Standard | | **24-Month Certificate ($50,000+)** share_certificate_24mo | — APY | 3.35% | 24 mo | Standard | | **Regular and IRA Certificate (6-Month Term Certificate)** ira_cd_6mo | — APY | 3.55% | 6 mo | Standard | | **Regular and IRA Certificate (12-Month Term Certificate)** ira_cd_12mo | — APY | 3.60% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.61% APY | 3.55% | 6 mo | Standard | | **6-Month Certificate ($50,000+)** share_certificate_6mo | — APY | 3.65% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.66% APY | 3.60% | 12 mo | Standard | | **12-Month Certificate ($50,000+)** share_certificate_12mo | — APY | 3.70% | 12 mo | Standard | Wichita Falls Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Tractor (New)** equipment_new_72mo | — APR | 6.740% | — | Standard | | **Tractor (Used)** equipment_used_72mo | — APR | 7.740% | — | Standard | Wichita Falls Credit Union equipment loan rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Older than 10 years** other | — % | 2.000% | — | Standard | | **Over Draft Protection** other | — % | 18.000% | — | Context only | Wichita Falls Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.66% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/wichita-falls) , verified from [Wichita Falls Credit Union's official website](https://wffedcu.com/) Loading branch locator… ## About Wichita Falls Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.8K Assets $34.9M Founded 1949 Locations reported 2 NCUA charter 6317 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Payday Alternative Loans I 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. [**Texoma Community** SPO (2 DT & 1 Lobby ATM) · Wichita Falls · TX · 76308 About 0.6 miles away](https://rateapi.dev/credit-unions/texas/texoma-community) [**Postel Family** Maplewood · Wichita Falls · TX · 76308 About 0.8 miles away](https://rateapi.dev/credit-unions/texas/postel-family) [**Midwestern State University** Midwestern State University Credit Union · Wichita Falls · TX · 76308 About 1.9 miles away](https://rateapi.dev/credit-unions/texas/midwestern-state-university) [**Union Square** Kemp Street · Wichita Falls · TX · 76308-1016 About 2.0 miles away](https://rateapi.dev/credit-unions/texas/union-square) [**Wichita Falls Teachers** Wichita Falls Teachers Federal Credit Union · Wichita Falls · TX · 76310 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/wichita-falls-teachers) [**Secured Advantage** Iowa Park · Iowa Park · TX · 76367-1180 About 10.9 miles away](https://rateapi.dev/credit-unions/south-carolina/secured-advantage) 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 Wichita Falls Credit Union Membership eligibility from Wichita Falls Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Wichita Falls Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Wichita Falls, Wichita County Water District 2, Wichita Falls Housing Authority, Wichita Falls City/County Health Unit, Wichita County Appraisal District, Lakeside City, TB Electrical, Century Construction, Wichita Falls City Council - Association Wichita Falls City Council Verified from [Wichita Falls Credit Union's membership page](https://wffedcu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Wichita Falls Credit Union Employers 9 · Associations · Family 5 15 published paths to membership, last verified August 27, 2026, quoted from Wichita Falls Credit Union’s own published criteria. ### Employers 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of City of Wichita Falls “Employees of: City of Wichita Falls” > [source ↗](https://wffedcu.com/membership) - Employee of City of Wichita Falls - Employee of Wichita County Water District 2 “Wichita County Water District 2” > [source ↗](https://wffedcu.com/membership) - Employee of Wichita County Water District 2 - Employee of Wichita Falls Housing Authority “Wichita Falls Housing Authority” > [source ↗](https://wffedcu.com/membership) - Employee of Wichita Falls Housing Authority - Employee of Wichita Falls City/County Health Unit “Wichita Falls City/County Health Unit” > [source ↗](https://wffedcu.com/membership) - Employee of Wichita Falls City/County Health Unit - Employee of Wichita County Appraisal District “Wichita County Appraisal District” > [source ↗](https://wffedcu.com/membership) - Employee of Wichita County Appraisal District - Employee of Lakeside City “Lakeside City” > [source ↗](https://wffedcu.com/membership) - Employee of Lakeside City - Employee of TB Electrical “TB Electrical” > [source ↗](https://wffedcu.com/membership) - Employee of TB Electrical - Employee of Century Construction “Century Construction” > [source ↗](https://wffedcu.com/membership) - Employee of Century Construction - Employee of Wichita Falls City Council (as written on the source page) “Members of the Wichita Falls City Council” > [source ↗](https://wffedcu.com/membership) - Employee of Wichita Falls City Council ### Associations 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Wichita Falls City Council “Members of the Wichita Falls City Council” > [source ↗](https://wffedcu.com/membership) - Member of Wichita Falls City Council ### Family 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, marriage relative “Family members by blood or by marriage up to, but excluding cousins from the above fields of membership” > [source ↗](https://wffedcu.com/membership) - Family member (blood relative, marriage relative) of a member - Family of a member spouse “Spouses of those who died while in one of the above fields of membership” > [source ↗](https://wffedcu.com/membership) - Family member (spouse) of a member - Family of a member household member “A household member of an existing account holder” > [source ↗](https://wffedcu.com/membership) - Family member (household member) of a member - Family of a member family - Other “Family members by blood or by marriage up to, but excluding cousins from the above fields of membership” > [source ↗](https://wffedcu.com/membership) - Family member (family) of a member — except: cousins - Family Of Deceased surviving spouse “Spouses of those who died while in one of the above fields of membership” > [source ↗](https://wffedcu.com/membership) - Family member (surviving spouse) of a deceased eligible person 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 Wichita Falls Credit Union? Yes No ## Work at Wichita Falls 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 Wichita Falls Credit Union ranks against Texas peers. - See which AI assistants fetched Wichita Falls Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=wichita-falls&state=texas&code=TX&name=Wichita%20Falls%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Wichita Falls Credit Union offer? Wichita Falls Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Wichita Falls Credit Union rates updated? RateAPI verifies Wichita Falls 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 Wichita Falls Credit Union's rate data? Rate data is collected directly from Wichita Falls Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Wichita Falls Credit Union's best CD rate? As of November 12, 2026, Wichita Falls Credit Union offers savings and certificate (CD) yields up to 3.66% APY. ### Who can join Wichita Falls Credit Union? Wichita Falls Credit Union publishes its membership criteria on its own website. RateAPI tracks 15 published membership paths covering 9 employers and 1 association for Wichita Falls Credit Union, each quoted from Wichita Falls Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Wichita Falls Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://wffedcu.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 Wichita Falls Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Wichita Falls Credit Union curl "https://api.rateapi.dev/credit-unions/texas /wichita-falls " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Wichita Falls 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/texas/wichita-falls Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp