Wcu Credit Union
Verified Information
NCUA Insured
Member-Owned
2 charter
Established in 1948
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Decatur, AL may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →Verified Information
NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1948
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
Location & Directions
Service Area
This credit union is located in Decatur and serves members in the AL area. Currently serving 3,375 members.
Membership Info:
Contact the credit union to confirm membership eligibility requirements for your area.
Note on Membership
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Financial Health
Q4 2025 · NCUAKey indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Loan Rates
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.75%Used Auto Loan
4.75%Personal Loan
9.50%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Best Rates in AL
Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).
Stevenson, AL
Birmingham, AL
Bay Minette, AL
Birmingham, AL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
Branches & Locations(2 total)
Member Reviews
4.4
9 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google Maps
Courtney Miller
10 months ago
What a wonderful experience and wonderful place! We were referred here by a friend of ours and are so grateful we decided to make the switch. A huge thank you and 5+ stars to Danielle who has been the BEST banker I’ve ever dealt with. She went above and beyond to meet me (literally) in the middle where it was not only convenient but comfortable for me to complete my loan documents as a busy mom. I am very thankful for her effort and kindness. Highly recommend this bank that is likely overlooked by the more “flashy” options out there. You won’t be sorry you came here!!
Doris “Sissy” Alzaga
3 months ago
Well first of all my husband and I went to open an account and the teller was very infriendly as if she hated her job then when we came back to sign paperwork she stated in front of everyone (TELLING ME THOUGHT YOU SAID YOU WERE GOING TO WORK AND YOURE HUSNAND WAS COMING BACK AS IF IT WAS ANY OF HER BUSINESS .THEN STILL RUDE LOOKING AT ME I JUST LEFT AND CLOSED THE ACCOUNT TODAY .THE REST OF THE TELLERS WERE FTIENDLY AND NICE.
Ginger Sutton
6 years ago
WCU is always a great experience! It is a professional and friendly establishment! When you walk in they make sure to make you feel like family! So if you are looking banking institution. I highly recommend giving them the opportunity to help you see what a great credit union could be like!!
Jamie Colburn
a year ago
Great team
Quinley Etheredge
a month ago
Everyone at WCU Credit Union has your best interest in mind. The staff is knowledgeable, friendly, and ready to lend a helping hand. I highly recommend WCU, especially for auto or home loans. They have the best rates we could find, and the mobile app makes payments easy. Convenient location is also a plus. I find myself near the Decatur branch often and can always drop in if I need to make a withdrawal or deposit. If you want someone who knows your name, WCU is your credit union!
Contact Tips
Best Time to Call
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
What to Ask
- • Current loan rates & terms
- • Membership eligibility requirements
- • Minimum deposit to open an account
- • Online & mobile banking features
NCUA Insured
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Key Information
Phone
(256) 355-5010Website
Visit WebsiteMembers
3,375
Total Assets
$34.1M
Year Opened
1948
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile