Waco

P O BOX 646, Waco, TX 76703

NCUA Insured4.5 (19 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1949

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 Waco, TX 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

1 charter

Established in 1949

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P O BOX 646

Waco, TX 76703

Google Maps 🗺Waze

(254) 753-0361

Service Area

This credit union is located in Waco and serves members in the TX area. Currently serving 1,947 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 · NCUA

Key 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

5.00%

Used Auto Loan

7.00%

Personal Loan

12.00%

Credit Card APR

12.50%

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 TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.5

19 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Javier Silva

a year ago

Great people. Availability of service - not so great. WFCU has one branch, in Waco. That's not the problem. The problem becomes when your account gets locked out (for no reason), there is no one you can call to unlock it after 5:30PM. They do not have shared banking with anyone else, so you're stuck with waiting until 9AM next morning to unlock your account. Even "resetting password" does not unlock the account. So, even though the people are great, the service availability not so much.

Elizabeth Bays

3 years ago

Working with Mike and his staff was very professional. They went out of their way to accomodate me quickly with an auto loan. Waco Federal Credit Union rates are very competitive. I would highly recommend using them.