Credit union · NCUA insured
Waters Edge FCU
A $5.1M credit union headquartered in Biloxi, MS, with 597 members and 1 branch in Mississippi. Best rates: CDs 3.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs693.05%for 9–15 monthsCD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Waters Edge FCU
Established in 1953 as the Harrison County Post Office Employees Federal Credit Union, Water's Edge Federal Credit Union is headquartered in Biloxi, Mississippi.
Serving the coastal counties of South Mississippi and the Gulf South Region, the credit union approved a merger with CenturyFirst Federal Credit Union in August 2026.
- Headquarters
- 1976 Popps Ferry Rd, Biloxi, MS 39532
- NCUA charter
- 8593
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Post Office and Federal Employees are eligible for membership.
Cost to join
- Joining requires having $20.00 directly debited from a checking account upon application.
Branches
1 branch in Mississippi
Loading map…
Mississippi
1 branch
- OfficeMain office1976 Popps Ferry Rd, Biloxi, MS 39532Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.16% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.12% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.04% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $58 | $59 | — |
- CapitalNet worth ratio7.16%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.12%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.04%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$58Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Waters Edge FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.