Bank · FDIC insured
WCF Financial Bank
A $224.4M bank headquartered in Webster City, IA, with 3 branches in Iowa. Best rates: savings 0.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings822.63%3.00% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About WCF Financial Bank
WCF Financial Bank was chartered in Webster City, Iowa, in 1934 as Webster City Federal Savings and Loan Association.
Renamed Webster City Federal Savings Bank in 1990, the institution acquired Independence Federal Bank for Savings and became WCF Financial Bank in 2014.
Operating branches in Webster City, Independence, and Tama, the bank serves Buchanan, Hamilton, and Tama counties.
- Headquarters
- 401 Fair Meadow Dr, Webster City, IA 50595
- FDIC certificate
- 28989 ↗
Branches
3 branches in Iowa
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Iowa
3 branches
Webster City area · 1
- WCF Financial BankMain office401 Fair Meadow Dr, Webster City, IA 50595Directions
Independence area · 1
- 305 First Street West Branch305 1st St W, Independence, IA 50644Directions
Tama area · 1
- Tama Branch1998 Mcclellan St, Tama, IA 52339Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.31% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 5.11% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $101 | $81 | — |
- CapitalLeverage ratio8.31%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent5.11%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$101Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion 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 noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of WCF Financial Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.