Credit union · NCUA insured
WCU Credit Union
A $35.2M credit union headquartered in Decatur, AL, with 3,359 members and 2 branches in Alabama. Best rates: CDs 3.30% and savings 0.50% APY.
WCU Credit Union Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#9 of 10 in Decatur, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WCU Credit Union
Founded in 1948 as Wolverine Employees Credit Union, WCU Credit Union is a member owned and operated credit union that originated as part of Wolverine Tube Inc.
The credit union serves any and all individuals who live, work, or worship in Morgan and Lawrence counties.
- Headquarters
- 2505 Highway 31 S, Decatur, AL 35603-1503
- NCUA charter
- 61150
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any and all who live, work, or worship in Morgan and Lawrence counties.
Branches
2 branches in Alabama
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Alabama
2 branches
- WCU Credit UnionMain office2505 Highway 31 S, Decatur, AL 35603Directions
- WCU Credit Union26 Franklin Smith Rd, Moulton, AL 35650Directions
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 | 9.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio9.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ 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 WCU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.