Credit union · NCUA insured
Wichita Falls Federal Credit Union
A $34.9M credit union headquartered in Wichita Falls, TX, with 2,766 members and 2 branches in Texas. Best rates: CDs 3.76% and savings 0.20% APY.
Wichita Falls Federal Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#3 of 13 in Wichita Falls, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wichita Falls Federal Credit Union
Founded in 1949, Wichita Falls Federal Credit Union is a not-for-profit credit union owned by its members.
The credit union operates branches in Wichita Falls, Texas.
- Headquarters
- 3410 McNiel Ave, Wichita Falls, TX 76308
- NCUA charter
- 6317
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Century Construction are eligible for membership.
- Employees of TB Electrical are eligible for membership.
Military, government and schools
- Members of the Wichita Falls City Council are eligible for membership.
- Employees of Wichita County Appraisal District are eligible for membership.
- Employees of the City of Wichita Falls are eligible for membership.
- Employees of Wichita Falls City/County Health Unit are eligible for membership.
7 more ways to join
Military, government and schools
- Employees of Wichita Falls Housing Authority are eligible for membership.
- Employees of Lakeside City are eligible for membership.
- Employees of Wichita County Water District 2 are eligible for membership.
Family and household
- Family members by blood or marriage (excluding cousins) of eligible individuals qualify for membership.
- Household members of existing account holders are eligible for membership.
- Spouses of individuals who died while in an eligible field of membership qualify for membership.
Other ways
- Persons retired from the qualifying fields of membership are eligible for membership.
Cost to join
- An initial deposit of at least $25.00 is required to open and maintain the Share Savings Account for membership.
Branches
2 branches in Texas
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Texas
2 branches
- WFFCU - McNielMain office3410 McNiel Ave, Wichita Falls, TX 76308Directions
- WFFCU - Seymour2100 Seymour Hwy, Wichita Falls, TX 76301Directions
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 | 11.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.83% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $69 | $59 | — |
- CapitalNet worth ratio11.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$69Peers’ 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 Wichita Falls Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.