Credit union · NCUA insured
Wichita Falls Federal Credit Union Savings Rates
Wichita Falls Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How Wichita Falls Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Wichita Falls Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wichita Falls Federal Credit Union
0.20%APY
- Minimum
- —
- Earns on $10,000 a year
- $20
Share Savings
Top rate
Peoples Bank & Trust Company
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
Wichita Falls Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Wichita Falls Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Savings
0.20%APY
Must maintain a minimum balance of $25.00. Grants full WFFCU membership. Earn dividends on balances of $50.00 or more (dividends earned daily, credited quarterly). No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum balance of $25.00. Earn dividends on balances of $50.00 or more.$50 and up | 0.20% | $20 | Must maintain a minimum balance of $25.00. Earn dividends on balances of $50.00 or more. |
Special Savings Accounts
0.20%APY
Customized savings accounts (e.g., Kid's Expenses, Vacation Savings, Car Care Savings, Home Needs, Tax Savings, Wedding Expenses). Can use payroll deductions.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.75%APY
Offers both Traditional and Roth IRAs. No fees on IRAs. Minimum opening balance is $500.00. Dividends are paid on a day-in/day-out basis and posted quarterly. Dividends are set by the Board of Directors at the end of each quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRAs. No fees on IRAs. Minimum opening balance is $500.00.Any balance | 0.75% | $75 | Traditional and Roth IRAs. No fees on IRAs. Minimum opening balance is $500.00. |
Kid's Account
0.20%APY
For children up to 12 years old. E-Statements required. Balance must be greater than $25.00 before any withdrawals can be made.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAccount opens with $10.00. Earns interest at $25.00. E-Statements required.$25 and up | 0.20% | $20 | Account opens with $10.00. Earns interest at $25.00. E-Statements required. |
Who can join Wichita Falls Federal Credit Union
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.
Membership information collected October 5, 2026.