Credit union · NCUA insured
WNC Community CU
A $94.2M credit union headquartered in Waynesville, NC, with 4,038 members and 1 branch in North Carolina. Best rates: CDs 3.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs643.00%for 3–8 monthsCD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WNC Community CU
Established in 1946 as Thoroughbred Credit Union and later named Dayco Credit Union, the institution became WNC Community Credit Union in 1997.
Originally founded to serve Dayco plant employees in Waynesville, North Carolina, it now serves individuals and families across Haywood and Jackson Counties.
- Headquarters
- 27 Kent Ln, Waynesville, NC 28786-6099
- NCUA charter
- 66854
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, or worships in Haywood and Jackson Counties.
Branches
1 branch in North Carolina
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North Carolina
1 branch
- WNC Community CUMain office27 Kent Ln, Waynesville, NC 28786Directions
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 | 17.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.28% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $84 | $59 | — |
- CapitalNet worth ratio17.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.28%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$84Peers’ 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 WNC Community CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.