W S S C Federal Credit Union

Headquarters

Po Box 1187
Laurel, MD 20707
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.00% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

W S S C is an NCUA insured institution located in Laurel, MD. It was founded in 1964 and has approximately $34.53 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 16268
Date Established	1964
Assets	$34.53 million
Loans	$18.81 million
Deposits	$31.16 million
Capital	$3.70 million

Field of Membership Restrictions

Membership is open to employees and retirees of the Washington Suburban Sanitary Commission and to WSSC Contractors and Licensed Plumber or Gas Fitters.

Deposit Rates - December 14, 2025

Your Current Location: South Carolina, SC 10007

We do not yet have rates for W S S C

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Loan Rates - December 14, 2025

Your Current Location: South Carolina, SC 10007

There are currently no loan rates available for W S S C

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - South Carolina 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.872%	5.750%	0.75	$4,277	$1,868	Learn More
NMLS ID: 1881674	5.975%	5.875%	0.75	$3,450	$1,893	Learn More
NMLS ID: 6606	6.218%	6.125%	1.00	$3,178	$1,945	Learn More

See More Mortgage Rates →

Featured - South Carolina Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

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Branches

Below are W S S C branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Camden,South Carolina

W S S C Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
WSSC FCU	385.75	A	View Lobby Hours

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Climate Policy and Initiatives

W S S C is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

W S S C Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of W S S C. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

W S S C	U.S. Average
7.54%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, W S S C had $285,799 in non-current loans and $14,418 in owned assets. To cover these potential losses it had $3,696,177 in net worth and $285,577 in loans loss reserves. That gives it a Texas Ratio of 7.54%.

Net Worth

W S S C	U.S. Average
10.69%	14.29%

W S S C FCU has a net worth of 10.69% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for W S S C

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