2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68578
Date Established 1952
Assets $340.74 million
Loans $207.85 million
Deposits $287.10 million
Capital $48.68 million
 

Wanigas is an NCUA insured institution located in Saginaw, MI. It was founded in 1952 and has approximately $340.74 millions in assets.

Who can join?

Members and immediate families of:

a. Anyone who lives, works, worships, attends school or has a business or other legal entity in these State of Michigan counties: Bay, Clare, Gladwin, Gratiot, Isabella, Midland, Osceola, Saginaw or Tuscola counties.
b. Employees of Wanigas Credit Union
c. Volunteers in the above mentioned communities.

A spouse of a deceased member if accepted into the membership prior to remarriage.

Anyone who receives a retirement annuity, pensions, social security or similar retirement payment from private or government sources and lives in, or belongs to, a retirement organization located in the above counties.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in any county in Michigan's Lower Peninsula.

Deposit Rates - October 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $5 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.66% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
1.16% $500 - Learn MoreShow Less
6 Mo CD
1.41% $500 - Learn MoreShow Less
12 Mo CD
1.66% $500 - Learn MoreShow Less
24 Mo CD
2.17% $500 - Learn MoreShow Less
36 Mo CD
2.22% $500 - Learn MoreShow Less
48 Mo CD
2.43% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.00% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $24,999 Learn MoreShow Less

Loan Rates - October 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WANIGAS

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.523% 3.500% 0.25 $732 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to WANIGAS
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Wanigas 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:
Ashburn,Virginia


Wanigas Locations


Financial Details

Wanigas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wanigas. 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
Wanigas U.S. Average
2.16% 5.86

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, 2019, Wanigas had $881,354 in non-current loans and $199,204 in owned assets. To cover these potential losses it had $48,684,392 in net worth and $1,234,396 in loans loss reserves. That gives it a Texas Ratio of 2.16%.

Net Worth
Wanigas U.S. Average
14.28% 13.65%

Wanigas FCU has a net worth of 14.28% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Wanigas

Branches and Savings

What is Wanigas?

A federal credit union, registered with the NCUA under certificate #68578.
Learn more about credit unions here.

Is Wanigas FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Wanigas?

Please see Field of Membership information above for information on who is eligible to join.

What are Wanigas's share account and share certificate rates?

Wanigas's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Wanigas?

Wanigas has total capital of $48.68 million. Full information on Wanigas's financial position is located above.

Who owns Wanigas?

Credit Unions are owned by their members.

Where are Wanigas branches located?

See branch locations nearby.

Are Wanigas ATMs Open 24/7?

Do Wanigas ATMs accept cash deposits?

Can Wanigas customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Wanigas have a mobile app?

Does Wanigas have mobile deposit?

Does Wanigas have quick pay?

How can Wanigas transfer money to other banks or credit unions?

Does Wanigas report to credit bureaus?

Does Wanigas use Chexsystems?

Does Wanigas use Equifax?

What is Wanigas's toll free phone number?

What is Wanigas's ACH Routing Number?

What is Wanigas's SWIFT code?

Where can I find Wanigas's wire transfer form?

What is the Wanigas address for deposits?

What Products Does Wanigas Offer

Does Wanigas offer mortgages?

Compare mortgage rates here.

Does Wanigas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wanigas offer auto and RV loans?

Compare auto loan rates here.

Does Wanigas offer student loans or personal loans?

Compare personal loan rates here.

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