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Walton County Teachers Credit Union Share
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Overview Share
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Walton County Teachers Credit Union is a federal credit union based in Defuniak Spring, Florida. It has been opened since 1961, for 61 years.

With around $20,990,000 in assets, Walton County Teachers Credit Union is considered to be a medium size credit union. It has 1 branches and 1 ATM locations.

About Share
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Address Walton County Teachers Fcu, 1586 US
Defuniak Spring, Florida 32433
Website http://waltoncountyteachersfcu.com
Phone (850) 892-2024
CEO Becky S. Pitts
President of the Board Dawn Manning
Services Offered
Score Card Share
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61 years
Years in business
Opened in 1961
Well Capitalized
Net worth classification
Source: NCUA
3,306 members
Membership type: Community credit union
Average number of members
389:1
Credit union member to staff ratio
389 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$20,994,689
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
9.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 7 in Florida
Above average number of branches
Walton County Teachers Credit Union Branch Locations

Walton County Teachers Federal Credit Union
Walton County Teachers Fcu
1586 US Highway 90 W.
Defuniak Springs, Florida 32433
ATM Available
Members Share
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3,306 members
Membership type: Community credit union
Average number of members

With 3,306 members, the Walton County Teachers Credit Union is considered to be a medium size credit union. It is larger than 47% of credit unions.

Fees Share
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$146
Average fee per member
The average fee per member at the Walton County Teachers Credit Union is $146, which is very high compared to most credit unions. This rate is higher than 96% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Walton County Teachers Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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389:1
Credit union member to staff ratio
389 per each FTE employee
Compared to 411:1 nationally
Average number of staff
8 staff members
FTE (full-time equivalent)
11% of employees are part-time
8 full-time, 1 part-time

Walton County Teachers Credit Union has 8 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 89% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Walton County Teachers Credit Union has around 389 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$20,994,689
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,405
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 75% of credit unions.

Walton County Teachers Credit Union holds a total of $8,890,000 in loans and leases, which is about $7,405 per member on average.

Savings interest rate Share
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0.15%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Walton County Teachers Credit Union pays 0.15%.

Loan rates Share
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9.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.50%
New car loan rate
Compared to 4.0% nationally
5.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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9.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
9.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Walton County Teachers Federal Credit Union ATM
Credit Union ATM: Walton County Teachers Fcu
1586 US Highway 90 W.
Defuniak Springs, Florida 32433
Walton County Teachers Federal Credit Union
Credit Union Branch: Walton County Teachers Fcu
1586 US Highway 90 W.
Defuniak Springs, Florida 32433 ATM Available