WNC COMMUNITY CU is an NCUA-insured credit union located in Waynesville, NC. New auto loan rates from 6.51% APR. Google rating: 4.8 out of 5 from 22 reviews.

Wnc Community Cu

27 Kent Ln, Waynesville, NC 28786

NCUA Insured4.8 (22 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1946

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Waynesville, NC may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1946

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

27 Kent Ln

Waynesville, NC 28786

Google Maps 🗺Waze

(828) 456-1840

Service Area

This credit union is located in Waynesville and serves members in the NC area. Currently serving 4,038 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

6.51%

Used Auto Loan

6.70%

Personal Loan

12.55%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NC

Lowest rates currently reported by credit unions in NC (NCUA Q1 2026).

Self-Help— New Auto Loan

Durham, NC

2.49%

Internal Revenue Employees— Used Auto Loan

Greensboro, NC

2.90%

First Carolina People'S— Personal Loan

Goldsboro, NC

8.00%

First Carolina People'S— Credit Card APR

Goldsboro, NC

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Compare Rates in Waynesville

See how WNC COMMUNITY CU stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Waynesville →Best Personal Loan Rates in Waynesville →Best Credit Card Rates in Waynesville →All Credit Unions in Waynesville →

Member Reviews

4.8

22 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Thomas Dillon

2 years ago

As you'll notice with all of their reviews they excel at customer service. That's nice. However, from a technology and modern convenience standpoint they are very far behind. For very basic banking it's not bad but if you want modern connectivity or a stable platform for digital banking this isn't the place.

Lois Sinclair

a year ago

So glad I changed banks. This is a clean and great environment. These ladies are kind and helpful. A special shout out to Beth... She always remembers me even over the phone. Thank you all.

Rrickynsc

9 years ago

Best folks a bank can have. Not like the others.. The tellers, Julie, Beth, Harriet ( Hannah) and "the arm snatcher" (Elsa) at the drive up window are beyond the best in the business!! Love y'all!! I'm sure all the other staff are just as wonderful but these are the ones I deal with the most on a daily basis face to face.. Never had a bank treat their customers so good. THANKS Y'ALL!!!

School Administrator

9 years ago

I have been blessed with banking with WNC Community Credit Union since 1995. I would never go anywhere else. They are so patient with all of my children and even take the time to answer all of their financing questions and take them seriously. Once, we were turned down for a loan about 18 years ago because it would be too much of a financial strain after they calculated income and bills and the amount of the loan we were trying to get. NO big bankers have ever looked out for us the was WNC Community Credit Union has. I recommend them to everyone I talk to about banks. I LOVE our bank!

Lisa Greene

3 years ago

You feel like family from the moment you walk through the door. Everyone here is extremely nice and helpful. If you are looking for a small town bank with great customer service, I would definitely recommend WNCCCU.