Dedicated to Serving You

Nestled in the mountains of western North Carolina, WNC Community Credit Union is the area’s best kept financial secret.

Online Banking

Our Promise

WNC Community Credit Union is dedicated to better serving the people of our community in western North Carolina with a complete line of financial services. Inside our Waynesville location are friendly, smiling faces taking the time to personally care for each member’s financial needs. You’ll find at WNC Community Credit Union our members are more than just another number – you’re the OWNER.

Financial Services & Products

Share Draft Checking

The Share Draft Checking (SDC) Account is a non-interest bearing demand deposit account that provides members with a convenient source of handling their personal financial affairs.

Share Savings Account

We offer competitive deposit rates and friendly hometown service. Opening a Share Savings Account is easy. It only takes $25.00, and your savings account is insured up to $250,000.

Individual Retirement Account

We offer three different Individual Retirement Accounts: Roth, Traditional, and Educational. There are different requirements, contribution amounts and tax advantages for each IRA.

Auto & Mortgage Loans

Helping our members finance (or refinance) their homes and cars is our great privilege. We work closely with you to secure a competitive rate and the right terms for your financial situation.


We’ve partnered with TruStage Insurance to offer discounts to our members on a variety of insurance needs including Life, Auto, Home and Accidental Death & Dismemberment policies.

Rates of Deposit

Regular Savings

1.05% Rate

1.06% APY

Christmas Club

0.00% Rate

0.00% APY


2.05% Rate

2.07% APY

Share Certificate

$2,500 Minimum

1.05% APY

(Rates subject to change)

Randall Crawford
Waynesville Location
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Smiling Faces


In Your Corner

Smiling Faces Helping You

Serving Our Community Since

Your New Website

We've redesigned from the ground up to provide a better experience for our community. Members can now use their favorite mobile device as now conforms to your screen of choice. We've also improved accessibility for all by incorporating the latest...

Federally Insured Savings

The National Credit Union Share Insurance Fund is the federal fund created by Congress in 1970 to insure member's deposits in federally insured credit unions such as WNC Community Credit Union. Administered by the National Credit Union Administration (NCUA), this...

Credit Union Holidays

January 1 – New Year’s Day
January 15 – MLK Day
April 2 – Easter
May 28 – Memorial Day
July 4 – Independence Day
September 3 – Labor Day
November 22-23 – Thanksgiving
December 25-26 – Christmas

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