Ward County Credit Union’s primary purpose is to promote financial stability among the membership by providing loans at the least possible cost, paying a fair rate of return on savings, and providing helpful member service.

Ward County Credit Union is committed to the credit union philosophy of “people helping people” because we really do care about our members. Since Ward County Credit Union is a financial cooperative, owned by the members and not a handful of bank stockholders, this not-for-profit status allows us to offer competitive loan rates, excellent dividends and a variety of no and low-cost services.

Credit unions, like other financial institutions, are closely regulated, and operate in a very prudent manner. In addition, your money is secure at Ward County Credit Union. Every penny you have at Ward County Credit Union is insured, to at least $250,000, through the NCUA (National Credit Union Administration), a U.S. government agency.

Our Structure


Unlike banks, credit unions are member owned financial cooperatives.

When you join Ward County Credit Union, your initial deposit to open a share account establishes your membership and makes you a part-owner. Credit unions are democratically controlled, meaning as a member and part-owner, you have an equal say in how the institution is operated through your vote in the election of the Board of Directors. The dedicated individuals who serve as our Board of Directors are unpaid volunteers elected by and from the membership. They are an important part of Ward County Credit Union’s success by providing the support and guidance that allow us to offer competitive, innovative services and products.

Our History


A half-century ago, in 1956, Ward County Credit Union was founded in Monahans, Texas by a group of teachers and operated out of a class room during the school year and the volunteer manager’s kitchen table during the summer. The member deposits were then and are now used to make loans that benefit the members and the families we serve. Over the years, our schools AND our community have grown tremendously! In May 2005, the credit union was granted approval to grow our credit union as well. In addition to Ward County, we now reach out to those who live, work worship, or attend school in Brewster, Crane, Jeff Davis and Pecos Counties. Ward County Credit Union is very proud of our heritage, the foundation on which we started will always be the same, but we want our name to reflect our current membership and feel open to everyone who considers our credit union; therefore in 2015 we changed the name from Ward County Teachers Credit Union to Ward County Credit Union!

Contact Us

Phone: 432-943-3445
Email: creditunion@wardcountycreditunion.net
Hours: Monday – Friday: 9:00AM – 4:30PM (Lobby)
Monday – Friday: 8:00AM – 5:00PM (Drive-thru)

Physical & Mailing Address:
301 South Main Ave.
Monahans, TX 79756