2024 Overview
General Credit Union Information
Westby Co-op is an NCUA insured institution located in Westby, WI. It was founded in 1939 and has approximately $913.24 millions in assets.
Who can join?
You are eligible to be a WCCU member if you are an employee, member or patron of any cooperative operating in Vernon or Richland County; an employee of associations or organization of such cooperatives; if you reside or are employed in Vernon, Richland, Crawford, Sauk, Juneau, Monroe, Grant, Iowa, La Crosse, Adams, Columbia and Marquette Counties.
A public depositor, any employee of this credit union, and any member of the immediate family* of any other eligible person may become a member of the credit union in the manner provided in WCCU’s bylaws. Any organization or association may become a member of the credit union if a majority of the directors, owners or members thereof are eligible for membership in the credit union. In addition, any Organization or association that has a business located in any of the counties listed above is eligible for membership.
*Members of the immediate family include, but are not limited to, the spouse, parents, stepchildren and children of each person eligible to be a member of the credit union under paragraph #1 above, whether or not residing in the same household. The term also includes any other relative of any person eligible or of the spouse of the eligible person, if the relative resides in the same household as the person.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67208 |
| Date Established | 1939 |
| Assets | $913.24 million |
| Loans | $710.37 million |
| Deposits | $735.54 million |
| Capital | $133.27 million |
Field of Membership Restrictions
Membership is open to those who live or work in Vernon, Richland, Sauk, Juneau, Monroe, Grant, Iowa, La Crosse, Crawford, Adams, Marquette and Columbia Counties. Membership is also open to employees, patrons or members of any cooperative operating in Richland or Vernon Counties.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.35% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Awards Checking | 3.00% | $0 | $0.00 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Westby Co-op
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: 1907 |
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NMLS ID: 491986 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Westby Co-op
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Branches
Below are Westby Co-op 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:
Columbus,Ohio
Climate Policy and Initiatives
WESTBY CO-OP is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Westby Co-op Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Westby Co-op. 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
| Westby Co-op | U.S. Average |
|---|---|
| 4.39% | 6.97 |
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 December 31, 2023, Westby Co-op had $5,789,292 in non-current loans and $325,356 in owned assets. To cover these potential losses it had $133,266,721 in net worth and $6,172,697 in loans loss reserves. That gives it a Texas Ratio of 4.39%.
Net Worth
| Westby Co-op | U.S. Average |
|---|---|
| 14.59% | 13.62% |
Westby Co-op FCU has a net worth of 14.59% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Westby Co-op
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