Whatcom Educational Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Blaine Branch	1773 H St, Blaine, WA 98230	View Lobby Hours
Everson Branch	106 W Main St, Everson, WA 98247	View Lobby Hours
Fountain Branch	2625 Meridian St, Bellingham, WA 98225	View Lobby Hours
Sunset Branch	3061 Orleans St, Bellingham, WA 98226	View Lobby Hours
Bellis Fair Mall	1 Bellis Fair Pkwy, Bellingham, WA 98226	View Lobby Hours
Fairhaven Branch	1225 Harris Ave, Bellingham, WA 98225	View Lobby Hours
Sudden Valley Branch	1945 Lake Whatcom Blvd, Bellingham, WA 98229	View Lobby Hours
Holly (Main Office)	600 E Holly St, Bellingham, WA 98225	View Lobby Hours
Lynden Front Street Branch	2045 Front St, Lynden, WA 98264	View Lobby Hours
Birchwood Branch	1600 Birchwood Ave, Bellingham, WA 98225	View Lobby Hours
Ferndale Branch	5659 Barrett Rd, Ferndale, WA 98248	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.128%	6.000%	0.88	$4,400	$1,919	Learn More
NMLS ID: 135622 License#: 233759	6.239%	6.125%	0.88	$3,895	$1,945	Learn More
NMLS ID: 2578474	6.319%	6.250%	0.38	$2,349	$1,971	Learn More
NMLS ID: 1025894	6.572%	6.490%	0.63	$2,748	$2,021	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Achieve Loans See Table	Intro APR 9.250 % After Intro: 9.250 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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