Wescom Central


123 S Marengo Ave
Pasadena, CA 91101
See all branch locations →

Phone 1-888-493-7266

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.20% 0.70% →
2-Year CD 0.50% 0.75% →
5-Year CD 0.85% 1.15% →
30-Year Mortgage 3.80% 2.72% →
15-Year Mortgage 3.34% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Wescom Central is an NCUA insured institution located in Pasadena, CA. It was founded in 1934 and has approximately $4502.29 millions in assets.

Who can join?

Membership Information

Individuals: You’re eligible to join Wescom if you live, work, worship, or go to school in Los Angeles, Orange, Riverside, San Bernardino, Ventura, San Diego, or Santa Barbara counties. Visit any one of our 28 branches to open a new account.

You are also eligible if you are a family member (spouse, domestic partner, sibling, parent, child, grandparent, grandchild, aunt, uncle, niece, or nephew) of a Wescom Credit Union member in good standing.

NCUA Insured Yes / State-Chartered
Charter Number # # 66703
Date Established 1934
Assets $4,502.29 million
Loans $2,100.16 million
Deposits $3,953.21 million
Capital $370.13 million

Field of Membership Restrictions

Membership in Wescom Credit Union is open to those who live, work, attend school or worship in Orange, Los Angeles, San Bernadino, Riverside, San Diego, Ventura, or Santa Barbara Counties in California and to employees of the credit union's Select Employer Group.

Deposit Rates - June 15, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.20% $10,000 $14,999 Learn More
12 Mo CD
0.20% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.85% $10,000 $14,999 Learn More
60 Mo CD
0.85% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.15% $1 $499 Learn MoreShow Less

Loan Rates - June 15, 2021

Your Current Location: California, CA 92111

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.74% 2.74% $724.17
4 Year 2.74% 2.74% $550.49
5 Year 2.74% 2.74% $446.33
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Below are Wescom Central 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:
San Diego,California

Wescom Central Locations

Financial Details

Wescom Central Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wescom Central. 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
Wescom Central U.S. Average
1.25% 5.40

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, 2020, Wescom Central had $4,642,425 in non-current loans and $214,769 in owned assets. To cover these potential losses it had $370,133,887 in net worth and $19,239,825 in loans loss reserves. That gives it a Texas Ratio of 1.25%.

Net Worth
Wescom Central U.S. Average
8.22% 12.67%

Wescom Central FCU has a net worth of 8.22% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Wescom Central

Branches and Savings

What is Wescom Central?

A credit union, registered with the NCUA under certificate #66703.
Learn more about credit unions here.

Is Wescom Central FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Wescom Central is insured by the NCUA.

Who can join Wescom Central?

Please see Field of Membership information above for information on who is eligible to join.

What are Wescom Central's share account and share certificate rates?

Wescom Central's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Wescom Central?

Wescom Central has total capital of $370.13 million. Full information on Wescom Central's financial position is located above.

Who owns Wescom Central?

Credit Unions are owned by their members.

Where are Wescom Central branches located?

See branch locations nearby.

Are Wescom Central ATMs Open 24/7?

Do Wescom Central ATMs accept cash deposits?

Can Wescom Central customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Wescom Central have a mobile app?

Does Wescom Central have mobile deposit?

Does Wescom Central have quick pay?

How can Wescom Central transfer money to other banks or credit unions?

Does Wescom Central report to credit bureaus?

Does Wescom Central use Chexsystems?

Does Wescom Central use Equifax?

What is Wescom Central's toll free phone number?

What is Wescom Central's ACH Routing Number?

What is Wescom Central's SWIFT code?

Where can I find Wescom Central's wire transfer form?

What is the Wescom Central address for deposits?

What Products Does Wescom Central Offer

Does Wescom Central offer mortgages?

Compare mortgage rates here.

Does Wescom Central offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wescom Central offer auto and RV loans?

Compare auto loan rates here.

Does Wescom Central offer student loans or personal loans?

Compare personal loan rates here.

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