Wescom Central Credit Union
Headquarters
123 S Marengo Ave
Pasadena, CA 91101
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Phone 1-888-493-7266
2024 Overview
General Credit Union Information
Wescom Central is an NCUA insured institution located in Pasadena, CA. It was founded in 1934 and has approximately $5820.5 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 | $5,820.50 million |
| Loans | $3,200.02 million |
| Deposits | $4,262.26 million |
| Capital | $479.17 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 - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
1.25% | $2,500 | $9,999 |
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|
Money Market
|
1.30% | $10,000 | $24,999 |
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|
Money Market
|
1.35% | $25,000 | $49,999 |
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|
Money Market
|
1.40% | $50,000 | $99,999 |
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|
Money Market
|
1.60% | $100,000 | $249,999 |
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|
|
Money Market
|
1.90% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Platinum Signature Member 3-Month (90 to 179 days)
|
2.50% | $500 | - |
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|
| Platinum Signature Member 6-Month (180 to 364 days)
|
5.25% | $500 | - |
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| Platinum Signature Member 12-Month (12 to 17 months)
|
4.00% | $500 | - |
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| Platinum Signature Member 18-Month (18 to 23 months)
|
4.00% | $500 | - |
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|
| Platinum Signature Member 24-Month (24 to 35 months)
|
4.00% | $500 | - |
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|
| 36-month College Saver
|
4.00% | $250 | - |
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| Platinum Signature Member 36-Month (36 to 47 months)
|
4.00% | $500 | - |
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| Platinum Signature Member 48-Month (48 to 59 months)
|
4.00% | $500 | - |
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| Platinum Signature Member 60-Month
|
4.00% | $500 | - |
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|
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
4.75% | 4.75% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| 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 | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.34% | 6.63% | $2,050.05 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.34% | 6.88% | $2,103.24 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.21% | 7.00% | $2,128.97 | |
| 15 Year Fixed Conforming See Amortization Table |
6.83% | 6.75% | $2,831.71 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.84% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.19% | 7.13% | $2,505.99 | |
| 30 Year Fixed Conforming See Amortization Table |
7.30% | 7.25% | $2,182.96 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.30% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.34% | 6.63% | $2,050.05 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.34% | 6.88% | $2,103.24 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.21% | 7.00% | $2,128.97 | |
| 15 Year Fixed Conforming See Amortization Table |
6.83% | 6.75% | $2,831.71 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.84% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.19% | 7.13% | $2,505.99 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.30% | 7.25% | $2,182.96 | |
Compare with 6.818% APR and 6.625% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.30% | 7.25% | $2,182.96 | |
|
Compare with 6.818% APR and 6.625% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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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.
Branches
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:
Columbus,Ohio
Climate Policy and Initiatives
WESCOM CENTRAL 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
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 |
|---|---|
| 2.14% | 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, Wescom Central had $10,187,210 in non-current loans and $214,769 in owned assets. To cover these potential losses it had $479,168,080 in net worth and $6,110,324 in loans loss reserves. That gives it a Texas Ratio of 2.14%.
Net Worth
| Wescom Central | U.S. Average |
|---|---|
| 8.2% | 13.62% |
Wescom Central FCU has a net worth of 8.2% 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 Wescom Central
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