WESTBY CO-OP

Headquarters

P O BOX 70
Westby, WI 54667
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.60% →
1-Year CD 1.00% 1.55% →
2-Year CD 1.00% 1.45% →
5-Year CD 1.25% 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 $547.3 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
Charter Number # # 67208
Date Established 1939
Assets $547.30 million
Loans $442.37 million
Deposits $443.57 million
Capital $93.10 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 - June 4, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.25% $50 - Learn More
Money Market
0.35% $2,500 $9,999 Learn More
Money Market
0.45% $10,000 $24,999 Learn More
Money Market
0.55% $25,000 $99,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $10,000 - Learn More
6 Mo CD
0.50% $10,000 - Learn More
12 Mo CD
1.00% $10,000 - Learn More
18 Mo CD
0.90% $10,000 - Learn More
24 Mo CD
1.00% $10,000 - Learn More
36 Mo CD
1.00% $10,000 - Learn More
48 Mo CD
1.10% $10,000 - Learn More
60 Mo CD
1.25% $10,000 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $50 $9,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.95% $500 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $500 - Learn MoreShow Less
Checking Rates APY MIN FEE
Awards Checking 2.75% $0 $0.00 Learn MoreShow Less

Loan Rates - June 4, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.019% 3.000% 0.25 $625 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to WESTBY CO-OP
To upload and update your bank's rates please register. It is free to register and add rates.



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:
Ashburn,Virginia


Westby Co-op Locations


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
4.65% 5.92

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 September 30, 2019, Westby Co-op had $4,296,465 in non-current loans and $214,919 in owned assets. To cover these potential losses it had $93,102,181 in net worth and $3,936,456 in loans loss reserves. That gives it a Texas Ratio of 4.65%.

Net Worth
Westby Co-op U.S. Average
17.01% 13.86%

Westby Co-op FCU has a net worth of 17.01% versus the BestCashCow average of 13.86. 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 Westby Co-op

Branches and Savings

What is Westby Co-op?

A federal credit union, registered with the NCUA under certificate #67208.
Learn more about credit unions here.

Is Westby Co-op FDIC insured?

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

Who can join Westby Co-op?

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

What are Westby Co-op's share account and share certificate rates?

Westby Co-op'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 Westby Co-op?

Westby Co-op has total capital of $93.10 million. Full information on Westby Co-op's financial position is located above.

Who owns Westby Co-op?

Credit Unions are owned by their members.

Where are Westby Co-op branches located?

See branch locations nearby.

Are Westby Co-op ATMs Open 24/7?

Do Westby Co-op ATMs accept cash deposits?

Can Westby Co-op customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Westby Co-op have a mobile app?

Does Westby Co-op have mobile deposit?

Does Westby Co-op have quick pay?

How can Westby Co-op transfer money to other banks or credit unions?

Does Westby Co-op report to credit bureaus?

Does Westby Co-op use Chexsystems?

Does Westby Co-op use Equifax?

What is Westby Co-op's toll free phone number?

What is Westby Co-op's ACH Routing Number?

What is Westby Co-op's SWIFT code?

Where can I find Westby Co-op's wire transfer form?

What is the Westby Co-op address for deposits?

What Products Does Westby Co-op Offer

Does Westby Co-op offer mortgages?

Compare mortgage rates here.

Does Westby Co-op offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Westby Co-op offer auto and RV loans?

Compare auto loan rates here.

Does Westby Co-op offer student loans or personal loans?

Compare personal loan rates here.

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