PO BOX 2237
Williston, ND 58802
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Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.60% →
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

Western Cooperative is an NCUA insured institution located in Williston, ND. It was founded in 1938 and has approximately $351.09 millions in assets.

Who can join?

Western Cooperative Credit Union is a community-chartered credit union. In order to qualify for membership, the individual or business must be located within the field of membership, which is:
• a 75-mile radius around Williston, ND; or
• a 50-mile radius around Dickinson, ND; or
• a 50-mile radius around Hebron, ND; or
• a 75-mile radius around Beach, ND; or
• a 50-mile radius around Glen Ullin, ND; or
• a 75-mile radius around Ray, ND.
• Those belonging to a member's family, including: spouses, children, stepchildren, parents, siblings, grandparents, grandchild, stepparents, stepsiblings and adoptive relationships.

NCUA Insured Yes
Charter Number # # 61758
Date Established 1938
Assets $351.09 million
Loans $201.56 million
Deposits $309.35 million
Capital $42.84 million

Field of Membership Restrictions

Membership is open to anyone within a 75-mile radius around Williston, North Dakota, a 50-mile radius around Hebron, North Dakota, a 75-mile radius around Beach, North Dakota, a 75-mile radius around Ray, North Dakota, or a 50-mile radius around Dickenson, North Dakota.

Deposit Rates - July 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $300 $9,999 Learn More
Money Market
0.05% $2,500 - Learn More

Variable IRA Rates APY MIN MAX
0.20% $1 - Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for WESTERN COOPERATIVE

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
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $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

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Below are Western Cooperative 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:

Western Cooperative Locations

Financial Details

Western Cooperative Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Western Cooperative. 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
Western Cooperative U.S. Average
2.05% 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, Western Cooperative had $586,751 in non-current loans and $351,880 in owned assets. To cover these potential losses it had $42,838,304 in net worth and $3,023,729 in loans loss reserves. That gives it a Texas Ratio of 2.05%.

Net Worth
Western Cooperative U.S. Average
12.2% 13.86%

Western Cooperative FCU has a net worth of 12.2% 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 Western Cooperative

Branches and Savings

What is Western Cooperative?

A federal credit union, registered with the NCUA under certificate #61758.
Learn more about credit unions here.

Is Western Cooperative 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 Western Cooperative?

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

What are Western Cooperative's share account and share certificate rates?

Western Cooperative'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 Western Cooperative?

Western Cooperative has total capital of $42.84 million. Full information on Western Cooperative's financial position is located above.

Who owns Western Cooperative?

Credit Unions are owned by their members.

Where are Western Cooperative branches located?

See branch locations nearby.

Are Western Cooperative ATMs Open 24/7?

Do Western Cooperative ATMs accept cash deposits?

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

Does Western Cooperative have a mobile app?

Does Western Cooperative have mobile deposit?

Does Western Cooperative have quick pay?

How can Western Cooperative transfer money to other banks or credit unions?

Does Western Cooperative report to credit bureaus?

Does Western Cooperative use Chexsystems?

Does Western Cooperative use Equifax?

What is Western Cooperative's toll free phone number?

What is Western Cooperative's ACH Routing Number?

What is Western Cooperative's SWIFT code?

Where can I find Western Cooperative's wire transfer form?

What is the Western Cooperative address for deposits?

What Products Does Western Cooperative Offer

Does Western Cooperative offer mortgages?

Compare mortgage rates here.

Does Western Cooperative offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Western Cooperative offer auto and RV loans?

Compare auto loan rates here.

Does Western Cooperative offer student loans or personal loans?

Compare personal loan rates here.

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