Whatcom Educational Credit Union
Headquarters
Po Box 9750
Bellingham, WA 98227
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2025 Overview
General Credit Union Information
Whatcom Educational is an NCUA insured institution located in Bellingham, WA. It was founded in 1936 and has approximately $2957.17 millions in assets.
Who can join?
WECU membership is open to anyone who lives, works, worships or attends school in Washington, and relatives of all members.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66373 |
| Date Established | 1936 |
| Assets | $2,957.17 million |
| Loans | $2,461.05 million |
| Deposits | $2,365.80 million |
| Capital | $356.23 million |
Field of Membership Restrictions
Membership in Whatcom Educational Credit Union is open to anyone who lives, works, attends school, or worships in the state of Washington and to their family of current members.
Deposit Rates - July 6, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - July 6, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for Whatcom Educational
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.357% | 6.250% | 0.50 | $3,633 | $1,971 | Learn More |
NMLS ID: 401822 |
6.632% | 6.500% | 0.75 | $4,395 | $2,023 | Learn More |
NMLS ID: 3030 |
Learn More | |||||
NMLS ID: 401822 |
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Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Four Leaf Federal Credit Union See Table |
Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Note to Whatcom Educational
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Whatcom Educational 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:
New York City,New York
Whatcom Educational Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2620.16 | A | View Lobby Hours | |
| 2623.90 | B | View Lobby Hours | |
| 2627.64 | C | View Lobby Hours | |
| 2628.10 | D | View Lobby Hours | |
| 2629.02 | E | View Lobby Hours | |
| 2629.13 | F | View Lobby Hours | |
| 2629.54 | G | View Lobby Hours | |
| 2629.56 | H | View Lobby Hours | |
| 2631.62 | I | View Lobby Hours | |
| 2634.77 | J | View Lobby Hours | |
| 2644.96 | K | View Lobby Hours |
Climate Policy and Initiatives
WHATCOM EDUCATIONAL 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
Whatcom Educational Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Whatcom Educational. 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
| Whatcom Educational | U.S. Average |
|---|---|
| 5.08% | 7.07 |
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, 2024, Whatcom Educational had $17,595,059 in non-current loans and $1,083,098 in owned assets. To cover these potential losses it had $356,225,757 in net worth and $11,776,972 in loans loss reserves. That gives it a Texas Ratio of 5.08%.
Net Worth
| Whatcom Educational | U.S. Average |
|---|---|
| 12.04% | 14.25% |
Whatcom Educational FCU has a net worth of 12.04% versus the BestCashCow average of 14.25. 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 Whatcom Educational
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