Whatcom Educational Credit Union

Headquarters

Po Box 9750
Bellingham, WA 98227
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 4.35% →
1-Year CD 0.75% 5.00% →
2-Year CD 0.75% 4.75% →
5-Year CD 0.75% 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Whatcom Educational is an NCUA insured institution located in Bellingham, WA. It was founded in 1936 and has approximately $2635.82 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 $2,635.82 million
Loans $1,867.26 million
Deposits $2,182.47 million
Capital $313.86 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 - January 28, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.75% $10,000 $14,999 Learn More
36 Mo CD
0.75% $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
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 28, 2023

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PADDIO
NMLS ID: 1907
6.048% 5.875% 0.88 $4,688 $1,479 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
Learn More
MortgageResearch.com
NMLS ID: Not lender
Learn More
Eligibility.org
NMLS ID: Not lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.990 %
After Intro: 8.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 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:
Ashburn,Virginia


Whatcom Educational Locations



Climate 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.

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
0.88% 4.63

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, 2022, Whatcom Educational had $2,561,631 in non-current loans and $297,360 in owned assets. To cover these potential losses it had $313,864,762 in net worth and $10,710,309 in loans loss reserves. That gives it a Texas Ratio of 0.88%.

Net Worth
Whatcom Educational U.S. Average
11.91% 12.52%

Whatcom Educational FCU has a net worth of 11.91% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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