Washington State Employees Credit Union Lacey WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to the Washington State Employees Credit Union, your trusted financial partner since 1957. Located at 4540 6Th Ave Se, Lacey, WA 98503, we are proud to serve a vibrant community with over 319,722 members. Our commitment goes beyond just numbers; it's about building lasting relationships and supporting your financial journey. At Washington State Employees, we understand that life brings many financial challenges and opportunities. That's why we've grown our total assets to an impressive $5,255,760,569 and offer a wide array of services tailored to meet your needs from personal banking and auto loans to business financing. With our total deposits reaching $40,239,212, you can trust us to keep your money safe while helping it grow. While members can visit us at our Lacey branch for all their banking needs, official correspondence should be sent to our mailing address: PO BOX WSECU, Olympia, WA 98507. Our dedicated team of 833 employees, led by CEO Gary Swindler and Board President Veronica Bronkema, is here to ensure you receive the best service possible. We invite you to explore what we have to offer. Whether you're looking for guidance on loans or simply want to ask questions about your account, don't hesitate to reach out. Call us at 800-562-0999 or visit our website at wsecu.org for more information. Together, let's take the next step toward achieving your financial goals!

Branch History & Mission

Join Us

We invite you to experience the difference at WSECU. Whether you're looking for personal banking solutions or business services, you'll find everything you need under one roof with friendly faces ready to assist you. Stop by during our lobby hours from Monday through Friday from 9:00 am to 5:30 pm or Saturday from 9:30 am to 2:00 pm. You can also reach us anytime at 800-562-0999. Join us today and become part of a community-focused credit union that prioritizes your needs!

Our Journey

WSECU began with a simple vision: to empower the hard-working employees of Washington State by providing them with accessible financial resources. Our humble beginnings set the stage for a journey filled with milestones that reflect our dedication to member service and community engagement. From our first savings accounts to expanding our loan offerings, we have continuously adapted to meet the evolving needs of our members. As we established ourselves in Lacey, we became not just a financial institution but also a vital part of the local community. With each passing year, our membership grew, leading us to enhance our services and embrace technological advancements. Today, we offer a wide range of products including auto loans, mortgages, credit cards with rewards, and robust online banking options.

Our Mission

At WSECU, our mission is clear: we strive to enhance the lives of our members by delivering high-quality financial services while fostering community support. We are dedicated to making banking easier and more convenient through features like mobile payments and 24/7 ATM access. Our team is committed to ensuring that every member feels valued and supported on their financial journey. We believe in giving back to the communities we serve. Through partnerships and outreach initiatives, we aim to make a positive impact beyond banking. Whether it's sponsoring local events or supporting charitable organizations, we take pride in being an active participant in making Lacey and surrounding areas better places to live. While members can visit us at 4540 6Th Ave Se Lacey Wa 98503, official correspondence should be sent to PO Box WSECU in Olympia, WA 98507.

Branch Location & Accessibility

Accessibility and Parking

Our branch is equipped with accessible features to ensure everyone can enjoy their banking experience. From ADA-compliant ramps to ample parking spaces, we strive to make your visit as comfortable as possible. Plus, our drive-thru service allows you to handle transactions without leaving your vehicle perfect for those busy days!

Get In Touch

If you have questions or need assistance, don't hesitate to call us at 800-562-0999. We're always happy to help! We invite you to stop by our branch in Lacey and experience our commitment to serving the community firsthand. Your financial journey is important to us, and we're here every step of the way!

Operating Hours

We're here for you during convenient hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:30 AM to 2:00 PM. Our drive-thru operates on the same schedule as the lobby, ensuring you have consistent access whenever you need it.

Services Offered

At Washington State Employees Credit Union, we offer a comprehensive range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATMs are available around the clock for quick cash withdrawals and balance checks. While we don't currently offer shared branching services at this location, you can still take advantage of our drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At Washington State Employees, we believe that everyone deserves a chance to be part of a supportive community that prioritizes their financial well-being. Becoming a member is straightforward and welcoming! If you live, work, or attend school in Washington State, you're likely eligible to join us. This opens the door to a range of personalized services tailored just for you. Membership not only gives you access to competitive rates on loans and savings but also connects you with a network that genuinely cares about your financial journey. To take the next step towards joining Washington State Employees, simply visit us at our branch located at 4540 6Th Ave Se Lacey Wa 98503 or give us a call at (800) 562-0999. For more detailed eligibility criteria, feel free to check out our website at . Once you're ready, opening an account is easy; just follow this link: https://digital.wsecu.org/banking/self-enrollment. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $419 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $644,394,602, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine a busy Saturday at your store: customers are lined up, excited to purchase your latest products. Our merchant services help you accept payments easily and securely, whether through credit cards or mobile payments. This means less waiting for your customers and more time for you to focus on what you do best running your business. Located at 4540 6Th Ave Se Lacey Wa 98503 in Lacey, WA, our team is ready to help you explore the possibilities of growing your business. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking Services

We also cater to businesses with our comprehensive banking solutions. From merchant services that simplify transactions to business loans designed for growth, we are committed to supporting local enterprises. Our team understands the unique challenges businesses face and strives to provide tailored solutions.

Community Focused Approach

At Washington State Employees, we believe in building lasting relationships with our members. Our commitment extends beyond just banking; we aim to be a vital part of the community in Lacey and surrounding areas. We invite you to explore all that we have to offer by visiting us at our branch or calling us at 800-562-0999. Discover how we can assist you in achieving your financial goals today! Your financial journey is important to us let's take the next steps together!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Washington State Employees offers robust online and mobile banking options. You can manage your accounts from anywhere at any time! Need to withdraw cash? Our ATMs provide easy access for withdrawals and balance checks, ensuring you're never left in a pinch. If you prefer face-to-face service, our drive-thru allows for quick deposits and withdrawals without leaving your car. With lobby hours from Monday through Friday 9:00 am - 5:30 pm and Saturday 9:30 am - 2:00 pm, we're here when you need us most.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine having a secure place for your funds with easy access when you need it. Our auto loans and vehicle financing options make purchasing a car more affordable than ever. If homeownership is your goal, consider our mortgage loans and refinancing options to help you achieve that dream. For those unexpected expenses or plans, our personal loans and debt consolidation services can give you the flexibility you need to manage your finances effectively. And don't forget about our credit cards with rewards perfect for those who want to earn while they spend.

Digital & Online Banking

Accessibility Anytime, Anywhere

Our services are designed to be user-friendly. Even if you're new to online banking, you'll find navigating through our features straightforward. With mobile payments available and an app that puts banking right at your fingertips, managing your money has never been easier. Join us today at Washington State Employees and discover how our digital banking services can simplify your financial life!

Key Features

With just a few clicks, you can access our online banking platform at https://wsecu.org/. This means checking your account balance, transferring funds, and paying bills can all be done from the comfort of your home or wherever you are. Our 24/7 online banking services ensure that you have access to your accounts whenever you need it, allowing for real-time management of your finances.

Security and Convenience

Security is a top priority for us. We utilize electronic signature authorization to keep your transactions safe and secure. Plus, with e-statements available, you can keep track of your financial activity without the clutter of paper statements. Our mobile application further enhances your experience by enabling mobile payments and person-to-person transfers so sending money to friends or family is quick and hassle-free.

Financial Strength

At Washington State Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on being a reliable partner in your financial journey, ensuring you can trust us with your hard-earned money. With a net worth of $482,794,019, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 918 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,304,527,411 in share certificates and $710,615,725 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $19,992,685, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $472,736,945 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust with $37,830 in used auto loans and a total of $4,251,401,593 in loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 782 full-time employees and 51 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at an impressive 627,578, showcasing a strong and growing member base that trusts us with their finances. Our net shares available for lending currently sit at $0, emphasizing our commitment to putting our members first. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Washington State Employees is your trusted partner. Visit us at 4540 6Th Ave Se Lacey Wa 98503 or call 800-562-0999 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $691,436,541 in used vehicle loans and $471,635,194 in new vehicle loans already helping members get on the road. We make the process straightforward and accessible, ensuring you can find a plan that fits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $332,988,335, make buying or refinancing simple. We provide various mortgage solutions tailored to meet your specific needs and help you navigate the path to owning your home.

Other Loan Options

In addition to these offerings, we also provide substantial financing for personal projects through our unsecured credit lines totaling $1,741,723,013. Whether it's for debt consolidation or unexpected expenses, our team is here to guide you through all available options. If you're considering refinancing any existing loans or looking for eligibility options tailored to your situation, don't hesitate to ask our staff during your visit or call us directly. Our commitment is not just about providing loans; it's about building lasting relationships with our members and empowering them financially. Visit us today at Washington State Employees and explore how we can assist you in reaching your financial aspirations. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. With a total of $269,914,266 in loans helping members manage their finances effectively, our credit card options come with competitive terms and rewards that make every purchase more beneficial.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing from reputable institutions ensures that all loan offers presented are fair and transparent. Users can trust that they are viewing legitimate options tailored to their financial needs.