Westby Co-op Credit Union Lake Delton WI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Westby Co-op, your trusted financial partner in the heart of Lake Delton, Wisconsin! Located at 70 Commerce St, we have proudly served our community since 1939, helping our members achieve their financial goals with personalized service and a commitment to excellence. With a total membership of 40,987 and assets exceeding $928,672,066, our credit union is more than just a bank; we are a community resource dedicated to fostering financial well-being. At Westby Co-op, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to fit your needs from checking and savings accounts to auto loans and mortgages. Our total deposits stand at an impressive $66,904,533, showcasing the trust our members place in us. Furthermore, with over 22 dedicated employees working tirelessly under the leadership of CEO Chris Barnick and Board President Monte Torgerson, you can be assured of receiving friendly support and expert guidance every step of the way. While members can visit us at our branch location in Lake Delton, official correspondence should be sent to our mailing address: P O BOX 190, LAKE DELTON, WI 53940. Whether you're looking to secure a loan or explore investment options, we invite you to reach out at 608-678-4000 or visit our website at wccu.coop. Join us today and discover how Westby Co-op can help empower your financial future!

Branch History & Mission

Commitment to Accessibility

We are committed to ensuring that all members can access our services comfortably. Our branch features ADA-compliant facilities and offers both ATM availability and drive-thru banking for added convenience. With operating hours from Monday to Friday 7:30 AM - 5:30 PM and Saturday from 7:30 AM - 12:00 PM, we strive to be available when you need us most.

Join Us

As we continue on this journey of growth and service, we invite you to become part of the Westby Co-op family. Whether you're looking for a new account or exploring loan options, our team is ready to assist you every step of the way. Join us today and experience firsthand how we are dedicated to your financial success and the betterment of our community! For more information or assistance, feel free to call us at 608-678-4000 or visit our website.

Our Evolution

Since our inception, Westby Co-op has evolved significantly. We started with just a handful of dedicated members and have expanded into a robust organization that not only offers personal banking services like checking accounts and auto loans but also supports local businesses through merchant services and business loans. Over the years, we have embraced technological advancements to enhance member experiences. Our online and mobile banking options make it easier for our members to manage their finances anytime, anywhere.

Our Mission

At the heart of Westby Co-op is our mission: to enrich lives by providing accessible financial solutions while promoting community well-being. We believe that everyone deserves financial empowerment and support. That's why we offer various services designed to meet the unique needs of our members from personal loans and mortgages to credit cards with rewards. We also prioritize community outreach by partnering with local organizations to give back and help those in need. While you can visit us at our main address, please note that official correspondence should be sent to P O BOX 190, Lake Delton, WI 53940 if needed.

Branch Location & Accessibility

Accessibility Features

At Westby Co-op, we prioritize your comfort and convenience. Our branch is designed to be accessible for everyone, featuring ADA-compliant ramps and ample parking for your ease. We understand that banking should be simple, which is why our team is always ready to assist you with any needs you may have.

Call to Action

We invite you to stop by our branch and experience our welcoming atmosphere firsthand! If you have questions or need assistance before your visit, don't hesitate to give us a call at 608-678-4000. We look forward to serving you at Westby Co-op!

Operating Hours

We're here to serve you during convenient hours! Visit us Monday through Friday from 7:30 AM to 5:30 PM, and on Saturdays from 7:30 AM to 12:00 PM. Whether you're looking to open an account or discuss loan options, our friendly staff is available to help you.

Services Offered

At the Westby Co-op Lake Delton Branch, we offer a range of financial services tailored to meet your needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Plus, enjoy the ease of drive-thru banking for quick transactions or access our ATM for cash withdrawals anytime.

Member Eligibility

Joining the Westby Co-op community is more than just opening an account; it's about becoming part of a supportive family dedicated to helping each other thrive. To become a member of Westby Co-op, you simply need to meet a few friendly eligibility criteria. If you live, work, worship, or attend school in the area, you're already on your way to joining us! We warmly welcome anyone who shares our values and wants to enjoy the many benefits we offer, from competitive rates on loans and savings to personalized service that truly cares about your financial well-being. For more detailed information about eligibility, feel free to check out our resource at this link. Getting started with us is as easy as pie! You can open your account online or visit us in person at our branch located at 70 Commerce St, Lake Delton, WI 53940. Our team is here to assist you every step of the way. If you have any questions or need assistance, don't hesitate to give us a call at 608-678-4000. We look forward to welcoming you into the Westby Co-op family!

Business Banking & Commercial Services

Lending That Supports Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,395 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $338,789,586, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Transactions

In addition to loans, we offer comprehensive merchant services that make transactions easy and efficient. Imagine a busy Saturday morning at your local café. With our merchant solutions, you can process payments swiftly, ensuring that customers enjoy their experience while you focus on what you do best serving great food. Join us at Westby Co-op in Lake Delton, WI, and let's work together to take your business to new heights! For more information, call us at (608) 678-4000 or visit our website at https://wccu.coop/ .

Comprehensive List Of Services

ATM and Drive-Thru Services

For quick transactions on the go, our ATM & Cash Withdrawal Services make accessing cash simple and convenient. With basic Drive-Thru Banking available for deposits and withdrawals, handling banking errands has never been easier. At Westby Co-op, we strive not just to meet but exceed your expectations with these comprehensive services. We believe in empowering our members by providing them with the tools they need for financial success. Ready to explore what we can do for you? Visit us today at 70 Commerce St Lake Delton Wi 53940 or call us at (608) 678-4000! For more information on becoming a member or opening an account online, check out our website at Lake Delton Branch.

Auto Loans and Vehicle Financing

If you're planning to purchase a new car or refinance an existing vehicle, our Auto Loans & Vehicle Financing options can provide the flexibility you need. With affordable rates and manageable terms, you can drive away in the vehicle of your dreams without breaking the bank.

Business Banking Services

For entrepreneurs and business owners, we provide specialized Business Banking services including Merchant Services and Business Loans. We understand how vital access to capital is for growing your business. Let us help you find the right solutions tailored specifically for your business needs.

Convenient Online and Mobile Banking

In today's fast-paced world, managing your finances should be easy. That's why we offer robust Online & Mobile Banking features that allow you to check balances, transfer funds, and even pay bills from anywhere at any time. Our secure platform ensures that your financial information is safe while giving you the flexibility you need.

Credit Cards with Rewards

Looking for a way to earn while you spend? Our Credit Cards with Rewards allow you to earn points on purchases that can be redeemed for various benefits. This means that every time you use your card, you're working towards something greater whether it's travel rewards or cashback.

Home Financing Options

When it comes to owning a home, we know that securing the right financing is crucial. Our Mortgage Loans & Refinancing services are designed to guide you through the process smoothly. Whether you're buying your first home or refinancing an existing mortgage for better rates, our knowledgeable staff will be there to assist you.

Personal Banking Solutions

Starting with personal banking, we offer various Checking and Savings Accounts tailored to help you manage your day-to-day finances easily. Imagine having a checking account with no monthly fees, allowing you to keep more of your hard-earned money. Our savings accounts also help you grow your funds with competitive interest rates, making it easier to achieve your financial goals.

Personal Loans and Debt Consolidation

Life can bring unexpected expenses, and that's where our Personal Loans & Debt Consolidation services come into play. If you're facing high-interest debts or need funds for a personal project, our loans offer reasonable rates and flexible repayment terms, helping you regain control of your finances.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service lets you manage your accounts with ease. You can check balances, transfer funds, and pay bills all from one secure location. If you prefer using your smartphone, our mobile application makes banking even more accessible, allowing you to handle transactions and access account information right from your pocket. For those times when you need to send money quickly, our person-to-person transfer feature is a breeze. Whether it's splitting a bill or sending a gift, just a few taps will get the job done. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure.

Stay Updated and In Control

Keeping track of your finances is easier than ever with e-statements. With instant access to your statements online, you can reduce clutter while staying informed about your account activities. Our commitment to security means that all transactions and personal information are protected with the latest encryption technology. At Westby Co-op, we aim to empower our members with tools that simplify banking and enhance financial management. Experience the freedom of real-time account updates and enjoy peace of mind knowing that help is just a click away through our dedicated support services. Join us today at https://wccu.coop/ to explore how our digital and online banking services can benefit you!

Financial Strength

Community Trust

Total Share Accounts: 105,237, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $16,644,424. This reflects the confidence our members place in us and highlights our ongoing commitment to their financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Westby Co-op is your trusted partner. Visit us at 70 Commerce St Lake Delton Wi 53940 or call (608) 678-4000 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.

Member-Centric Savings

Your savings are in good hands at Westby Co-op. We have secured $244,410,668 in share certificates and $117,410,963 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $6,038,343 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 179 full-time employees and 48 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $90,786,847 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is evident with $6,272 in used auto loans and $703,807,777 in total loans and leases, supporting our members' financial goals across various sectors.

Strong Financial Position

With a net worth of $139,277,942, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,500 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $88,918,513 in used vehicle loans and $27,733,676 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure you can drive away with confidence.

Credit Lines and Commercial Loans

For those who need more flexibility in their borrowing options, we offer total credit lines amounting to $193,908,057. Additionally, our outstanding commercial loans totaling $338,789,586 provide business owners the capital needed to grow and expand their enterprises. At Westby Co-op located at 70 Commerce St Lake Delton Wi 53940, we are committed to supporting our members through various stages of their financial journeys. If you're considering refinancing options or want to check your eligibility for any of our loan products, don't hesitate to reach out. You can contact us at 608-678-4000 during our operating hours: M-F from 7:30 AM - 5:30 PM and Saturday from 7:30 AM - 12:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how our loan offerings can help you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,949,169, make buying or refinancing simple. We work with you to find the best solution for your housing needs, whether you're purchasing your first home or refinancing an existing mortgage.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes feel overwhelming. That's why we also offer flexible terms on unsecured credit card loans, with a total of $7,978,518 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Building Trust Through User Experience

Thousands of users trust LendMesh for their loan comparisons. One member shared their positive experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of the platform in delivering value to consumers. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate 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 ensures that users receive fair and transparent offers when comparing loans. LendMesh takes pride in its approach to providing accurate loan comparisons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions.

WESTBY CO OP CREDIT UNION