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

Introduction

Welcome to Westby Co-op, your trusted partner in financial services, located at 138 Northridge Drive, Portage, WI 53901. Since our establishment in 1939, we have been dedicated to supporting our community and providing exceptional banking solutions tailored to meet the needs of our 40,987 members. At Westby Co-op, we pride ourselves on being more than just a credit union; we're a part of your everyday life. With total assets of $928,672,066 and total deposits reaching $66,904,533, our robust financial foundation enables us to offer a wide range of products, including auto loans, personal loans, and business banking services. We currently manage an impressive 23,367 loans and leases, ensuring that we can cater to various financial needs. Our leadership team is committed to providing you with outstanding service. Under the guidance of CEO Chris Barnick and Board President Monte Torgerson, we work tirelessly to enhance your banking experience while maintaining a strong net worth of $139,277,942. Our dedicated staff of 227 employees is here to assist you with all your financial inquiries. While you can visit us at our branch for personalized service and support, please note that any official correspondence should be directed to the same address: 138 Northridge Drive, Portage, WI 53901. We invite you to explore our offerings and discover how Westby Co-op can help you achieve your financial goals. Feel free to reach out by phone at 608-745-1600 or visit us online at WCCU Credit Union for more information. Join us today in making a positive impact within our community!

Branch History & Mission

At Westby Co-op, we believe in building a strong foundation for our members and community. Established in 1939, our Portage Branch has grown from humble beginnings into a trusted financial partner for nearly 41,000 members. Located at 138 Northridge Drive in Portage, WI, we are proud to serve this vibrant community with personalized financial solutions. Over the years, Westby Co-op has evolved significantly. Our journey began with a small group of dedicated individuals who wanted to create a cooperative that truly serves its members. Today, we manage assets totaling over $928 million, reflecting our commitment to fostering financial well-being. This growth is not just about numbers; it symbolizes the trust and relationships we have built with our members. Our mission is simple yet powerful: to provide exceptional financial services while supporting our community. We strive to empower individuals through various offerings, including personal banking, auto loans, mortgage services, and business banking solutions. Our focus on customer service ensures that each member feels valued and understood. While you can visit us at our branch for all your banking needs, official correspondence should be directed to 138 Northridge Drive, Portage, WI 53901. We invite you to experience our convenient operating hours Monday through Friday from 7:30 AM to 5:30 PM and Saturday from 7:30 AM to 12:00 PM designed to fit your busy lifestyle. Westby Co-op also emphasizes accessibility with features like ATM availability and drive-thru banking options. We are dedicated to meeting the needs of all our members, ensuring everyone can benefit from our services without barriers. Community outreach is at the heart of what we do. From educational workshops to local sponsorships, we are actively involved in making Portage a better place for everyone. Our partnerships with local organizations reflect our commitment to supporting those around us. As we look toward the future, Westby Co-op remains focused on innovation and growth while staying true to our roots as a member-centric credit union. We invite you to join us and discover how being part of Westby Co-op can enhance your financial journey. Together, let's build a stronger community! For more information or to become a member today, visit us online at WCCU Credit Union or call us at (608) 745-1600.

Branch Location & Accessibility

Accessibility Features

At our Portage location, we prioritize accessibility for all members. The branch is ADA compliant and features ramps and designated parking spaces for those who need them. Whether you're visiting us in person or using our drive-thru service, we aim to make your banking experience as smooth as possible.

Operating Hours

We understand that life can be busy, which is why our operating hours are designed to fit your schedule. You can visit us Monday through Friday from 7:30 AM to 5:30 PM and on Saturdays from 7:30 AM to 12:00 PM. If you have any questions or need assistance, feel free to call us at 608-745-1600 during these hours.

Services Offered

Our Portage Branch offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, with ATM availability right on site, accessing your funds is quick and hassle-free. While members can visit us at 138 Northridge Drive for all their banking needs, official correspondence should be sent to the same address. We look forward to welcoming you into our branch and helping you achieve your financial goals. Feel free to drop by or give us a call today!

Member Eligibility

At Westby Co-op, we believe that becoming a member is like joining a caring family where your financial well-being is our top priority. We welcome individuals who live or work in the communities we serve, along with their family members. Whether you're looking to open a checking account, secure a loan, or simply seek advice on managing your finances, you'll find that our doors are always open to you. To learn more about the specific eligibility criteria, feel free to check out this resource: https://wccu.coop/become-a-member/. Joining us is straightforward and inclusive! You can easily start your membership journey by visiting us at our branch located at 138 Northridge Drive Portage Wi 53901 or by giving us a call at (608) 745-1600. Our friendly staff will guide you through the account opening process, making it as simple as possible so you can focus on what truly matters your financial goals. For more details on how to open an account, visit https://wccu.coop/credit-cards/. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine this: you just opened a café in the heart of Portage, WI. With our merchant services, you can easily accept payments from customers using various methods be it credit cards or mobile payments. This not only simplifies transactions but enhances customer satisfaction, allowing you to focus on what you do best serving great coffee! Whether you're exploring financing options or need reliable payment solutions, Westby Co-op is here to be your partner in success. Visit us at 138 Northridge Drive Portage Wi 53901 or give us a call at (608) 745-1600. Let's take your business to the next level together!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Business Banking Services

For local business owners, we offer comprehensive business banking solutions, including merchant services and business loans. This support ensures that your enterprise has the resources it needs to thrive in today's competitive environment.

Convenience at Your Fingertips

Accessibility is key at Westby Co-op. Our online and mobile banking services empower you to manage your finances on the go. Need cash? Use our convenient ATM and cash withdrawal services available around the clock. Our basic drive-thru banking service also allows for quick deposits and withdrawals without leaving your vehicle. Whether it's early morning or late afternoon, our lobby hours are designed with convenience in mind open Monday through Friday from 7:30 AM to 5:30 PM, and Saturdays from 7:30 AM to 12:00 PM. At Westby Co-op, we're not just about transactions; we're about building relationships. We invite you to experience the personalized service that comes from being part of a community-focused credit union. If you have any questions or would like more information about our services, feel free to call us at 608-745-1600 or visit us online at wccu.coop. Join us today and discover how we can assist you in achieving your financial goals!

Credit Options for Every Need

We understand that life can throw unexpected expenses your way. That's why our personal loans and debt consolidation services can help ease financial burdens by combining multiple debts into one manageable payment. Additionally, enjoy the benefits of our credit cards with rewards, which allow you to earn points on everyday purchases while enjoying added security.

Personal Banking Solutions

For individuals seeking reliable banking options, we offer checking and savings accounts that make managing your finances easy and efficient. Imagine having the ability to track your spending with user-friendly online and mobile banking features. You can access your account anytime, anywhere, ensuring that your money is always within reach. If you're considering buying a vehicle or need help financing one, our auto loans and vehicle financing options are designed with competitive rates to make your purchase more affordable. For those dreaming of homeownership, we provide mortgage loans and refinancing solutions that cater to first-time buyers as well as seasoned homeowners looking to lower their monthly payments.

Digital & Online Banking

Access Your Statements Anytime

Say goodbye to paper clutter! With e-statements available at Westby Co-op, you can access your financial statements online whenever you need them. This not only helps you stay organized but also adds an extra layer of security to your personal information.

Convenient Online Services

Our online banking services are available 24/7 at https://wccu.coop/. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with the option for electronic signature authorization, signing documents has never been easier or more secure.

Go Mobile with Ease

Don't forget about our mobile application! It puts all the power of our online banking services right in your pocket. You can make mobile payments effortlessly and even send money to friends or family with our person-to-person transfer feature. It's convenience at its best!

Security You Can Trust

We prioritize your security with robust measures that protect your information while you bank online. Our features are designed to give you peace of mind while managing your finances from home or on the go. With all these tools at your fingertips, you'll find that banking with Westby Co-op is not just convenient but also empowering. Whether you're looking to manage your accounts or make quick transactions, we've got you covered every step of the way!

Financial Strength

Growing Trust Among Members

We have earned the trust of our community, as shown by our 105,237 total share accounts. This growing member base highlights the confidence people have in us as their financial partner. 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 138 Northridge Drive Portage Wi 53901 or call (608) 745-1600 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 Options

Your savings are our priority. Members' funds are secured through $244,410,668 in share certificates and $117,410,963 in money market shares, which provide stable and rewarding growth opportunities. This focus on member benefits sets us apart from traditional banks. In fact, we have $0 in non-member deposits to ensure that our resources are concentrated on helping you with better loan rates and exclusive perks.

Operational Efficiency

Our robust performance is reflected in our $3,305,044, which showcases our operational efficiency. This ensures that we can continue offering competitive loan rates and solid financial products tailored to meet your needs. Our dedicated team consists of 179 full-time employees and 48 part-time employees who are always ready to assist you.

Reinvestment for Better Services

Our commitment to our members goes beyond just safeguarding your deposits. With $90,786,847 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. We also support your financial ambitions with $6,272 in used auto loans and $703,807,777 in total loans and leases.

Strong Financial Health

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 15.00% 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

Additional Lending Options

For those looking for business solutions, our outstanding commercial loans totaling $338,789,586 provide the capital needed to grow and expand your business. Additionally, if you're considering consolidating debt or refinancing existing loans, we can discuss eligibility options that may be right for you. At Westby Co-op, we are committed to providing personalized service and expert advice tailored specifically for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to visit us or contact us today to explore how our loan offerings can work for you!

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 rates designed to fit your budget.

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. Our team will guide you through the process to ensure that you understand all available options.

Unsecured Credit Card Loans

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. These cards come with various benefits designed to give you greater control over your spending.

Loan Aggregator

Accurate Comparisons with Verified Data

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 all loan offers are fair and transparent. By working only with legitimate financial institutions, LendMesh guarantees that users receive accurate information.

Trustworthy Features for Informed Decisions

LendMesh stands out by offering several key features designed to build trust and reliability: - Verified Data: Every loan offer comes from recognized 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: Users benefit from up-to-date loan rates from multiple institutions, which helps them make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback showcases the platform's effectiveness in helping consumers save money. In summary, if you're looking for a reliable way to compare loans without confusion or bias, LendMesh is your go-to resource. 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.

WESTBY CO OP CREDIT UNION - Portage, WI

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