Westby Co-op Credit Union Prairie Du Sac WI | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Westby Co-op, your trusted financial partner in the heart of Prairie Du Sac, WI. Established in 1939, we have proudly served our community for over eight decades, earning the trust of 40,987 members along the way. Our branch, located at 1170 Prairie St, is more than just a place to manage your finances; it's a hub where personal connections are valued and financial goals are nurtured. At Westby Co-op, we understand that every member's journey is unique. With total assets amounting to an impressive $928,672,066, and total deposits reaching $66,904,533, we are equipped to offer a wide range of services tailored to your needs. Whether you're looking for auto loans, mortgages, or simple savings accounts, our expert team is here to help you every step of the way. Led by our dedicated CEO, Chris Barnick, and Board President, Monte Torgerson, we prioritize community impact and financial empowerment. With a commitment to excellence reflected in our net worth of $139,277,942 and cash in hand totaling $5,478,804, we ensure that our members receive the highest level of service and support. While you can visit us at our branch for all your banking needs, any official correspondence should be sent to our mailing address: P O Box 128, Prairie du Sac, WI 53578. Our friendly staff is available Monday through Friday from 7:30 AM to 5:00 PM to assist you with inquiries or services. Join us today at Westby Co-op! Explore our offerings at wccu.coop or give us a call at 608-643-0006. Let's work together toward achieving your financial dreams!

Branch History & Mission

Welcome to Westby Co-op, a credit union that has been serving the Prairie Du Sac community since 1939. With over 84 years of dedicated service, we are proud of our rich legacy and the deep roots we've established in this vibrant area. Our branch, located at 1170 Prairie St, Prairie Du Sac, WI 53578, stands as a testament to our commitment to providing exceptional financial services while supporting our members and local community. From our humble beginnings, Westby Co-op has grown significantly. We now proudly serve over 40,987 members and manage total assets exceeding $928,672,066. As we have evolved, so has our mission: to empower individuals and families through comprehensive financial solutions tailored to their needs. We believe in building strong relationships with our members, which is reflected in every interaction at our branch. Our mission is straightforward yet impactful: we strive to enhance the financial well-being of our members while making a positive difference in the community. Whether it's through personal banking services like checking and savings accounts or offering loans for vehicles and homes, we aim to provide resources that help people achieve their financial goals. Additionally, we actively engage in community outreach programs, partnering with local organizations to support initiatives that uplift those around us. While members can visit us at 1170 Prairie St, official correspondence should be sent to P O Box 128, Prairie du Sac, WI 53578. Our operating hours are Monday through Friday from 7:30 AM to 5:00 PM, ensuring that we are available when you need us most. Westby Co-op embraces modern advancements by offering services such as online banking and mobile payments. We prioritize accessibility for all members, ensuring compliance with ADA standards so that everyone can enjoy our facilities and services without barriers. Our commitment extends beyond just banking; we also provide ATM access for convenience. In closing, if you're looking for a place where your financial needs are met with care and understanding, look no further than Westby Co-op. Join us today and experience the benefits of being part of a supportive community-focused credit union. Visit us at WCCU Credit Union or call us at 608-643-0006 for more information about membership opportunities. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Westby Co-op, your friendly neighborhood credit union located right in the heart of Prairie Du Sac at 1170 Prairie St. We're committed to making your banking experience as convenient as possible. Our branch is easily accessible, whether you're stopping by for personal banking or looking to explore our loan options. While members can visit us at 1170 Prairie St, official correspondence should be sent to P O Box 128, Prairie du Sac, WI 53578. We're situated near local landmarks, making it easy to pop in while you're out and about. With ample parking available, you won't have to worry about finding a spot when you visit. Our branch is designed with accessibility in mind. We ensure that everyone can easily enter and navigate our space, thanks to features like ADA compliance and ramps. At Westby Co-op, we pride ourselves on providing a welcoming environment for all members of the community. We're here for you Monday through Friday from 7:30 AM to 5:00 PM, so you can visit us during hours that fit your busy schedule. If you prefer banking on-the-go, don't forget that we offer ATM services right here at the branch for quick cash withdrawals and balance checks. If you're looking for personalized service without the wait, we invite you to give us a call at 608-643-0006. Whether you need assistance with checking accounts, auto loans, or any other financial services we provide, our team is ready to help. Come see us today and discover how Westby Co-op can support your financial needs!

Member Eligibility

Becoming a member of Westby Co-op is like joining a warm, welcoming family that truly cares about your financial well-being. If you live, work, or attend school in the local area, you're already on the right path to joining us! We also extend our membership to immediate family members of existing members, making it easy for your loved ones to share in the benefits. At Westby Co-op, located at 1170 Prairie St Prairie Du Sac Wi 53578, you'll find a range of services designed to help you thrive from personal banking and auto loans to business services and online banking options. Getting started is simple! You can learn more about our eligibility criteria by visiting our website at https://wccu.coop/become-a-member/. When you're ready to open an account or have any questions, don't hesitate to give us a call at (608) 643-0006. We're here to support you every step of the way as you take this exciting leap into membership with Westby Co-op!

Business Banking & Commercial Services

Business Loan Options

Imagine being able to expand your operations, purchase new equipment, or even hire more staff with ease. Our commercial loan products can make that happen. 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

In today's fast-paced environment, having reliable merchant services is crucial. Picture this: You're at a bustling market, and customers want to pay using their mobile devices or credit cards. With our merchant services, you can accept payments easily, ensuring you never miss a sale. This convenience not only enhances customer satisfaction but also streamlines your operations. Let Westby Co-op in Prairie Du Sac, WI be your partner in navigating the path to business success. Visit us at 1170 Prairie St Prairie Du Sac Wi 53578 or call us at (608) 643-0006 to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking Made Easy

For our local entrepreneurs, we offer specialized Business Banking services. This includes everything from Merchant Services that simplify payment processing to Business Loans designed to help you expand or improve your operations. We understand the unique challenges businesses face and are here to support you every step of the way.

Cash Access Made Simple

We also provide easy access to cash through our ATM & Cash Withdrawal Services, allowing you to withdraw money when needed without hassle. Our basic ATM access lets you check balances and perform withdrawals quickly. At Westby Co-op in Prairie Du Sac, we're not just a credit union; we're a community partner committed to helping you succeed financially. Have questions? Feel free to call us at 608-643-0006 or visit us online at wccu.coop for more information about how we can assist you today!

Digital Convenience at Your Fingertips

In today's fast-paced world, we know how important convenience is. That's why we provide robust Online & Mobile Banking features. Whether you're checking balances, transferring funds, or making payments from the comfort of your home or on-the-go, our digital banking services make managing your finances simple and efficient.

Financing Your Dreams

When it comes to making big purchases or investments, our loan options can help turn your dreams into reality. From Auto Loans & Vehicle Financing that allow you to drive away in the car you've always wanted, to Mortgage Loans & Refinancing for that perfect home, we've got the financing solutions you need. If you're looking for a way to consolidate debt or cover unexpected expenses, our Personal Loans are a great option as well.

Personal Banking Solutions

For those who want to manage their day-to-day finances effectively, our Personal Banking services are designed with you in mind. We offer Checking & Savings Accounts that make it easy to deposit and withdraw funds as needed. Imagine having quick access to your money while also earning interest on your savings! With our accounts, you can enjoy peace of mind knowing that your financial health is in good hands.

Rewards That Matter

Don't forget about our Credit Cards with Rewards, which not only provide purchasing power but also give you points for every dollar spent. These rewards can be used for travel, gift cards, and more making everyday purchases even more rewarding!

Digital & Online Banking

Key Features

Our online banking platform offers a range of user-friendly features to help you stay on top of your finances. You can view your account balances, transfer funds between accounts, and even set up person-to-person transfers with just a few taps. Need to sign important documents? No problem! Our electronic signature authorization feature allows you to complete transactions securely without the need for paper forms. We also provide e-statements, making it easier than ever to keep track of your spending while contributing to a greener planet. With our mobile application, you can manage your accounts directly from your smartphone. Plus, if you're someone who enjoys convenience, our mobile payments feature lets you pay for purchases with just a click.

Security and Accessibility

Security is our top priority. Rest assured that all transactions through our online banking system are protected with advanced security measures. Your information remains safe while you enjoy the ease of real-time account management. Whether you're checking your balance during lunch or paying bills late at night, our services are designed with you in mind. At Westby Co-op, we're committed to providing accessible banking solutions that fit into your busy lifestyle while keeping your financial information secure. Discover more about what we offer by visiting us at https://wccu.coop/ today!

Financial Strength

Commitment to Reinvestment

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 lending capacity supports members' financial goals across various sectors with $6,272 in used auto loans and $703,807,777 in total loans and leases.

Growing Membership Base

Total Share and Deposit Accounts: 105,237, show a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $16,644,424. 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 1170 Prairie St Prairie Du Sac Wi 53578 or call (608) 643-0006 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $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. We focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,305,044 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.

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

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. Whether you're purchasing a brand-new model or a reliable used vehicle, our team is here to help you navigate your options.

Business Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $338,789,586 provide essential funding options tailored to your business needs. If you're considering refinancing any existing loans or exploring eligibility options for our products, our friendly staff is ready to assist you in understanding what works best for you. Feel free to reach out with any questions! You can contact us at (608) 643-0006 or visit us at 1170 Prairie St Prairie Du Sac WI 53578. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

Credit Lines and Unsecured Loans

For those who need flexibility, we offer various credit lines totaling $193,908,057, which can be used for personal expenses or emergencies. Additionally, our unsecured credit card loans amounting to $7,978,518 are designed to help members manage their finances effectively without requiring collateral.

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 provide personalized assistance throughout the process to ensure you find a solution that fits your budget and lifestyle.

Loan Aggregator

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WESTBY CO OP CREDIT UNION - Prairie Du Sac, WI

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