Westby Co-op Credit Union Richland Center WI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Westby Co-op, your trusted financial partner located at 2403 Us Hwy 14 E, Richland Center, WI 53581. Since our establishment in 1939, we've been dedicated to serving our community with integrity and commitment. With a strong membership base of over 40,000, we pride ourselves on being more than just a credit union; we are a vital part of the Richland Center area. Our branch is not just about numbers, but about people your neighbors, friends, and family. We understand that financial decisions can be overwhelming, which is why our team of 227 employees, led by CEO Chris Barnick and Board President Monte Torgerson, is here to provide personalized service tailored to your needs. Whether you're looking for competitive rates on loans or safe places to grow your savings, we have options for you. With total assets exceeding $928 million, including $66,904,533 in deposits and a net worth of $139,277,942, we are financially stable and ready to support your journey. Our robust lending portfolio includes over 23,367 loans and leases to help you purchase your next vehicle or home. While members can visit us at our branch address for all banking services from personal accounts to business loans official correspondence should be sent to our mailing address: P O BOX 110, RICHLAND CENTER, WI 53581. At Westby Co-op, we are committed to making a positive impact in the community while ensuring that your financial goals are met with ease. Explore our range of services through online banking or visit us today! For any inquiries or assistance, feel free to call us at 608-647-8835. Your financial success is our priority!

Branch History & Mission

The Westby Co-op has been a cornerstone of the Richland Center community since its inception in 1939. Over the decades, we have grown alongside our members, fostering a sense of trust and collaboration that defines our mission today. Our branch, located at 2403 Us Hwy 14 E, Richland Center, WI 53581, is more than just a financial institution; it's a gathering place for families and businesses alike. From humble beginnings, Westby Co-op has steadily evolved into a robust credit union with over 40,987 members and total assets exceeding $928,672,066. This growth reflects not just our commitment to excellent service but also the strong relationships we've built within the community. We are proud to offer services such as personal banking, auto loans, mortgages, and business banking each tailored to meet the unique needs of our diverse membership. Our mission is clear: to empower our members through accessible financial services while giving back to the community that supports us. We aim to provide not only competitive rates but also meaningful outreach initiatives that uplift and strengthen local families and businesses. Whether through educational workshops or partnerships with local organizations, we strive to make a positive impact on those we serve. While members can visit us at 2403 Us Hwy 14 E, official correspondence should be sent to P O BOX 110, RICHLAND CENTER, WI 53581 if needed. Our doors are open during convenient hours: Monday through Thursday from 7:30 AM to 5:30 PM, Friday from 7:30 AM to 6:00 PM, and Saturday from 7:30 AM to 12:00 PM. With ATM availability and drive-thru banking options at your service, we ensure that your banking experience is as smooth as possible. At Westby Co-op, we embrace technology while remaining committed to personal service. Our digital advancements include online banking and mobile payments that give you control over your finances anytime, anywhere. We are also dedicated to maintaining ADA compliance so that everyone in our community can access our services without barriers. As we look ahead, we invite you to join our growing family at Westby Co-op. Experience the benefits of being part of a credit union that truly cares about its members and community. Visit us today or explore more about membership opportunities on our website here. Together, let's build a brighter financial future!

Branch Location & Accessibility

Convenient Access and Features

At our Richland Center Branch, you'll find ample parking space, ensuring you can park with ease when visiting us. We are fully ADA compliant, with ramps and other accessibility features to accommodate all members of our community. Whether you're coming in for a quick transaction or need to discuss your financial goals, we've designed our space to be welcoming and user-friendly.

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why we offer flexible operating hours. Join us Monday through Thursday from 7:30 AM to 5:30 PM, Friday from 7:30 AM to 6:00 PM, and Saturday from 7:30 AM to 12:00 PM. This means you can pop in before work or during your lunch break without any hassle!

Services Designed for You

Here at the Westby Co-op, we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Need cash? No problem! We have an ATM on-site for quick withdrawals and balance checks. Plus, if you prefer the convenience of online banking or mobile payments, we've got you covered there too! And for those who appreciate the drive-thru option, our branch features basic drive-thru banking services for deposits and withdrawals making it even easier for you to manage your finances on the go.

We're Here for You

If you have questions or need assistance, don't hesitate to give us a call at 608-647-8835. Our friendly team is always ready to help! While you're here at the Westby Co-op in Richland Center, feel free to explore everything we have to offer. We look forward to serving you soon!

Member Eligibility

At Westby Co-op, we believe that everyone deserves to be part of a supportive financial community. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in Richland County or nearby areas, you can easily become part of our family. We also invite immediate family members of existing members to join. By becoming a member at Westby Co-op, you gain access to a range of benefits including personalized service, competitive rates on loans and savings accounts, and the opportunity to participate in our community-focused initiatives. To get started on your membership journey with us at 2403 Us Hwy 14 E Richland Center Wi 53581, simply reach out at 608-647-8835 or visit our website for more details on eligibility and account opening. You can find comprehensive information about the criteria for joining us at this link. We can't wait to welcome you into the Westby Co-op community!

Business Banking & Commercial Services

Lending Support

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 addition to loans, we offer a range of merchant services that streamline daily operations. Imagine accepting payments quickly and securely, giving your customers more ways to shop while you keep track of sales effortlessly. Our services ensure that managing transactions becomes a breeze, allowing you to focus on what matters most growing your business. Visit us at 2403 Us Hwy 14 E Richland Center Wi 53581 in Richland Center, WI, or call us at (608) 647-8835 to discover how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide robust business banking services, including merchant services and business loans. If you're an entrepreneur looking to expand or start anew, we're here to support you every step of the way.

Convenient Access

In addition to traditional banking services, we prioritize accessibility. With our online and mobile banking, managing your accounts is just a click away. You can perform transactions securely from the comfort of your home or while on the go. Our ATMs are available for cash withdrawals and balance checks whenever you need them. Our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for those busy days when every minute counts!

Get Started Today

At Westby Co-op, we believe that managing your finances should be easy and convenient. Whether you're looking for personal banking solutions or business services, we have what you need right here at 2403 Us Hwy 14 E Richland Center Wi 53581 in Richland Center, WI. Feel free to reach out by calling us at (608) 647-8835, or visit us online at Richland Center Branch. Let's work together towards achieving your financial dreams today!

Personal Banking Solutions

We offer a variety of personal banking options, including checking and savings accounts designed to suit your lifestyle. Whether you're saving for a rainy day or planning a big purchase, our accounts are user-friendly and accessible through online and mobile banking. This means you can manage your funds anytime, anywhere, making it easier than ever to stay on top of your finances. When it comes to financing your vehicle, our auto loans and vehicle financing make the process straightforward. Imagine driving off in your dream car without the stress of complicated paperwork. Our team is ready to assist you in finding the best rates and terms that fit your budget. If you're considering homeownership or want to refinance, our mortgage loans and refinancing options are tailored just for you. We know how important it is to have a place you can call home, and we're dedicated to helping you navigate this significant investment with confidence. For those unexpected expenses or if you're looking to consolidate debt, our personal loans and debt consolidation services offer flexible solutions. Picture yourself free from financial burdens our loan officers will work with you to find a plan that fits your needs. Don't forget about our credit cards with rewards! These cards not only provide convenience but also offer benefits that can enhance your shopping experience. Whether it's cashback or travel points, we have options that reward you for spending.

Digital & Online Banking

Key Features for Your Convenience

Managing your finances has never been easier! With e-statements available, you can say goodbye to paper clutter while keeping track of your transactions securely. If you're looking for speed and efficiency, our electronic signature authorization lets you complete important documents without needing to visit the branch. For those who love using their smartphones, our mobile application provides all the features of online banking right in your pocket. Plus, with mobile payments enabled, you can make purchases quickly and securely using just your phone. Need to send money to friends or family? Our person-to-person transfer feature allows you to send money instantly, making it easy to split bills or help out loved ones when they need it most. At Westby Co-op, we prioritize both accessibility and ease of use in our digital banking offerings. We're committed to ensuring that managing your money is straightforward and secure. Join us today and experience the freedom of banking on your terms!

Financial Strength

Community Trust

With a growing member base of 105,237, we show that more people trust us with their finances. This trust translates into solid foundations for both saving and borrowing. 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 2403 Us Hwy 14 E Richland Center Wi 53581 or call (608) 647-8835 to learn more about how we can help you achieve your financial goals.

Investing Back into Member Services

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 ability to provide financing is reflected in our impressive figures: $6,272 in used auto loans and $703,807,777 in total loans and leases support our members' financial goals across various sectors.

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.

Secure Savings Options

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. 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.

Strong Capital Foundation

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 eyeing a brand-new model or a reliable pre-owned option, our flexible terms can make your purchase more affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $338,789,586 provide the capital needed to grow and expand. We understand that every business is different and work closely with our members to tailor solutions that meet their specific needs.

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 support throughout the process to ensure you find a solution that works for you.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better rates or terms, we can guide you through this process as well. Our team is here to discuss eligibility options and help you navigate the various choices available. For more information on our loan offerings or to see how we can assist you further, don't hesitate to reach out at 608-647-8835. You can also visit us at 2403 Us Hwy 14 E Richland Center Wi 53581 or explore our website at wccu.coop. 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 towards achieving your financial goals today!

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 can help you cover unexpected expenses or consolidate debt without needing collateral.

Loan Aggregator

Ensuring 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. By drawing information from established financial institutions, LendMesh guarantees that every loan comparison is based on verified data.

Key Benefits of Using LendMesh

Verified Data: Loan offers come exclusively from legitimate financial institutions, ensuring transparency in what users see. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect the best options available. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, empowering them to make informed decisions swiftly. 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 testimonial highlights the effectiveness and user satisfaction associated with using LendMesh. 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 - Richland Center, WI

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