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

Introduction

Welcome to Westby Co-op, your trusted financial partner located at 430 West Union St Ste 1, Richland Center, WI 53581. Since our establishment in 1939, we have proudly served our community, growing to support over 40,000 members with a commitment to their financial well-being. At Westby Co-op, we understand that each member's needs are unique, and our dedicated team is here to help you navigate your financial journey. With total assets of $928,672,066 and deposits amounting to $66,904,533, we provide a solid foundation for your banking needs. Our diverse range of services includes everything from checking and savings accounts to auto loans and credit cards. We're also proud to report that our net worth stands at $139,277,942, ensuring stability and security for our members. Under the leadership of our CEO, Chris Barnick, and Board President, Monte Torgerson, our team of 227 employees is dedicated to enhancing your banking experience. Whether you visit us in person or connect with us online at wccu.coop, we are here to make banking straightforward and accessible. While members can visit us at 430 West Union St Ste 1, official correspondence should be sent to P O BOX 110, Richland Center, WI 53581. Don't hesitate to reach out; call us at 608-647-8835 for any inquiries or assistance. Join us today and discover how Westby Co-op can support your financial goals!

Branch History & Mission

A Journey Through Time

Westby Co-op began with a simple vision: to provide accessible financial services that empower individuals and families. Over the decades, we have evolved alongside the needs of our members, expanding our services from basic banking to a full range of offerings including auto loans, mortgages, personal loans, and business banking solutions. Our commitment to excellence has remained steadfast as we have embraced technological advancements to enhance member experience. Our branch is conveniently located at 430 West Union St Ste 1 Richland Center, WI 53581, easily accessible for all your banking needs. Whether you're visiting us for personal banking or business services, you can enjoy features like drive-thru banking and ATM access to make your experience seamless.

Join Us

As we continue this journey together, we invite you to become part of the Westby Co-op family. Experience firsthand how our services can help you achieve your financial goals while contributing positively to our vibrant community. Visit us during our operating hours Monday through Thursday from 7:30 AM to 5:30 PM, Friday until 6:00 PM, and Saturday until noon or give us a call at 608-647-8835 for more information. We look forward to welcoming you into our cooperative!

Our Mission

At Westby Co-op, our mission is clear: we aim to provide not just financial products but also invaluable support to our community. We believe in putting people first our members are at the heart of everything we do. We strive to create a welcoming environment where everyone feels valued and supported in their financial journey. In addition to offering competitive rates on loans and savings accounts, we are dedicated to community outreach. We partner with local organizations and participate in various initiatives that uplift those around us. Our commitment extends beyond banking; we work hard to strengthen the fabric of our community through active engagement. While members can visit us at 430 West Union St, official correspondence should be sent to P O BOX 110, Richland Center, WI 53581.

Branch Location & Accessibility

Easy Access and Parking

At our branch, parking is readily available, ensuring that your visit is hassle-free. We've also made sure our facilities are accessible to everyone, including features such as ramps for those who need them. Whether you prefer to walk in or use our drive-thru service for quick transactions, we aim to provide a welcoming atmosphere.

Get in Touch

If you have any questions or need assistance, don't hesitate to give us a call at 608-647-8835. We're here to help! Feel free to stop by the Westby Co-op branch today we can't wait to serve you!

Operating Hours and Services

We're here for you 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 noon. With our ATM available around the clock and a drive-thru for added convenience, accessing your funds has never been easier. Our team at Westby Co-op offers a variety of services tailored to meet your banking needs from personal checking and savings accounts to auto loans and credit cards with rewards. If you're looking for business solutions or need assistance with online banking, we've got you covered!

Member Eligibility

Becoming a member of Westby Co-op is like opening the door to a supportive community that truly cares about your financial well-being. If you live, work, worship, or attend school in the Richland Center area, you're already on your way to joining us! We welcome individuals and families alike, making it easy for you to access our range of services designed just for you. Whether you're looking for checking and savings accounts, auto loans, or even credit cards with rewards, Westby Co-op has something to offer everyone. To get started, just visit our eligibility page at https://wccu.coop/become-a-member/ for all the details on how to qualify. Once you're ready to join us, opening an account is simple; check out the account opening information here: https://wccu.coop/credit-cards/ . If you have any questions or need assistance, don't hesitate to call us at (608) 647-8835. We're excited to help you become part of our community at Westby Co-op, located conveniently at 430 West Union St Ste 1 Richland Center Wi 53581!

Business Banking & Commercial Services

Member and Non-Member Commercial Loans

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 comprehensive merchant services that make transactions easy for you and your customers. Imagine a busy Saturday where customers are lining up to make purchases at your store. With our fast and reliable payment processing solutions, you can serve them efficiently without delays. Whether it's credit card processing or online payments, we ensure your business runs smoothly so you can focus on what you do best serving your customers. Located conveniently at 430 West Union St Ste 1 Richland Center Wi 53581 in Richland Center, WI, we're here to help your business thrive. Contact us today at (608) 647-8835 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking Services

For business owners, we offer comprehensive Business Banking services including merchant services and business loans. We understand the demands of running a business and are here to support your financial goals.

Connect With Us

At Westby Co-op, we're committed to offering personalized service because every member's needs are different. If you're ready to take the next step in managing your finances effectively, give us a call at 608-647-8835 or visit us at 430 West Union St Ste 1 Richland Center, WI 53581. We're excited to help you achieve your financial goals! For more information about our services, feel free to explore our website at WCCU Credit Union.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! Whether you're using them for everyday purchases or special occasions, our cards offer perks that can save you money while giving you rewards for spending.

Digital Banking Features

With technology playing an important role in finance today, we ensure our members enjoy easy access through our Online & Mobile Banking platforms. Check balances, transfer money, or pay bills from the comfort of your home or on the go. Plus, with features like ATM & Cash Withdrawal Services, accessing your cash is simple and hassle-free. We also provide basic drive-thru banking for quick transactions like deposits and withdrawals perfect for those busy days when time is of the essence. Our ATMs are conveniently located so you can check balances or withdraw cash whenever needed.

Home Financing Options

Thinking about buying a home? Our Mortgage Loans & Refinancing services cater to first-time homebuyers and seasoned homeowners alike. We understand that securing a mortgage can be daunting, which is why our friendly staff will guide you through each step of the process. If you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options provide flexible solutions tailored to your situation.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, we've got you covered. Our personal banking services are designed to help you manage your day-to-day finances effectively. Imagine having access to accounts that fit your lifestyle, allowing you to save for that dream vacation or simply have peace of mind knowing your funds are secure. When it comes to financing your vehicle, our Auto Loans & Vehicle Financing options make purchasing a new car straightforward and affordable. You can drive off with confidence, knowing you have a payment plan that works for you.

Digital & Online Banking

Key Features for Your Convenience

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills on your schedule. You can also enjoy the benefits of e-statements, making it simple to keep track of your financial history without the clutter of paper statements. If you're on the go, our mobile application offers a user-friendly experience right in the palm of your hand. You can even set up mobile payments to pay for purchases with ease!

Secure and Easy Transactions

Security is paramount at Westby Co-op. We offer electronic signature authorization for secure transactions, ensuring that your information is protected every step of the way. Plus, our person-to-person transfer feature lets you send money quickly and safely to friends or family without any hassle. Whether you're at home or out and about, our digital banking services provide easy access to real-time account management. Enjoy peace of mind knowing you have control over your finances right when you need it. Explore all that digital banking has to offer at Westby Co-op today!

Financial Strength

Continuous 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. Additionally, our capacity for lending remains robust; with $6,272 in used auto loans and $703,807,777 in total loans and leases, we support your financial goals across various sectors.

Growing Trust Among Members

With a total of 105,237 share accounts, it's clear that more people are choosing Westby Co-op as their trusted financial partner. Our net shares amount to $16,644,424, showcasing the funds available for lending and investments. In summary, 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 430 West Union St Ste 1 Richland Center Wi 53581 or call (608) 647-8835 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 secure with us. We have $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.

Proven Operational Efficiency

Our strong financial standing is reflected in our $6,038,343, which highlights our operational efficiency. This allows 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.

Solid Financial 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 $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 that make financing your vehicle straightforward and affordable.

Business Loans

For business owners, our outstanding commercial loans totaling $338,789,586 provide the capital needed to grow and expand. We understand the challenges businesses face and are here to support you with tailored lending solutions. If you're considering refinancing or exploring eligibility options for any of our loan products, our team is available to discuss how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us online at WCCU to learn more about our loan offerings or stop by our branch in Richland Center 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 focus on providing transparent information and helpful support throughout the process so you can make informed decisions.

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 benefits that can help streamline your spending while offering peace of mind.

Loan Aggregator

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 ensures that users receive fair and transparent offers when seeking loans. The platform's commitment to accuracy means that potential borrowers can trust the information they find.

Trustworthy Features

LendMesh offers several key benefits that build trust with its users: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: Users can view up-to-date loan rates from multiple institutions, helping them make informed choices quickly. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this reinforce the reliability of the service and its effectiveness in assisting borrowers. Take control of your borrowing options today. Compare real-time loan offers 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