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

Introduction

Welcome to Westby Co-op, your trusted financial partner in the heart of Viroqua, WI. Established in 1939, we have been dedicated to serving our community for over 80 years, building a legacy of trust and reliability. At our branch located at 1302 N Main St, Viroqua, WI 54665, we pride ourselves on offering personalized banking services tailored to your unique needs. As a proud member of the Westby Coop family, you join a community of over 40,987 members who enjoy access to more than $928 million in total assets and an impressive $66,904,533 in total deposits. We understand that every member's financial journey is different, which is why we provide a variety of services ranging from personal banking and auto loans to business banking solutions. Our leadership team is committed to your success. Under the guidance of CEO Chris Barnick and Board President Monte Torgerson, we strive to create a welcoming environment where everyone can feel secure about their financial future. With a dedicated team of 227 employees, we are here to assist you with any questions or concerns you may have. While members can visit us at 1302 N Main St, official correspondence should be sent to P O BOX 228, Viroqua, WI 54665. If you're looking for convenience, our branch also offers ATM access and drive-thru services for quick transactions. We invite you to explore all that Westby Co-op has to offer by visiting our website at wccu.coop. Whether you're interested in opening an account or seeking information on loans and credit cards with rewards, we're here to help. Feel free to call us at 608-637-6200; our friendly staff is ready to assist you. Join us today and experience the difference that comes with being part of a community-focused credit union!

Branch History & Mission

Community Commitment

Our commitment extends beyond financial services. We actively engage in community outreach efforts and build partnerships with local organizations to create positive impacts right here in Viroqua. Whether through educational workshops or sponsorships of community events, we strive to give back and uplift those around us. In addition to traditional services like drive-thru banking and ATM access available for your convenience we have embraced modern advancements such as electronic signatures and mobile payments. Our goal is always to enhance your banking experience while ensuring compliance with ADA standards so that everyone can access our services comfortably. Join us at Westby Co-op as we continue this journey together. Experience the benefits of being part of a credit union that truly cares about its members and their financial well-being. Together, let's build a brighter future for all in Viroqua!

Our Mission

At Westby Co-op, our mission is simple yet powerful: to provide exceptional financial services while fostering a supportive environment for our community. We believe that financial empowerment is key to building stronger families and neighborhoods. Our services encompass everything from personal banking checking and savings accounts to auto loans, mortgages, and business banking solutions. We also offer online and mobile banking options for added convenience because we understand that today's world requires flexibility. While members can visit us at 1302 N Main St, official correspondence should be sent to P O BOX 228, Viroqua, WI 54665. We encourage you to reach out via phone at 608-637-6200 if you have questions or need assistance.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking right outside, including spaces for those with disabilities. The building is ADA compliant and features ramps to ensure everyone can access our services comfortably.

Connect With Us

Got questions? Feel free to call us at 608-637-6200 or stop by during our operating hours. We look forward to welcoming you into our branch and helping you with all your banking needs!

Operating Hours

We know your time is valuable! That's why our lobby hours are convenient: we're open from 7:30 AM to 5:30 PM Monday through Thursday, until 6:00 PM on Fridays, and from 7:30 AM to 12:00 PM on Saturdays. We aim to make your banking experience as pleasant as possible.

Services Offered

At Westby Co-op Viroqua Branch, we offer a wide range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, our team is ready to help. Plus, enjoy the convenience of ATM access and drive-thru banking for quick transactions.

Member Eligibility

Joining the Westby Co-op is like becoming part of a warm, welcoming community where your financial needs are understood and prioritized. If you're looking to become a member, you'll be happy to know that eligibility is quite inclusive! Whether you live, work, or worship in Vernon County, or are related to someone who does, you're likely eligible to join our credit union family. Plus, being a member means you can access a range of benefits designed to help you achieve your financial goals, from competitive loan rates to personalized service tailored just for you. To get started on your membership journey with Westby Co-op at 1302 N Main St, Viroqua, WI 54665, simply check out our detailed eligibility criteria at this link. If everything looks good, opening an account is easy! Feel free to give us a call at 608-637-6200 for any questions or assistance. We're excited to welcome you into our community!

Business Banking & Commercial Services

At Westby Co-op, we understand that every business has its own unique journey. Whether you are a budding entrepreneur or an established company looking to expand, we are here to support your financial needs. 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. In addition to our loan offerings, our merchant services can simplify daily transactions for your business. Imagine processing payments seamlessly while focusing on what you do best serving your customers. At Westby Co-op, located at 1302 N Main St Viroqua Wi 54665 in Viroqua, WI, we're dedicated to helping you thrive in today's competitive landscape. Contact us today at (608) 637-6200 to learn more about how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Business Banking Services

For local businesses, we offer tailored solutions through our Business Banking services. From essential Merchant Services that simplify payment processing to flexible Business Loans that help fuel growth, we understand what small businesses need to thrive in today's economy.

Convenient Access

We know convenience matters. That's why we have an ATM & Cash Withdrawal Services available for quick access to cash whenever you need it. Plus, if you're in a hurry, take advantage of our Basic Drive-Thru Banking, where you can conduct deposits, withdrawals, and other simple transactions without leaving your vehicle.

Financial Support When You Need It

Life can throw unexpected expenses your way, but at Westby Co-op, we've got you covered with our Personal Loans & Debt Consolidation services. Whether it's an emergency or a planned purchase, our loans are designed to provide support when you need it most. And if you want to manage everyday spending, explore our Credit Cards with Rewards, which offer perks that can make everyday purchases even more rewarding.

Personal Banking Solutions

When it comes to managing your day-to-day finances, our personal banking options make it easy and convenient. We offer Checking & Savings Accounts that help you grow your savings while keeping your money accessible. Imagine easily checking your balance or transferring funds right from your phone with our Online & Mobile Banking features. Our mobile application allows you to handle transactions on the go, ensuring that your banking is as flexible as your lifestyle. Need a new vehicle? Our Auto Loans & Vehicle Financing make purchasing or refinancing simple and straightforward. You can secure the funds needed for that dream car while enjoying competitive rates tailored to fit your budget. Additionally, if you're considering buying a home, our Mortgage Loans & Refinancing options provide various plans to help you find the perfect fit for your circumstances.

We're Here for You

Our commitment to serving our members extends beyond just banking services; it's about building relationships and trust within the community. If you have any questions or would like assistance with any of our offerings, please don't hesitate to reach out at (608) 637-6200. Whether you're managing personal finances or running a business, Westby Co-op is dedicated to making banking easier for everyone in Viroqua and beyond. Discover more about what we can do for you by visiting us online at Viroqua Branch. Join us today and experience the difference!

Digital & Online Banking

Accessibility and Ease of Use

Whether you're at home or out running errands, managing your finances has never been easier. Our mobile payments feature allows you to make purchases directly from your device, helping you stay organized and efficient in today's busy world. Everything is designed with you in mind quick access, user-friendly navigation, and real-time updates keep you informed about your financial situation. With these robust features at your fingertips, banking with Westby Co-op means you'll spend less time worrying about finances and more time enjoying life. Join us today and experience the convenience of modern banking!

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfers make it simple and fast. Plus, if you're always on the go, our mobile application gives you access to your accounts right from your smartphone or tablet. Security is a top priority for us. With electronic signature authorization available, you can confidently complete transactions without the hassle of paper forms. For those who prefer paperless options, we offer e-statements that are not only eco-friendly but also easily accessible whenever you need them.

Financial Strength

Efficient Operations

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.

Growing Trust

Total Share and Deposit 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. 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 1302 N Main St Viroqua Wi 54665 or call (608) 637-6200 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

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 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.

Solid 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

Additional Financing Options

For business owners seeking capital, our outstanding commercial loans amounting to $338,789,586 provide the necessary resources to grow and expand your business. We understand the unique challenges that businesses face and strive to support local entrepreneurs with financing solutions that fit their needs. If you're interested in refinancing any existing loans or learning more about eligibility options for our various loan products, feel free to reach out. We're here to help! For more information or to discuss how we can assist you further, please visit us at our branch located at 1302 N Main St Viroqua WI 54665, or give us a call at 608-637-6200. 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's work together toward achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $88,918,513 in used vehicle loans and $27,733,676 in new vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our flexible terms can make it easier for you to drive away with your choice of vehicle.

Mortgage Loans

Thinking about homeownership? Our mortgage options are tailored for you. We offer Junior Lien 1-4 Family Residential Properties loans totaling $20,949,169. These options make buying or refinancing simple and straightforward. Our team is here to guide you through each step of the process so that you can find the right solution for your housing needs.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. 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 rewards and benefits that can enhance your purchasing power while providing you with peace of mind.

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WESTBY CO OP CREDIT UNION - Viroqua, WI

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