Western Cooperative Credit Union Beach ND | Best Auto Loans & ATM Services

Introduction

Welcome to Western Cooperative, your trusted partner in financial services located at Po Box 366, Beach, ND 58621. Since our establishment in 1938, we've grown to serve over 18,210 members, providing them with a range of financial solutions tailored to meet their unique needs. With total assets exceeding $461,083,870 and deposits amounting to $39,203,338, we pride ourselves on being a solid foundation for our community. At Western Cooperative, we understand that banking is more than just transactions; it's about building relationships and enhancing lives. Our dedicated team of 95 employees, led by CEO Justin Maddison and Board President Larry Novak, is here to guide you through your financial journey. We offer various services including personal banking, auto loans, mortgages, and business banking solutions all designed with you in mind. While members can visit us at our Beach location, official correspondence should be sent to our mailing address at 60 2nd St NE, Beach, ND 58621. For any inquiries or assistance, feel free to reach out at 701-872-2228 or explore our offerings online at wccu.org. Join us today and experience the warmth of community-focused banking where your financial well-being is our priority!

Branch History & Mission

At Western Cooperative, we are proud of our rich legacy that began in 1938. Founded with the vision of providing accessible financial services to the community, our branch has grown and adapted over the decades to meet the changing needs of our members in Beach, ND. Located at Po Box 366 Beach, ND 58621, we have become a cornerstone in the lives of our members, offering support and resources that empower them financially. Since opening our doors, Western Cooperative has committed itself to not only serving our members but also uplifting the community around us. With a total membership of over 18,210 individuals, we have built strong relationships based on trust and mutual benefit. Our total assets now stand at an impressive $461,083,870, reflecting our solid financial foundation and ability to serve even more people in the future. Our mission is clear: we aim to provide comprehensive financial services that enhance the well-being of our members while fostering community growth. We offer a range of personal banking options including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Additionally, we prioritize convenience through online and mobile banking options that allow our members to manage their finances anytime, anywhere. In today's digital age, we've embraced technology while ensuring accessibility for everyone. Our branch is fully ADA compliant and equipped with modern conveniences such as ATM availability and drive-thru banking for quick transactions. We understand how busy life can be; that's why we strive to make your banking experience as smooth as possible. While members can visit us at our Beach location for personalized service during our lobby hours from Monday to Friday between 9:00 AM and 5:00 PM, official correspondence should be sent to our mailing address at 60 2nd St NE, Beach, ND 58621. Community involvement is at the heart of what we do. We actively engage in outreach efforts and partner with local organizations to uplift those around us. Whether it's sponsoring local events or providing educational workshops on financial literacy, we believe in giving back and making a positive impact. If you're looking for a credit union that genuinely cares about your financial journey and community well-being, look no further than Western Cooperative. Join us today and experience firsthand the benefits of being part of an institution that puts its members first! For more information on membership or to open an account online, visit our website or call us at 701-872-2228.

Branch Location & Accessibility

Accessibility Features

At Western Cooperative, we understand that accessibility is important for all our members. Our branch is equipped with features that comply with ADA standards, ensuring everyone can comfortably access our services. We also offer parking facilities right outside the building for your convenience.

Contact Us

We're excited to serve you! If you have any questions or would like more information about our services, don't hesitate to give us a call at 701-872-2228. Visit us today at Western Cooperative Credit Union where community and service come together!

Operating Hours

We are here for you Monday through Friday from 9:00 AM to 5:00 PM. Our hours are designed to fit into your busy schedule so you can come in when it suits you best.

Services Offered

As a member of Western Cooperative Credit Union, you'll have access to a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions that work for you. Plus, enjoy the ease of drive-thru banking for quick deposits and withdrawals. For those times when you need cash on the go, our ATM is available on-site for your convenience. Whether it's balance checks or cash withdrawals, we've got you covered.

Member Eligibility

At Western Cooperative, we believe that everyone deserves to be part of a caring and supportive community. Becoming a member is easy and welcoming. If you live, work, or worship in the areas we serve, or if you have family members who are already part of our credit union, you're likely eligible to join us! We strive to create a place where you can feel at home while accessing various financial services tailored just for you. To learn more about our specific eligibility criteria, please check out this link. Joining Western Cooperative means gaining access to a range of benefits designed to help you achieve your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgages, we're here for you every step of the way. Opening an account is straightforward just visit us online at this page or give us a call at (701) 872-2228 for any questions. Your journey towards better financial health starts with us!

Business Banking & Commercial Services

Financing for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $738 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $15 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $110,851,448, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, our merchant services simplify transactions so you can focus on what you do best running your business. Imagine seamlessly accepting payments from customers while managing your finances all in one place. Our tools are designed for ease of use, ensuring that you spend less time on paperwork and more time growing your enterprise. Located at Po Box 366 Beach Nd 58621 in Beach, ND, we're here to partner with you every step of the way. For more information, give us a call at (701) 872-2228 or visit us online at Western Cooperative Credit Union. Let's build something great together!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we offer robust Business Banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team understands what it takes to make your business thrive.

Convenient Access

To make banking even more convenient, we provide Online & Mobile Banking, allowing you to manage your accounts anytime, anywhere. Need cash? With our ATM and cash withdrawal services available at various locations, accessing your funds is quick and easy. Additionally, our basic drive-thru banking offers simple transactions like deposits and withdrawals without leaving your car. At Western Cooperative, we are committed to serving our community with integrity and care. If you're ready to explore how we can support your financial goals, don't hesitate to reach out! Call us at (701) 872-2228 or visit us at Po Box 366 Beach Nd 58621 in beautiful Beach, ND. Let's work together towards a brighter financial future!

Credit Cards

Don't forget about our Credit Cards with Rewards! These cards not only give you purchasing power but also allow you to earn rewards on your everyday spending. It's like getting paid back for things you already buy!

Home Financing

For those looking to buy a home, our Mortgage Loans & Refinancing options are here to assist you every step of the way. Whether you're a first-time buyer or looking to refinance an existing mortgage, we provide personalized service and guidance throughout the process.

Personal Banking

We offer various Personal Banking options, including checking and savings accounts that help you manage your day-to-day finances effectively. Our accounts come with features that let you access your money easily through online banking and mobile applications. Imagine being able to check your balance or transfer funds right from your phone while you're out running errands. If you're considering purchasing a car or need to refinance an existing vehicle, our Auto Loans & Vehicle Financing services are tailored for you. We work with you to find competitive rates and flexible terms that fit your budget. Picture yourself driving off in that new car without the stress of overwhelming payments.

Personal Loans

Sometimes life throws unexpected expenses at us. That's where our Personal Loans & Debt Consolidation services come into play. We help simplify your financial obligations by offering loans that can consolidate higher-interest debts into one manageable payment.

Digital & Online Banking

Key Services

With our 24/7 online banking, you can check balances, transfer funds, and pay bills whenever it suits you. Plus, our mobile application makes banking even easier. You can deposit checks, view transactions, and manage your accounts right from your smartphone. And if you're someone who loves the ease of mobile payments, you'll be pleased to know that we offer this feature for quick and hassle-free transactions. Security is a top priority at Western Cooperative. Our electronic signature authorization ensures that your transactions are safe and protected, giving you peace of mind with every click. For those who prefer paperless options, we provide e-statements, allowing you to access your financial information without the clutter of physical documents. Need to send money to a friend or family member? Our person-to-person transfers make it simple to send cash directly from your account to theirs in just moments. This feature adds another layer of convenience to your banking experience. At Western Cooperative, we're committed to making banking accessible for everyone. With user-friendly interfaces and robust security measures, you can trust us to keep your financial matters in order while providing the tools you need to stay informed and empowered. Join us today at https://www.wccu.org/ and discover how our digital and online banking services can make managing your finances easier than ever!

Financial Strength

At Western Cooperative, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining strong financial health, which allows us to better serve you, our valued members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $62,514,046, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.56% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $26,683,774 in share certificates and $108,535,442 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. Our commitment to our members is further highlighted by having $56,506,118 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $2,438 in used auto loans and $246,867,986 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $1,827,440, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 88 full-time employees and 7 part-time employees. This dedicated team ensures that our branches are always ready to assist you with knowledgeable support. Net Shares (Funds available for lending and investments): $212,975. Total Share and Deposit Accounts: 45,363, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Western Cooperative is your trusted partner. Visit us at Po Box 366 Beach Nd 58621 or call (701) 872-2228 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $46,535,501 in used vehicle loans and $18,919,434 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our team is ready to provide guidance and support throughout the financing process.

Credit Lines and Business Loans

For those looking for additional flexibility, our credit lines totaling $54,040,899 can provide you with the financial breathing room you may need. Additionally, if you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $110,851,448 are designed to provide the capital necessary for expansion. If you're interested in any of these loan products or want to explore refinancing options that may be available for your current loans, please don't hesitate to reach out. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're planning a major purchase or need assistance with managing your finances through various loan types, Western Cooperative is here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,375,244, make buying or refinancing simple. We offer competitive rates and flexible terms that fit your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently we have $0 in unsecured credit card loans available, our goal is always to help our members manage their finances effectively when they choose this option.

Loan Aggregator

Ensuring 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 guarantees that users receive fair and transparent offers, avoiding the pitfalls of misleading advertisements or hidden fees often found in the lending industry.

Key Benefits of Using LendMesh

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WESTERN COOPERATIVE CREDIT UNION - Beach, ND

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