WESTERN COOPERATIVE CREDIT UNION

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!

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.

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!

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 $1,356 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 $6,007,928, 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.