Western Cooperative Credit Union Ray ND | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Western Cooperative, where community banking meets personal service. Nestled at 24 Railroad Ave, Ray, ND 58849, our branch has been serving members since 1938, establishing a legacy of trust and financial growth. With a proud membership of 18,210 individuals, we are committed to supporting our community with a range of services tailored to meet your needs. At Western Cooperative, we believe in the power of community and connection. Our total assets stand strong at $461,083,870, reflecting our stability and commitment to you. We have facilitated over 5,925 loans and leases, empowering members to achieve their financial goals whether it's purchasing a new car or consolidating debt. Our dedicated team is led by CEO Justin Maddison and Board President Larry Novak, both passionate about fostering relationships that make a difference. With 95 employees ready to assist you, we ensure personalized service that goes beyond transactions. While members can visit us at our physical location, official correspondence should be sent to PO Box 158, Ray, ND 58849 if needed. We're here for you Monday through Friday with convenient hours designed around your busy schedule. Explore how we can help you thrive financially! Call us today at 701-568-3663 or visit our website at www.wccu.org for more information on our services ranging from personal banking to business loans. Join us in building a brighter financial future together!

Branch History & Mission

Community Engagement and Support

Our mission extends beyond just banking; we are deeply invested in the well-being of the Ray community. We regularly engage in outreach efforts and partnerships that support local initiatives. By focusing on community development alongside financial stability, we work towards creating a brighter future for all residents of Ray.

Join Us

We invite you to become part of the Western Cooperative Credit Union family! Experience firsthand how we blend traditional values with modern conveniences to serve you better. Visit us during our operating hours Monday from 9:30 AM to 6:30 PM and Tuesday through Friday from 8:30 AM to 4:30 PM or give us a call at 701-568-3663. Together, let's build a strong financial future!

Modern Banking Solutions

In keeping with the times, we've embraced technology to offer services that fit into your busy life. With online and mobile banking options available, managing your finances has never been easier. You can access your accounts anytime and anywhere with features such as electronic statements and mobile payments.

Our Mission

At Western Cooperative Credit Union, our mission is simple yet profound: to empower our members through accessible financial services while fostering a supportive community environment. We believe that when individuals thrive financially, communities prosper as a whole. Whether it's through personal banking solutions like checking and savings accounts or loans for vehicles and homes, we aim to make banking easier and more beneficial for everyone. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to PO Box 158, Ray, ND 58849 if it differs from your visit.

Branch Location & Accessibility

Convenient Access

Our branch is designed with your convenience in mind. While you can visit us at 24 Railroad Ave for all your banking needs, if you need to send official correspondence, please use our mailing address: PO Box 158, Ray, ND 58849. We are situated near notable landmarks that make it easy to find us just a short drive from local favorites and essential services.

Friendly Features

At Western Cooperative Credit Union, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can comfortably enter and use our facilities. Parking is available nearby, making it hassle-free for you to drop by anytime.

Join Us Today!

We invite you to stop by or give us a call at 701-568-3663 if you have any questions about our services or how we can help you achieve your financial goals. At Western Cooperative Credit Union, we're more than just a bank; we're part of your community. Visit us today!

Operating Hours

We know that life gets busy! That's why we have tailored our operating hours to fit your schedule. You can visit us on Mondays from 9:30 AM to 6:30 PM and from Tuesday through Friday between 8:30 AM and 4:30 PM. Our friendly staff is always ready to assist you during these times.

Services Just for You

We provide a wide range of banking services designed to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage options, we've got you covered. Plus, enjoy the benefits of online and mobile banking for added convenience.

Member Eligibility

Becoming a member of Western Cooperative is like joining a close-knit family that truly cares about your financial well-being. We welcome anyone who lives, works, or worships in our local community to join us at our branch located at 24 Railroad Ave Ray Nd 58849. If you meet these simple criteria, you'll enjoy all the benefits that come with membership, including personalized service and competitive rates on loans and savings products. Plus, once you're a part of our community, you gain access to a range of financial services tailored to fit your needs. For more details on eligibility requirements, feel free to visit our website at http://www.wccu.org/membership . When you're ready to open an account, it's just as easy! You can start the process online by visiting https://my.wccu.org/enroll , or give us a call at (701) 568-3663 if you have any questions. Join us today and experience the difference that membership at Western Cooperative can make!

Business Banking & Commercial Services

Business Loan Options

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

Managing payments shouldn't be a hassle. Our merchant services simplify transactions so you can focus on what you do best running your business. Whether it's accepting credit cards or setting up online payment options, we provide solutions that fit your operational needs. Located at 24 Railroad Ave Ray Nd 58849 in Ray, ND, we're here to support your business journey every step of the way. Reach out to us at (701) 568-3663 to learn more about how we can help you grow!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer tailored business banking services. From merchant services that simplify payment processing to business loans that help grow your operations, we're committed to supporting local businesses in Ray and beyond.

Credit Cards and Rewards

Shopping and dining just got a little more rewarding! Our credit cards with rewards allow you to earn points on every purchase, making your everyday spending work for you. Enjoy benefits like cashback offers or travel rewards as part of your membership experience.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we emphasize our online and mobile banking features. With these tools, you can manage your accounts anytime, anywhere from paying bills to transferring money between accounts with just a few taps on your phone. We also offer ATM and cash withdrawal services for those who prefer traditional banking methods. At Western Cooperative, we're not just about transactions; we're about building relationships with our members. Our dedicated staff is always available by phone at 701-568-3663 during our operating hours Monday from 9:30 AM to 6:30 PM and Tuesday through Friday from 8:30 AM to 4:30 PM to answer any questions or provide assistance. Ready to take control of your financial future? Visit us at 24 Railroad Ave, Ray, ND 58849, or check out our website at www.wccu.org for more information on how we can serve you better!

Loans for Every Need

When it comes to financing, we have you covered! Our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream car. If you're considering buying a home, explore our mortgage loans and refinancing solutions that can fit your budget and lifestyle. For those unexpected expenses or personal projects, we also provide personal loans and debt consolidation services that can help ease financial burdens.

Personal Banking

We understand that managing your finances is essential to achieving your dreams. That's why we offer various personal banking options, including checking and savings accounts designed to help you save for future endeavors or manage daily expenses effectively. Whether you're just starting out or looking for ways to maximize your savings, our friendly team is ready to assist you.

Digital & Online Banking

Convenient Features

We know that time is precious. That's why features like electronic signature authorization make it easy for you to complete transactions securely without needing to visit the branch. Plus, with e-statements available, you can reduce paper clutter while still keeping track of your financial activities effortlessly. For those who prefer banking on their mobile devices, our mobile application offers an intuitive interface that makes banking even more convenient. You can set up mobile payments to make transactions quick and hassle-free. If you ever need to send money to a friend or family member, our person-to-person transfer feature allows for instant transfers without any stress.

Security You Can Trust

At Western Cooperative, we prioritize your security. Our systems are designed with top-notch security measures to protect your personal information and transactions. You can bank confidently knowing that we are committed to keeping your data safe while providing user-friendly experiences. In today's fast-paced world, having the ability to manage your finances easily is essential. With our digital and online banking services, you'll enjoy the freedom of real-time account management tailored to fit your lifestyle. Join us at Western Cooperative and experience banking made easy!

Financial Strength

Growing Trust

The trust placed in us by our community is evident with a total of 45,363 share accounts. This shows a strong and growing member base that relies on Western Cooperative for their financial needs. Our net shares available for lending stand at $212,975, demonstrating our ability to support your aspirations effectively. 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 24 Railroad Ave Ray Nd 58849 or call (701) 568-3663 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $6,007,928 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 88 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment in Community

With $56,506,118 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; with $2,438 in used auto loans and $246,867,986 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Foundation

With a net worth of $62,514,046, we maintain strong 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.

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. We also provide refinancing options if you're looking to lower your monthly payments or reduce the interest rate on your current loan.

Business Financing

For business owners, our outstanding commercial loans totaling $110,851,448 provide the capital needed to grow and expand. We know how vital it is to have access to funds when running a business, and our flexible terms can help ensure your success.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, we have solutions tailored for you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This is a great option if you're looking for easy access to credit without needing collateral. For any questions or to explore eligibility options, feel free to reach out at (701) 568-3663, or visit us at 24 Railroad Ave Ray Nd 58849 in Ray, ND. You can also learn more about our offerings by visiting our website: https://www.wccu.org/ . 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 support you on your journey toward financial well-being!

Loan Aggregator

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User Experience

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WESTERN COOPERATIVE CREDIT UNION - Ray, ND