Western Cooperative Credit Union Williston ND | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Western Cooperative, your trusted financial partner located at 215 Washington Ave, Williston, ND 58801. Established in 1938, our credit union has been dedicated to serving our community for over 85 years. With a membership base of 18,210 individuals, we pride ourselves on being more than just a financial institution; we are a vital part of the Williston community. At Western Cooperative Credit Union, we understand that personal finance can be complex, but our mission is to simplify it for you. Our total assets exceed $461 million, demonstrating our stability and commitment to helping you achieve your financial goals. Whether you're looking for auto loans, mortgages, or business financing, we have the resources to meet your needs. Currently, we manage $39,203,338 in deposits and provide over 5,925 loans and leases to our valued members. Our leadership team is committed to your success. Under the guidance of CEO Justin Maddison and Board President Larry Novak, we work tirelessly to ensure that our services are tailored to fit the needs of our members. We also prioritize transparency and accessibility; if you need assistance, feel free to reach out at 701-572-4000 or visit us during our lobby hours: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 4:30 PM, Wednesday from 9:30 AM to 4:30 PM, and Saturday from 8:30 AM to 12:30 PM. While members can visit us at our branch location, official correspondence should be sent to PO Box 2237, Williston, ND 58802. We invite you to explore all that Western Cooperative has to offer by visiting our website at wccu.org. Here at Western Cooperative Credit Union, we are committed to making your financial journey smooth and rewarding. Come join us today!

Branch History & Mission

A Commitment to Accessibility

We understand that convenience is key in today's fast-paced world. That's why we offer features like drive-thru banking and ATM access for easy transactions. Our operating hours are designed with your schedule in mind: Monday, Tuesday, Thursday, and Friday from 8:30 AM to 4:30 PM; Wednesday from 9:30 AM to 4:30 PM; and Saturday from 8:30 AM to 12:30 PM. In addition to traditional banking methods, we've embraced digital advancements providing online banking and mobile payment options so you can manage your finances anytime, anywhere. Our dedication to ADA compliance ensures that everyone in our community can access our services comfortably.

Join Us

As we look forward to the future, we invite you to join the Western Cooperative family. Experience firsthand how our unique blend of personalized service and innovative solutions can help you achieve your financial goals while supporting your community. Discover the difference at Western Cooperative Credit Union today! For more information or to open an account, visit us online at wccu.org or call us at 701-572-4000. Together, let's build a brighter future!

Our Mission

At the heart of Western Cooperative lies a mission that drives us every day: to empower individuals and families through personalized financial solutions while promoting community well-being. We believe that when you succeed, we all succeed. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and business banking solutions. While members can visit us at 215 Washington Ave, official correspondence should be sent to PO Box 2237, Williston, ND 58802. Our commitment extends beyond just providing financial products. We actively engage in community outreach efforts, partnering with local organizations to support various initiatives aimed at enhancing the quality of life in Williston and its surroundings. Whether it's sponsoring local events or contributing to educational programs, we're dedicated to making a positive impact.

Branch Location & Accessibility

ATM Availability

For added convenience, we have an ATM available on-site, making it easy for you to access cash whenever you need it.

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with features like ADA-compliant ramps and ample parking to ensure everyone can easily access our services.

Banking Hours

At Western Cooperative, we want to make banking convenient for you! Our lobby hours are Monday, Tuesday, Thursday, and Friday from 8:30 AM to 4:30 PM, and on Wednesday from 9:30 AM to 4:30 PM. We also open on Saturday from 8:30 AM until noon. If you need assistance outside of these hours, feel free to reach out via phone at 701-572-4000.

Call-to-Action

Stop by Western Cooperative today! Whether you're looking to open a new account or simply want some advice on financial options, our friendly team is ready to help. We look forward to seeing you soon!

Mail & Communication

While members can visit us at our branch address, official correspondence should be sent to PO Box 2237, Williston, ND 58802.

Services Offered

We offer a range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, our drive-thru service allows for quick deposits and withdrawals without leaving your car.

Member Eligibility

Welcome to the Western Cooperative, where joining our community means becoming part of a supportive family focused on your financial well-being. If you're wondering how to become a member, it's simple! At Western Cooperative, we proudly serve individuals who live, work, or attend school in our local area. This includes residents of Williams County and nearby regions. We believe everyone deserves access to excellent financial services, so whether you're looking for personal banking options or business solutions, we're here for you. To get started on your journey with us, just visit our website at http://www.wccu.org/membership for the latest eligibility details. You'll find that opening an account is straightforward and welcoming just what you would expect from a community-focused credit union. If you have any questions or need assistance along the way, feel free to call us at (701) 572-4000. We're excited to help you become a member at Western Cooperative!

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

In addition to loans, we offer merchant services that simplify daily operations. Imagine having a reliable way to process payments, track sales, and manage inventory all in one place. Our tools help you focus on what you do best growing your business. Located at 215 Washington Ave Williston Nd 58801 in Williston, ND, we invite you to visit us or call us at (701) 572-4000 to explore how our business banking solutions can support your success!

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick transactions such as deposits and withdrawals without leaving your vehicle. Whether you're in a hurry or prefer the ease of using an ATM for balance checks, we've got those covered too. At Western Cooperative, we're here to support you every step of the way in achieving your financial goals. If you're interested in learning more about our services or opening an account, don't hesitate to reach out! Call us at (701) 572-4000 or visit us at http://www.wccu.org . Join us today and experience how convenient banking can be!

Business Banking

For local business owners, our business banking services, including merchant services and business loans, provide essential tools to help your business thrive. We understand that every business has unique needs, so we tailor our solutions accordingly.

Credit Cards

Our credit cards with rewards offer more than just a way to make purchases; they give back to you with points for every dollar spent. Imagine earning rewards on your everyday purchases, making it a win-win situation!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Western Cooperative, we offer robust online and mobile banking features. With our user-friendly apps, you can check balances, transfer money, and even deposit checks from the comfort of your home. Our ATM services allow easy cash withdrawals anytime you need them.

Loans and Financing

If you're considering purchasing a vehicle or need funds for a home, our auto loans and vehicle financing options make it simple. You can also explore our mortgage loans and refinancing services if you're looking to buy a new home or lower your monthly payments on your current mortgage. For those unexpected expenses, our personal loans and debt consolidation solutions can provide the financial relief you need.

Personal Banking

For individuals looking to manage their day-to-day finances, our personal banking services have you covered. We offer checking and savings accounts designed to help you save for the future while having easy access to your funds. Whether you are saving for a special occasion or just need a reliable account for everyday spending, we can help.

Digital & Online Banking

Key Features

Managing your money has never been easier with our mobile application, available for download on various devices. This app allows you to perform transactions, deposit checks using electronic signatures, and even set up e-statements for easy record-keeping all from the palm of your hand. And if you prefer the traditional way of doing things, you can still enjoy the benefits of electronic signature authorization for secure document handling. For those who like to stay connected with friends and family, our person-to-person transfer feature makes sending money a breeze. Simply enter your recipient's details, and you can send funds instantly without needing to visit a branch. Additionally, with mobile payments enabled, making purchases is as simple as tapping your phone. We also prioritize security in every aspect of our digital services. Your personal information is protected with top-notch encryption protocols so that you can bank with peace of mind. In summary, Western Cooperative offers a comprehensive suite of digital banking tools designed to empower you in managing your finances effectively. From e-statements to mobile payments and everything in between, we're here to support your financial journey wherever it takes you!

Financial Strength

Building Trust Together

Net Shares (Funds available for lending and investments): $212,975. Total Share Accounts: 45,363, show 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 215 Washington Ave Williston Nd 58801 or call (701) 572-4000 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.

Commitment to Growth

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 supports members' financial goals with $2,438 in used auto loans and $246,867,986 in total loans and leases.

Member Savings and Investments

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.

Our Financial Health

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 provide flexible terms and competitive rates that make financing simple and accessible.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also offer credit lines totaling $54,040,899, providing you with financial flexibility when you need it most. Our unsecured credit card loans currently total $0, but our member-friendly policies ensure that once available, they will help manage finances effectively without added stress. For business owners looking to expand their operations or start a new venture, our outstanding commercial loans totaling $110,851,448 provide the capital needed for growth. At Western Cooperative, we are committed to transparency and support throughout your borrowing experience. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Feel free to reach out at 701-572-4000 if you have any questions or need assistance choosing the right loan product for you! We're here to help you achieve your financial dreams today.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $8,375,244. We make buying or refinancing straightforward with various plans to fit your budget. If you're considering refinancing your current mortgage or exploring eligibility options for first-time buyers, our team is ready to assist you every step of the way.

Loan Aggregator

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WESTERN COOPERATIVE CREDIT UNION - Williston, ND