Whatcom Educational Credit Union Bellingham WA | Affordable Vehicle Loans & Business Banking

Introduction

At Whatcom Educational, we believe in building a strong foundation for our community. Established in 1936, our Fountain Branch located at 2625 Meridian St, Bellingham, WA 98225 has been serving members with dedication and trust for over eight decades. With a total membership of 163,950, we are proud to have created a supportive environment where everyone can thrive financially. As part of our commitment to you, we manage total assets of over $2.89 billion, ensuring that your financial needs are met with the utmost care. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgages, our diverse services cater to all aspects of your financial life. Currently, we have provided a significant 94,417 loans and leases, reflecting our active role in supporting your goals. While members can visit us at 2625 Meridian St, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. Our friendly team, led by CEO Jennifer Kutcher and Board President Gabriel Mast, is here to assist you with personalized service. With a dedicated staff of 410 employees, we're focused on making your experience seamless and rewarding. In addition to our robust financial offerings, we also maintain a healthy net worth of $354,624,694 and ensure liquidity with $29,179,486 in cash on hand. This stability allows us to offer competitive rates on deposits totaling $266,691,691 while keeping your interests at heart. We invite you to explore everything we have to offer! Reach out to us at 360-756-7309 or visit our website at www.wecu.com to learn more about how we can support your financial journey today. Your future is bright with Whatcom Educational Credit Union!

Branch History & Mission

Join Us!

As we look towards the future, we invite you to become part of the Whatcom Educational family. Experience firsthand how we can help you navigate your financial journey while making a positive impact on the community around us. Visit us today or give us a call at (360) 756-7309 we're here for you every step of the way!

Our Evolution

From our humble beginnings, we have continually adapted and expanded our offerings to meet the diverse needs of our members. As we celebrate decades of service, we proudly report total assets exceeding $2.89 billion. This growth reflects not only our commitment to sound financial practices but also the trust placed in us by our members. Our dedicated team of over 400 employees works tirelessly to provide exceptional service and valuable resources. While members can visit us at 2625 Meridian St Bellingham Wa 98225, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. We have also embraced modern technology to make banking easier and more convenient. Our digital advancements include online banking, mobile payments, and e-statements ensuring that our members can manage their finances anytime, anywhere.

Our Mission

Whatcom Educational is driven by a mission that goes beyond just providing financial services. We strive to enhance the lives of our members through education and community support. Our mission is simple: to empower individuals with the tools and knowledge they need to build a better future. We believe that when our members succeed, so does our community. We are proud of our partnerships with local organizations and schools that focus on financial literacy and outreach programs. Through these initiatives, we aim to foster a sense of belonging and mutual support among all residents of Bellingham and surrounding areas. Our branch offers essential services such as personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions all designed with your success in mind. With both drive-thru access and ATM availability at your convenience, managing your finances has never been easier.

Branch Location & Accessibility

Call to Action

We invite you to visit us at the Fountain Branch today! Our friendly team is ready to assist you with any questions you may have about your financial journey. If you prefer a chat over the phone or want more details about our services, don't hesitate to give us a call. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Our branch is situated near popular spots like the Bellingham Public Library and the bustling Bellis Fair Mall, making it a convenient stop during your daily errands. We offer ample parking for our visitors, ensuring that you can easily access our facilities without any hassle. Plus, our location is fully ADA compliant with ramps and accessible entrances so everyone can enjoy their banking experience comfortably.

Operating Hours

We understand that everyone has busy lives, which is why we've tailored our operating hours for your convenience. You can visit us Monday through Thursday from 9 AM to 5:30 PM, and on Fridays until 6 PM. For those on the go, our drive-thru service operates from 9 AM to 6 PM Monday through Friday, allowing you to complete simple transactions without leaving your vehicle.

Services Offered

At Whatcom Educational, we are proud to provide a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our drive-thru also offers basic services such as deposits and withdrawals for added convenience. Whether you need cash quickly or want to explore our loan offerings, you can use our ATM available on-site or call us directly at 360-756-7309 for more information.

Member Eligibility

Becoming a member of Whatcom Educational is like joining a caring family that supports your financial journey. If you live, work, or attend school in the Whatcom County area, you're already on the right path to membership! At Whatcom Educational, we believe in making banking accessible and personal. You can enjoy a variety of services tailored just for you, from checking and savings accounts to auto loans and credit cards with rewards. To get started, simply reach out to us at (360) 756-7309 or visit us at 2625 Meridian St Bellingham Wa 98225 to learn more about our account opening process. For detailed eligibility criteria, feel free to check out our website at . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services for Everyday Success

Imagine running your business smoothly without worrying about payment processing. Our merchant services offer convenient solutions tailored to meet your needs. Accepting payments quickly and securely can boost customer satisfaction and streamline your operations. Located at 2625 Meridian St Bellingham Wa 98225 in Bellingham, WA, we're here to help you navigate the financial landscape with confidence. Ready to take your business to the next level? Contact us at (360) 756-7309 or visit our website at https://www.wecu.com/ to learn more!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,100 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $504,656,331, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing services provide competitive rates that help you drive away with confidence. Whether it's a brand-new model or a reliable used vehicle, we work with you to find the right financing solution.

Business Banking

For entrepreneurs, we offer robust business banking solutions, including merchant services and business loans. Whether you're starting a small business or expanding an existing one, we have resources that can help you succeed.

Drive-Thru and ATM Services

Need to make a quick deposit or withdrawal? Our basic drive-thru banking makes transactions simple and efficient. For those moments when you're on the go, our ATMs provide easy access for withdrawals and balance checks. No matter what financial service you're looking for, Whatcom Educational in Bellingham is here to support you. With friendly staff ready to assist and flexible options designed around your needs, we invite you to discover how we can help improve your financial well-being today! For more information or if you have questions about any of our services, feel free to give us a call at 360-756-7309 or visit us online at wecu.com. Let's embark on this financial journey together!

Mortgage Loans and Refinancing

If homeownership is on your horizon, look no further than our mortgage loans and refinancing options. We understand that buying a home is one of the biggest decisions you'll make, which is why we guide you through every step of the process. Our personalized service helps ensure you find the mortgage that fits your budget.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features let you manage your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a tap away. Plus, our ATM services ensure you can access cash when you need it most.

Personal Banking

For those just starting out or looking to manage their finances better, our personal banking options are designed with you in mind. We offer checking and savings accounts that fit various lifestyles. Imagine easily keeping track of your spending while earning interest on your savings! Our credit cards with rewards make it even easier to get more from your everyday purchases.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way. That's where our personal loans come into play. Need to consolidate debt or fund a special project? Our flexible terms allow you to tackle financial challenges without stress.

Digital & Online Banking

At Whatcom Educational, we understand that convenience and security are paramount in today's fast-paced world. Our digital and online banking services are designed to give you easy access to your finances anytime, anywhere. Whether you're at home or on the go, managing your money is simple with our user-friendly platforms. Explore our comprehensive online banking features at https://www.wecu.com/. With 24/7 online banking services, you can check balances, transfer funds, and pay bills without stepping foot into a branch. We offer electronic signature authorization, making it easy and secure to complete transactions without the hassle of paperwork. For those who prefer going paperless, our e-statements service ensures that you can view your account statements electronically, saving trees and keeping your information organized. Plus, with our mobile application, accessing your accounts is just a tap away. You can deposit checks, manage payments, and even set up alerts for important account activity. One of the standout features is the ability to make person-to-person transfers. This means sending money to friends or family is quick and straightforward no need for cash or checks. And if you're a fan of mobile payments, you'll be pleased to know that we support this feature as well, allowing you to pay securely using your smartphone. At Whatcom Educational, we prioritize your security while providing these convenient services. Our systems are designed with state-of-the-art security measures to protect your information. Enjoy real-time account management and experience banking that fits seamlessly into your lifestyle!

Financial Strength

At Whatcom Educational, 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 are committed to providing a robust financial foundation that ensures your money is safe and working hard for you. With a net worth of $354,624,694, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,225 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 $532,301,708 in share certificates and $65,957,597 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,284,526, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $342,940,295 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 your financial goals across various sectors with $33,522 in used auto loans and $2,276,482,651 in total loans and leases. Our operational efficiency is reflected in our $10,607,084, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 405 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares amounting to $4,842,643, funds are available for lending and investments. The trust placed in us by our growing member base is evident with 247,597 total share accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Whatcom Educational is your trusted partner. Visit us at 2625 Meridian St Bellingham Wa 98225 or call (360) 756-7309 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $559,285,816 in used vehicle loans and $98,469,575 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or opting for a reliable used vehicle, we have options that fit your budget.

Commercial Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $504,656,331 provide the capital needed to expand operations or invest in new projects. We know how vital it is for businesses to have access to funds when they need them most.

Credit Lines and Unsecured Loans

For those looking to manage daily expenses or consolidate debt, we offer flexible terms on unsecured credit card loans. With a total of $46,318,734 in unsecured credit card loans assisting our members effectively manage their finances, you'll find that our offerings are both convenient and affordable. Additionally, our total credit lines amount to $962,277,406, giving you ample opportunities for financing as needed.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $122,190,214, make buying or refinancing simple. We provide guidance throughout the process to ensure you understand your options and find the right fit for your financial situation.

Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, we're here to help. Our team can guide you through eligibility options tailored to your specific circumstances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're ready to explore these loan products further or have any questions about eligibility or refinancing options, don't hesitate to reach out to us at (360) 756-7309 or visit us at our branch located at 2625 Meridian St Bellingham Wa 98225 in Bellingham, WA. We look forward to helping you achieve your financial dreams!

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