Whatcom Educational Credit Union Bellingham WA | Affordable Auto Loans & Online Banking

Introduction

Welcome to Whatcom Educational, your trusted partner in financial success located at 1225 Harris Ave, Bellingham, WA 98225. Since our establishment in 1936, we have proudly served the community, fostering a sense of belonging among our 163,950 members. Our commitment to providing personalized service and valuable financial solutions is evident in our impressive total assets of $2,893,212,226 and total deposits amounting to $266,691,691. At Whatcom Educational, we understand that every financial journey is unique. Whether you're looking for auto loans with competitive rates or personalized banking services, we have you covered with a variety of offerings tailored to meet your needs. Our 410 dedicated employees, led by CEO Jennifer Kutcher and Board President Gabriel Mast, are here to guide you every step of the way. While members can visit us at our branch location, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. We invite you to explore what makes us stand out in the world of credit unions. With a robust net worth of $354,624,694 and cash readily available at $29,179,486, we are committed to ensuring your peace of mind. Join us today and experience the difference at Whatcom Educational. For inquiries or assistance, feel free to call us at 360-756-7355 or visit our website at wecu.com. Your financial well-being is our priority!

Branch History & Mission

Community Commitment

What sets us apart is not only our financial offerings but also our deep-rooted commitment to community outreach. We actively engage in partnerships and initiatives aimed at improving the lives of those around us. From supporting local schools to sponsoring community events, we take pride in being more than just a bank; we are your neighbors invested in your success. In today's digital world, we have embraced advancements that enhance member experiences. Our services include online banking and mobile payments that make managing finances simpler and more efficient for everyone. We also ensure ADA compliance so that all members can access our services comfortably. As we look forward to future growth, we invite you to join Whatcom Educational. Experience firsthand the benefits of being part of a credit union that prioritizes your financial well-being while making a positive impact on the community. Together, let's build a brighter future! For any questions or assistance, feel free to reach out at 360-756-7355. We're here for you every step of the way!

Our Mission

At Whatcom Educational, our mission is clear: we strive to empower our members through personalized financial solutions while actively contributing to the well-being of our community. We offer a range of services, including personal banking, auto loans, mortgages, business loans, and online banking options that cater to the modern consumer's needs. We understand that everyone's financial journey is unique; therefore, we prioritize tailoring our services for each member. While members can visit us at 1225 Harris Ave for all their banking needs, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. Our lobby hours are designed with convenience in mind open Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM.

Branch Location & Accessibility

Accessibility Features

Our branch is ADA compliant, featuring ramps for those who need them and ample parking available for our members. We strive to make your visit as comfortable as possible.

Operating Hours

We're here to serve you! Our lobby hours are Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. Whether you need assistance with personal banking, loans, or other services, our friendly staff is ready to help during these hours.

Services Offered

At Whatcom Educational, we offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. Plus, we have an ATM available for quick cash withdrawals and balance checks. While members can visit us at 1225 Harris Ave for all their banking needs, official correspondence should be sent to our mailing address: PO Box 9750, Bellingham, WA 98227. We invite you to stop by or give us a call at 360-756-7355. Experience the friendly service and community-focused banking that sets us apart!

Member Eligibility

Joining Whatcom Educational is like becoming part of a caring community that values your financial well-being. We welcome individuals who live, work, worship, or attend school in the Whatcom County area. It's that simple! Our mission is to support you with a range of financial services tailored just for you. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we have something for everyone. To become a member, simply visit us at our branch located at 1225 Harris Ave Bellingham Wa 98225, or give us a call at (360) 756-7355 if you have any questions. You can also check out the detailed eligibility criteria on our website at . We're excited to help you take the first step towards a brighter financial future at Whatcom Educational!

Business Banking & Commercial Services

Financing Your Vision

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.

Merchant Services That Make a Difference

Imagine a busy Saturday at your store. Customers are lining up, eager to make purchases, but what if your payment system falters? Our merchant services ensure that you can accept payments smoothly and efficiently. From credit card processing to mobile payment solutions, we equip your business with the tools necessary to keep transactions flowing seamlessly. Located at 1225 Harris Ave Bellingham Wa 98225, Bellingham, WA 98225, we're just a phone call away at (360) 756-7355. Let's work together to fuel your business's success!

Comprehensive List Of Services

Business Banking

For our business members, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, our experts are ready to help you navigate your options.

Community Focused

At Whatcom Educational, we're not just about banking; we're about building relationships within our community. Our mission is to serve our members with care and dedication. If you have questions about any of our services or would like assistance in choosing what's best for you, don't hesitate to reach out! Give us a call at 360-756-7355, or visit us during lobby hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. Explore how we can help make your financial life easier today!

Credit Options

In need of quick cash for unexpected expenses? Our personal loans and debt consolidation solutions provide the support you need without added stress. Plus, with our credit cards featuring rewards, you can earn points on everyday purchases while enjoying financial flexibility.

Digital Banking Features

Staying connected with your finances has never been easier. With our robust online and mobile banking features, you can manage your accounts anytime, anywhere. From checking balances to transferring funds or making payments through mobile payments, we prioritize convenience. Need cash on the go? Our ATMs provide easy access for withdrawals and balance checks right when you need it.

Personal Banking Solutions

For individuals and families, we offer a variety of personal banking options. You can choose from checking and savings accounts designed to help you manage your daily expenses and save for tomorrow. If you're planning on buying a new car, our auto loans and vehicle financing options are competitive and flexible, making it easier than ever to drive away in your dream car. Thinking about homeownership? Our mortgage loans and refinancing services can guide you through the process smoothly. We understand that every member's situation is unique, which is why our team is here to assist you with personalized advice every step of the way.

Digital & Online Banking

Go Mobile with Ease

Our mobile application brings all these features right to your fingertips. Whether you want to make mobile payments or conduct person-to-person transfers, everything is just a tap away. You can easily send money to friends or family without needing cash or checks. In summary, Whatcom Educational offers a complete digital banking experience that emphasizes convenience and security. From real-time account management to easy mobile transactions, our services are tailored to fit your lifestyle. Experience the ease of banking digitally today!

Key Features of Our Digital Banking Services

When you visit us at https://www.wecu.com/, you'll discover a variety of features designed to enhance your banking experience. Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills at your convenience. Whether you're at home or on the go, managing your finances has never been easier.

Security You Can Trust

Security is a top priority for us. We use the latest encryption technology to keep your personal information safe. Plus, with electronic signature authorization, signing documents online is both secure and straightforward no need to print or mail anything.

Stay Connected with E-Statements

Say goodbye to paper clutter! With e-statements, you can receive your account statements electronically. This not only helps the environment but also gives you instant access to your financial information whenever you need it.

Financial Strength

Commitment to Growth

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 commitment to lending is evident with $33,522 in used auto loans and a total of $2,276,482,651 in loans and leases, supporting your financial goals across various sectors.

Member Savings and Investment Opportunities

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.

Operational Efficiency

Our net income of $10,607,084 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 405 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Solid Financial Foundation

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 1225 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Membership Base

Total Share and Deposit Accounts stand at 247,597, showcasing a strong and growing member base that trusts us with their finances. This growth not only reflects our reliability but also reinforces the community spirit we cherish at Whatcom Educational. 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 1225 Harris Ave Bellingham Wa 98225 or call 360-756-7355 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 $559,285,816 in used vehicle loans and $98,469,575 in new vehicle loans already helping members get on the road. We provide flexible financing options that make it easier to drive off with your dream vehicle.

Business Financing

If you're a business owner looking for capital to grow and expand, our outstanding commercial loans totaling $504,656,331 are designed to support your ambitions. We understand the challenges that come with running a business and are here to help you succeed.

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 believe that securing a mortgage should be straightforward and stress-free. Our team is here to guide you through every step of the process.

Refinancing Options

We also offer refinancing options across various loan types. If you're looking to lower your monthly payments or consolidate your debts into one manageable payment plan, reach out to us for personalized advice on how we can assist you. At Whatcom Educational located at 1225 Harris Ave Bellingham Wa 98225, we're committed to providing our members with financial solutions that work for them. If you have any questions or need assistance with your loan application process, feel free to give us a call at 360-756-7355. For more information about our loan offerings and other services available at our branch, visit us online at wecu.com. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Unsecured Credit Card Loans

For those who need a little extra flexibility in managing their finances, we also offer unsecured credit card loans. With a total of $46,318,734 in loans helping members navigate their spending effectively, our credit cards come with competitive rates and rewards tailored to fit your lifestyle.

Loan Aggregator

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