Whatcom Educational Credit Union Bellingham WA | Quick Personal Loans & Top Checking Accounts

Introduction

Welcome to Whatcom Educational, your trusted financial partner located at 516 E Holly St, Bellingham, WA 98225. Since our establishment in 1936, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With a robust membership base of over 163,950 members, we pride ourselves on being a cornerstone of financial support in Bellingham and the surrounding areas. At Whatcom Educational, we understand that your financial goals are important. That's why we manage total assets exceeding $2.89 billion and offer diverse services ranging from personal banking and auto loans to business financing. Our commitment to you is reflected in our impressive total deposits of $266,691,691 and a net worth of $354,624,694, ensuring stability and security for your funds. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 9750, Bellingham, WA 98225. Whether you're looking for a mortgage loan or seeking advice on personal finances, our knowledgeable team is here to help you navigate your options with confidence. Our leadership team is committed to providing exceptional service. CEO Jennifer Kutcher and Board President Gabriel Mast lead with a vision focused on community empowerment and member satisfaction. With over 410 employees, we're proud to have a dedicated team ready to assist you. We invite you to explore our website at wecu.com for more information about our services or give us a call at 360-676-1168 during lobby hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. Let us help you achieve your financial dreams!

Branch History & Mission

Commitment to Innovation

As times change, so do we. We understand the importance of digital advancements in banking today. That's why we offer online and mobile banking options that allow you to manage your finances anytime and anywhere. We're also dedicated to accessibility; our branch complies with ADA standards so that everyone can comfortably utilize our services.

Join Us!

With no ATM or drive-thru service available at this location currently, we invite you to come inside and experience what makes Whatcom Educational unique. Our lobby hours are Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. If you have questions or need assistance, feel free to reach out via phone at 360-676-1168. Join us at Whatcom Educational Credit Union and discover how we can help you achieve your financial goals while being part of a supportive community network! Visit us today or check out more information on our website here.

Our Mission

At Whatcom Educational, our mission is clear: to empower our members with personalized financial solutions while fostering a spirit of community support and development. We believe that everyone deserves access to quality financial resources and education. Our range of services includes personal banking like checking and savings accounts as well as auto loans and mortgages. We also offer business banking solutions to help local businesses thrive. We are committed to being more than just a bank; we aim to be a partner in your financial journey. Through various outreach programs and community initiatives, we strive to uplift the neighborhoods we serve and create lasting positive change.

Branch Location & Accessibility

Accessibility and Parking

We understand how important accessibility is for our members. Our branch complies with ADA standards and features ramps for easy access. Plus, ample parking is available nearby, ensuring a hassle-free visit whether you're coming in for a quick transaction or a more detailed consultation.

Connect With Us

Have questions? Don't hesitate to give us a call at 360-676-1168! We're excited to assist you with all your banking needs and look forward to welcoming you soon. Visit us today at Whatcom Educational Credit Union and discover how we can support your financial journey!

Operating Hours

We're here to serve you during our friendly lobby hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. We want your banking experience to be as smooth as possible, so feel free to drop by during these times!

Services Offered

At Whatcom Educational, we offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we're committed to helping you achieve your goals. Our friendly staff is always ready to assist you with personal loans, credit cards with rewards, and even business banking solutions.

Member Eligibility

Joining the Whatcom Educational community means stepping into a world of support and opportunity. At our branch located at 516 E Holly St, Bellingham, WA 98225, we welcome individuals who share our mission of promoting financial well-being. To become a member, you'll need to meet certain eligibility criteria. Generally, if you live, work, or attend school in Whatcom County, you're likely eligible to join us! For more detailed information on membership requirements, feel free to visit our website at https://www.wecu.com/, where you can find everything you need to know about becoming part of our family. Opening an account is simple and straightforward. We're here to help guide you through the process so that you can start enjoying all the benefits of membership at Whatcom Educational. From competitive loan rates to personalized service, becoming a member opens doors to financial products designed with your needs in mind. If you have any questions or need assistance, don't hesitate to reach out at 360-676-1168. We can't wait to welcome you!

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 $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

In today's fast-paced market, efficient payment processing is crucial. Our merchant services offer reliable solutions that allow you to accept payments seamlessly, enabling you to focus on what you do best running your business. Imagine a busy Saturday at your café; with our point-of-sale systems, transactions are quick and hassle-free, ensuring happy customers and smooth operations. Located at 516 E Holly St Bellingham Wa 98225 in Bellingham, WA, we're here to provide personalized service tailored to your specific needs. Connect with us today at (360) 676-1168 to learn more about how our business banking and commercial services can empower your business journey!

Comprehensive List Of Services

Accessing Your Accounts

In addition to these services, Whatcom Educational offers various conveniences such as ATM and cash withdrawal services, ensuring that accessing your funds is easy whether you're at home or on the go. Our commitment extends beyond traditional banking hours; take advantage of our online tools anytime! If you have any questions about our services or would like more information on how we can support your financial goals, don't hesitate to reach out! Give us a call at 360-676-1168, visit us online at wecu.com, or stop by our branch during lobby hours: Monday through Thursday from 9 AM - 5:30 PM and Friday from 9 AM - 6 PM. Let's make your financial dreams a reality together!

Auto Loans & Vehicle Financing

When it comes to financing your next vehicle, look no further than our auto loans and vehicle financing options. We understand that buying a car is a significant decision. Our competitive rates and flexible terms mean you can drive away in the vehicle you love without breaking the bank.

Business Banking

For those running businesses, our comprehensive business banking services include merchant services and business loans tailored to support growth and innovation. We understand the challenges of managing finances while running a business; that's why we provide solutions that work for you.

Credit Cards with Rewards

We also offer credit cards with rewards programs that let you earn points on everyday purchases. Whether you're planning a trip or just making regular transactions, you'll benefit from cash back and other exciting rewards while managing your spending.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing services. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we are here to guide you through every step of the process. Our dedicated mortgage specialists will help tailor solutions that work best for your financial situation.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that fit various lifestyles. Whether you want to save for a vacation or manage everyday expenses, our accounts come with features that make banking straightforward and convenient. You can easily access your funds through our robust online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options are designed to provide quick relief when needed most. Whether it's for home repairs or consolidating high-interest debt into one manageable payment, we're here to assist you in finding the right solution.

Digital & Online Banking

Convenience at Your Fingertips

With e-statements available, you can say goodbye to paper clutter and view your financial statements online at any time. If you're always on the move, our mobile application makes banking even simpler. Whether you're making mobile payments or sending money through person-to-person transfers, everything is just a tap away. In today's fast-paced world, having access to your accounts via mobile payments is crucial. Our services allow you to make quick transactions without the hassle of carrying cash or cards. It's all about making banking easier for you. At Whatcom Educational, we strive to keep banking accessible and straightforward. Explore our digital offerings today and experience how convenient managing your finances can be!

Key Services

Our online banking platform at https://www.wecu.com/ offers a variety of user-friendly features. You can check your account balances, transfer funds, and pay bills without needing to visit a branch. Plus, our 24/7 online banking services mean you have control over your finances whenever it suits you. Security is a top priority for us. We utilize electronic signature authorization, allowing you to sign documents safely from the comfort of your home. This feature not only protects your sensitive information but also speeds up processes so you can get things done faster.

Financial Strength

A Trusted Partner for Your Financial Needs

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 516 E Holly St Bellingham Wa 98225 or call (360) 676-1168 to learn more about how we can help you achieve your financial goals.

Commitment to Innovation and 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 lending capacity supports members' 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.

Member-Centric Savings Options

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.

Solid Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 vehicle or a reliable used one, our team is here to assist you every step of the way.

Commercial Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $504,656,331 provide the capital necessary to expand your operations. We're committed to supporting local businesses and helping them thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $122,190,214, ensuring you have access to the capital needed for your dream home.

Refinancing Options

If you're considering refinancing any of your existing loans, we can guide you through options that might lower your monthly payments or reduce interest rates. It's essential to explore how refinancing could benefit your financial health. For more information about our loan offerings or to discuss your specific needs, feel free to reach out at 360-676-1168 or visit us at 516 E Holly St Bellingham Wa 98225. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whatever your financial goals may be, Whatcom Educational is here to help you achieve them!

Unsecured Credit Card Loans

Managing daily expenses is easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $46,318,734 available to help members manage their finances effectively.

Loan Aggregator

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