Whatcom Educational Credit Union Bellingham WA

Introduction

At Whatcom Educational, we believe in the power of community and the strength that comes from supporting one another. Established in 1936, our credit union has been a steadfast financial partner for over 163,950 members in Bellingham, WA and beyond. Located at 21 Bellwether Way Ste 111, we are here to help you navigate your financial journey with trust and reliability. While you can visit us at our branch for personalized service, please note that official correspondence should be sent to our mailing address: PO Box 9750, Bellingham, WA 98227. With total assets of $2,893,212,226 and total deposits reaching $266,691,691, we are committed to providing you with safe and secure banking options tailored to meet your needs. Our leadership team, guided by CEO Jennifer Kutcher and Board President Gabriel Mast, is dedicated to ensuring that our members receive top-notch service. With a robust team of 410 employees, we strive to create an environment where everyone feels valued and supported. We take pride in our financial health as well; with a net worth of $354,624,694 and cash in hand amounting to $29,179,486, we are well-positioned to offer competitive loan options. In fact, we currently manage a total of 94,417 loans and leases, demonstrating our commitment to helping you achieve your financial goals. Whether you're looking for auto loans or savings accounts, Whatcom Educational is here to help you every step of the way. For more information or assistance, don't hesitate to reach out at 800-525-8703 or visit us online at wecu.com. Your journey towards financial empowerment starts here!

Branch History & Mission

Join Us

As we look toward the future, we invite you to be part of our journey. Experience the benefits of membership with Whatcom Educational where your success is our priority. Whether you're looking for loans, savings accounts, or simply want advice on managing your finances, we're here for you. Stop by our branch during lobby hours from 8 AM to 6 PM Monday through Friday or give us a call at 800-525-8703. Together, let's build a brighter financial future! Visit us online at wecu.com for more information about our services and how you can become part of our family.

Our Mission

At Whatcom Educational, our mission is simple yet profound: to empower our members with the tools and resources they need to achieve their financial goals while making a positive impact on the community. We believe that everyone deserves access to reliable financial services that promote growth and stability. We actively engage in partnerships and outreach efforts aimed at enhancing the well-being of our local community. By supporting educational initiatives and local events, we contribute not only financially but also by being present where it matters most.

Our Story

Whatcom Educational began with a vision to provide accessible financial services to the local community. From humble beginnings, we have evolved into a trusted institution known for our commitment to member service and community support. Our main branch is located at 21 Bellwether Way Ste 111, Bellingham, WA 98225 an inviting space where you can find personalized banking solutions tailored just for you. While members can visit us at this address for all their banking needs, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. As we grew from a small credit union into a leader in financial services, we embraced digital advancements to ensure that our members have access to convenient banking options. We are proud to offer features such as online banking and mobile payments. Our commitment extends beyond just banking; we strive for ADA compliance and provide inclusive services that cater to all individuals in our community.

Branch Location & Accessibility

Welcome to Whatcom Educational, your friendly neighborhood credit union located at 21 Bellwether Way Ste 111 in beautiful Bellingham, WA. Nestled conveniently near the scenic waterfront and just a stone's throw from popular local attractions, our branch is easy to find and offers a warm, welcoming atmosphere for all your banking needs. While members can visit us at our branch address, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. We understand that accessibility is key for our members. Our location features ample parking and is fully ADA compliant, ensuring everyone can access our services without hassle. At Whatcom Educational, we pride ourselves on being available when you need us. Our lobby hours are from 8 AM to 6 PM on weekdays, making it easy for you to stop by before or after work. You can also reach us at 800-525-8703 if you have any questions or need assistance. Although we currently do not offer ATM or drive-thru services at this branch, our team is ready to assist you with various banking solutions tailored to your needs. We are here to help with everything from personal accounts to loans, providing you with the support you deserve. We invite you to come visit us at Whatcom Educational and experience our commitment to excellent service firsthand. Whether you're looking for banking advice or just want to chat with our friendly staff, we're here for you!

Member Eligibility

Joining the Whatcom Educational community is a warm invitation to be part of something special. If you're living, working, or attending school in Whatcom County, you're likely eligible for membership. This means that whether you're a local resident or just passing through, we welcome you with open arms! The perks of being a member at Whatcom Educational go beyond just financial services; you'll find a supportive environment dedicated to helping you achieve your goals. To learn more about specific eligibility criteria, feel free to check out our detailed information here. Opening an account is straightforward and designed to make the process easy for everyone. Simply visit us at 21 Bellwether Way Ste 111, Bellingham, WA 98225, or give us a call at 800-525-8703 during our operating hours from 8 AM to 6 PM. We're here to guide you every step of the way as you become part of our family!

Business Banking & Commercial Services

Commercial 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 addition to loans, our merchant services provide practical tools for managing payments efficiently. Imagine running your daily operations without worrying about payment processing delays or security issues. Our merchant services ensure you can accept payments easily, helping you focus on what truly matters growing your business. Visit us at 21 Bellwether Way Ste 111 Bellingham Wa 98225 in Bellingham, WA, or call us at (800) 525-8703 to learn more about how we can help you achieve your business goals!

Comprehensive List Of Services

Digital Banking Options

In today's fast-paced world, convenience is key. That's why we also prioritize digital banking features at Admin Building - 21 Bellwether Way. Our online banking platform allows you to view account statements, pay bills, and transfer money from the comfort of your home or on the go through our mobile application. You can even send money directly to friends and family with just a few taps using our person-to-person payment feature.

Everyday Banking

One of the most essential services we offer is ATM access. Our ATM services allow you to withdraw cash, check balances, and transfer funds with ease, ensuring that you can manage your finances anytime and anywhere. With our user-friendly interface, members can navigate their transactions quickly, making it a breeze to get what you need without waiting in line.

Support When You Need It

We understand that sometimes life throws unexpected challenges your way. That's why we have dedicated support staff ready to assist you with any questions or concerns you may have regarding our services. Whether it's about managing your account or navigating through our online resources, feel free to reach out to us at (800) 525-8703 during our lobby hours from 8 AM to 6 PM.

Why Choose Us?

Choosing Whatcom Educational means choosing a financial partner who genuinely cares about your financial well-being. We are committed to providing personalized service tailored to your specific needs. Our team is here to help you navigate your financial journey every step of the way. Ready to explore all that we offer? Visit us at 21 Bellwether Way Ste 111 Bellingham Wa 98225 or give us a call at (800) 525-8703 today! Discover how our comprehensive range of services can make managing your finances easier and more efficient than ever before.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, so you can check your balance, pay bills, and transfer funds whenever it suits you. Whether you're at home or on the go, managing your account is simple and straightforward. You can also enjoy the flexibility of person-to-person transfers, making it easy to send money to friends or family with just their email or phone number. For those who prefer using their smartphones, our mobile application provides all the features of online banking right in your pocket. And if you're looking for a fast way to make purchases, take advantage of our mobile payments feature that lets you pay directly from your phone.

Security and Ease-of-Use

Your security is our top priority. Our electronic signature authorization ensures that your transactions are safe and secure. Plus, with e-statements available, you can easily keep track of your financial activities while helping the environment by going paperless. Managing your accounts has never been easier. Our user-friendly interface makes navigation a breeze, so whether you're a tech-savvy user or new to online banking, you'll feel confident using our services. Experience the freedom and peace of mind that comes with managing your finances digitally at Whatcom Educational. Visit us today at https://www.wecu.com/ and discover how our online banking services can simplify your life!

Financial Strength

Committed Team

We 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 and committed team. Together we work hard to create an environment where your needs come first. Our net shares available for lending and investments stand at $4,842,643. Additionally, the total number of share accounts is impressive at 247,597, demonstrating a strong member base that trusts us with their finances.

Conclusion

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 21 Bellwether Way Ste 111 Bellingham Wa 98225 or call 800-525-8703 to learn more about how we can help you achieve your financial goals.

Continuous Reinvestment

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. This approach not only strengthens our balance sheet but also improves your banking experience.

Member-Focused Savings

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.

Strong 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. This financial cushion reflects our commitment to responsible management and growth. Our net worth ratio of 12.25% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

We support our members with a diverse lending capacity. Currently, we have $33,522 in used auto loans and a total of $2,276,482,651 in loans and leases, which helps you reach your financial goals across various sectors. Our net income of $10,607,084 reflects our operational efficiency; this enables us to continue offering competitive loan rates and solid financial products tailored for you.

Loan Offering

Additional Financial Solutions

For business owners, our outstanding commercial loans totaling $504,656,331 provide the capital needed to grow and expand your operations. If you're considering refinancing any existing debts or need guidance on eligibility options for our loan products, feel free to reach out to us. At Whatcom Educational located at 21 Bellwether Way Ste 111 Bellingham WA 98225, we're dedicated to providing our members with the best lending solutions possible. You can contact us at 800-525-8703 during our operating hours from 8 AM to 6 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your loan options today and take that next step toward achieving your dreams!

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 terms that make it easier for you to drive away with the vehicle you want.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing finances can be tricky sometimes. That's why we also offer flexible terms on unsecured credit card loans, with a total of $46,318,734 in loans helping members manage their finances effectively. Enjoy peace of mind knowing that you have access to funds when unexpected expenses arise.

Loan Aggregator

Benefits of Using LendMesh

LendMesh provides several key benefits to help users make informed decisions: - Verified Data: All loan offers are gathered from reputable lenders, which promotes transparency in the comparison process. - No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. The focus remains solely on delivering unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to choose options that best suit their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective LendMesh can be in helping individuals save money while securing loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees that users receive fair and transparent offers. Each listed loan comes from legitimate financial institutions, ensuring that users can trust the information provided.