Whatcom Educational Credit Union Bellingham WA | Low Mortgage Rates & Business Banking

Introduction

Welcome to Whatcom Educational Credit Union, your trusted financial partner since 1936! Located at 3061 Orleans St, Bellingham, WA 98226, we are proud to serve our community with a commitment to helping members achieve their financial goals. With over 163,950 members and total assets exceeding $2.89 billion, we stand strong in our mission to provide exceptional service and support. At Whatcom Educational, we believe in the power of community. Our dedicated team of 410 employees, led by CEO Jennifer Kutcher and Board President Gabriel Mast, works tirelessly to ensure that each member feels valued and supported. We understand that financial decisions can be overwhelming, which is why we offer a range of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and credit cards with rewards. While you can visit us at our branch for personalized assistance, please note that official correspondence should be sent to our mailing address: PO Box 9750, Bellingham, WA 98227. With total deposits of $266,691,691 and a net worth of $354,624,694, we are here to help you navigate your financial journey with confidence. Whether you're looking for assistance with loans over 94,417 loans issued or simply need expert advice on managing your finances, our friendly staff is ready to assist you. We invite you to explore what makes us different. Visit our website at wecu.com or give us a call at 360-756-7362 for more information about how we can serve you better. At Whatcom Educational Credit Union, we're not just about numbers; we're about people and we're excited to support you every step of the way!

Branch History & Mission

A Journey Through Time

Whatcom Educational started with a clear mission: to provide accessible financial services while supporting the educational needs of our community. Over the years, we've expanded our offerings to include personal banking products such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We've also embraced technological advancements to enhance member experiences through online and mobile banking options. From our first days serving local educators to today's diverse membership that includes families and businesses throughout Whatcom County, we have continually adapted to meet the needs of our community. Our drive-thru service and ATM availability ensure that convenience is always at your fingertips.

Join Us Today!

As we look ahead to the future, we invite you to become part of the Whatcom Educational family. Experience firsthand how we prioritize your financial well-being and support initiatives that strengthen our community ties. Whether you're looking for personal banking solutions or business services tailored to your needs, we're here for you every step of the way. For more information about joining or exploring our services further, don't hesitate to reach out at 360-756-7362 or visit us online at www.wecu.com. Together, let's build a brighter future!

Our Mission Statement

At Whatcom Educational, our mission is simple yet profound: we strive to empower our members by providing them with the tools they need for financial success while actively contributing to community growth. We believe in fostering relationships built on mutual respect and understanding. By offering competitive rates and personalized service, we help individuals achieve their financial goals whether it's buying a first home or managing everyday expenses. We also take pride in our community outreach efforts. We partner with local organizations to support educational programs and initiatives that uplift our neighborhoods. Our commitment goes beyond just banking; we aim to be a positive force in the lives of those we serve. While members can visit us at 3061 Orleans St for their banking needs, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227.

Branch Location & Accessibility

Welcome to the Whatcom Educational Credit Union's Sunset Branch, conveniently located at 3061 Orleans St in beautiful Bellingham, WA. Nestled in the heart of Whatcom County, our branch is easily accessible for all your banking needs. Whether you're coming from nearby landmarks like Western Washington University or the bustling Fairhaven district, finding us is a breeze. At our Sunset Branch, we prioritize making your visit as smooth as possible. You'll find ample parking available right outside the entrance, with ADA-compliant features ensuring that everyone can access our services comfortably. If you need to stop by quickly, our drive-thru banking option allows you to handle simple transactions without leaving your vehicle. We're proud to offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're here to help you achieve your goals. Plus, with ATM availability on-site and basic drive-thru services for deposits and withdrawals, managing your money has never been more convenient. Our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 9 AM to 5:30 PM, Friday until 6 PM, and Saturday from 9 AM to 1 PM. Feel free to reach out by phone at 360-756-7362 if you have any questions or need assistance before visiting. While members can visit us at 3061 Orleans St, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. We invite you to come experience what makes Whatcom Educational Credit Union special your financial well-being is our top priority! We look forward to welcoming you soon!

Member Eligibility

At Whatcom Educational, we believe that everyone deserves a chance to thrive, and becoming a member is your first step into a supportive community focused on your financial well-being. If you're looking to join us, you'll be glad to know that membership is open to individuals who live, work, or go to school in Whatcom County. Whether you're a student just starting out or someone looking for a more personal banking experience, we welcome you with open arms. Our friendly team at 3061 Orleans St Bellingham Wa 98226 is here to guide you through the process of opening an account, which is designed to be simple and straightforward. If you're ready to take the plunge, give us a call at (360) 756-7362 or check out the detailed eligibility criteria on our website at . Joining Whatcom Educational means more than just having access to great banking services; it's about being part of a caring community that prioritizes your needs. We can't wait for you to join us!

Business Banking & Commercial Services

At Whatcom Educational, we understand that every business has unique needs and aspirations. Whether you're a startup looking to expand or an established company seeking to grow, our business banking and commercial services are designed to help you thrive. Imagine having the financial support to purchase new equipment, hire additional staff, or even open a new location. 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. In addition to loans, we offer tailored merchant services that simplify payment processing. Picture this: your customers enjoying quick and easy transactions while you focus on what you do best running your business. From point-of-sale systems to online payment solutions, we provide tools that empower your operations. Located at 3061 Orleans St Bellingham Wa 98226, Bellingham, WA 98226, our dedicated team is ready to partner with you on your journey toward success. Connect with us today at (360) 756-7362!

Comprehensive List Of Services

Business Banking Options

If you're a business owner, we offer tailored solutions through our Business Banking services. This includes Merchant Services that streamline payment processing and Business Loans to help finance your growth initiatives. We understand the challenges that come with running a business, and our team is here to support you every step of the way.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features so you can manage your finances anytime, anywhere. Whether it's transferring money between accounts or paying bills on the go, everything is at your fingertips. You'll also have access to ATM & cash withdrawal services for easy cash access whenever you need it.

Easy Access Through Drive-Thru and ATMs

For those who prefer in-person banking, our branch provides basic drive-thru banking options for quick transactions like deposits and withdrawals. Our ATM network allows for easy access to your funds with features like balance checks and withdrawals, ensuring you have what you need when you need it. At Whatcom Educational, we prioritize making banking as straightforward as possible. We invite you to visit us at 3061 Orleans St Bellingham Wa 98226 or give us a call at (360) 756-7362 if you have questions about any of our services. Join us in experiencing personalized financial solutions tailored just for you!

Personal Banking Solutions

Our personal banking services cater to individuals and families seeking reliable financial options. You can choose from various checking and savings accounts that fit your lifestyle. If you're planning to buy a car, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. Additionally, if you're thinking about purchasing a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing services are designed to provide you with competitive rates and flexible terms. For those looking to consolidate debt or fund personal projects, our Personal Loans & Debt Consolidation options can help simplify your finances. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on your everyday purchases that can be redeemed for exciting rewards.

Digital & Online Banking

Key Services

With our online banking services available at https://www.wecu.com/, you can check your account balance, transfer funds, and pay bills with just a few clicks. We also offer e-statements, so you can view your account statements electronically no need to wait for paper copies in the mail. This not only saves time but is also environmentally friendly. Security is a top priority for us. Our electronic signature authorization feature allows you to sign documents securely from the comfort of your home. Plus, our mobile application makes it even easier to manage your finances on the go. You can access all of these features right from your smartphone or tablet.

Mobile Features

Need to send money to a friend? With our person-to-person transfers, it's simple and fast. Just enter their details, and you're done! Our mobile payments feature also lets you make purchases directly from your device perfect for those quick trips where carrying cash isn't an option. At Whatcom Educational, we believe that banking should be accessible 24/7. That's why our online banking services are always available whenever you need them. With user-friendly tools and real-time account management, you'll have everything you need right at your fingertips. Join us today at Whatcom Educational and experience the convenience of modern banking!

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 dedicated to maintaining a strong financial foundation that ensures you can trust us with your savings and loans. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 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. 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 is robust; with $33,522 in used auto loans and a total of $2,276,482,651 in loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $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 and committed team. Net Shares (Funds available for lending and investments): $4,842,643. Total Share and Deposit Accounts: 247,597, showing 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, Whatcom Educational is your trusted partner. Visit us at 3061 Orleans St Bellingham Wa 98226 or call 360-756-7362 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 terms and competitive interest rates that make financing your next vehicle straightforward and stress-free.

Business Loans

For business owners, our outstanding commercial loans totaling $504,656,331 provide the capital needed to grow and expand. We recognize the unique challenges businesses face and are committed to offering solutions that can help your enterprise thrive. At Whatcom Educational Credit Union, we believe in providing transparent options with no hidden fees. If you're considering refinancing or would like more information about eligibility for any of our loan products, feel free to reach out or visit our website for more details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support your journey toward financial wellness!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $122,190,214, making buying or refinancing simple. We strive to guide you through every step of the process so you can focus on what truly matters making your house feel like a home.

Unsecured Credit Card Loans

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. Our credit cards come with rewards and benefits that cater to your spending habits while giving you the financial freedom you need.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 ensures that users receive fair and transparent offers. Each loan comparison reflects current market conditions, enabling consumers to make informed decisions without hidden surprises.