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

Introduction

Welcome to Whatcom Educational at our Everson Branch, located at 106 E Main St, Everson, WA 98247. For over 85 years, we have been dedicated to serving our community with trust and reliability. Our journey began in 1936, and since then, we've grown to support a vibrant membership of 163,950 individuals. With total assets exceeding $2.89 billion, and total deposits of $266,691,691, we are proud to provide a safe and secure place for your financial needs. Our commitment extends beyond numbers; we strive to make a positive impact in the lives of our members through personalized services such as personal banking, auto loans, mortgage solutions, and more. Under the leadership of our CEO, Jennifer Kutcher, and Board President Gabriel Mast, we ensure that every member feels valued and understood. We also have a dedicated team of 410 employees ready to assist you with your banking needs. While members can visit us at our branch address for all their banking requirements, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227. At Whatcom Educational, we believe in fostering strong relationships within our community. Whether you're looking for loans or simply need advice on managing your finances, we're here for you every step of the way. Don't hesitate to reach out to us at 360-756-7529 or explore more about our services on our website: wecu.com. We invite you to join us on this financial journey your goals are our priority!

Branch History & Mission

Join Us

As we continue our journey into the future, we invite you to join our family at Whatcom Educational. Experience firsthand how our member-centric approach can help you achieve your financial goals while being part of a community-focused organization. Together, let's build a brighter tomorrow! For more information or assistance, feel free to call us at 360-756-7529 or visit our website at www.wecu.com.

Our Journey

Located at 106 E Main St, Everson, WA 98247, our branch has always been more than just a place for transactions; it has been a cornerstone of support for individuals and families in the area. As we evolved through changing times, we embraced innovation while keeping our mission at heart to empower our members by providing accessible financial services that foster growth and stability. Our commitment to the community is evident in our various outreach efforts and partnerships. We believe that by supporting local initiatives and being actively involved in community events, we can help build a stronger future for everyone.

Our Mission

At Whatcom Educational, our mission is simple yet powerful: to enhance the financial well-being of our members while contributing positively to the communities we serve. We offer a wide range of services tailored to meet the diverse needs of our members from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business financing options. We also understand the importance of accessibility in today's fast-paced world. That's why we've invested in digital advancements such as online banking and mobile payments. Our ATM services are available for your convenience, ensuring you have access to your funds when you need them most. While members can visit us at 106 E Main St, official correspondence should be sent to PO Box 9750, Bellingham, WA 98227.

Branch Location & Accessibility

Welcome to the Everson Branch of Whatcom Educational Credit Union, located at 106 E Main St, Everson, WA 98247. Our branch is perfectly situated to serve your financial needs in the heart of Everson, making it easy for you to drop by. Whether you're visiting us after a trip to the nearby Everson Town Park or while exploring local shops, we're here to help with all your banking needs. At Whatcom Educational, we understand the importance of convenience. Our branch features ample parking for our members, and we ensure that our facilities are accessible to everyone, including those who may require ADA-compliant features. While you're here, enjoy a friendly atmosphere where our dedicated team is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgages, and more. Our operating hours are designed with your busy schedule in mind. We welcome you Monday through Thursday from 9 AM to 5:30 PM and on Fridays until 6 PM. If you need quick access to cash or want to check your balance outside of lobby hours, take advantage of our convenient ATM services available right on-site. For those who prefer a little more flexibility, we offer online and mobile banking options so you can manage your finances on-the-go. Unfortunately, we do not have drive-thru service available at this location, but our friendly staff is always eager to help during lobby hours. If you have any questions or would like to know more about our services, don't hesitate to reach out! You can call us at 360-756-7529. We look forward to welcoming you at the Everson Branch of Whatcom Educational Credit Union your trusted partner in financial success!

Member Eligibility

At Whatcom Educational, we believe that becoming a member is like joining a family, where your financial goals are our top priority. If you're looking to join us at our welcoming location at 106 E Main St Everson Wa 98247, you're in for a treat! Membership is open to anyone who lives, works, or attends school in the areas we serve. We cherish community connections and are dedicated to providing you with the resources you need to thrive financially. For specific eligibility details, feel free to visit our website at . Joining is straightforward and rewarding. Not only will you gain access to a variety of financial products and services tailored just for you, but you'll also enjoy the personal touch that comes with being part of Whatcom Educational. If you're ready to start your journey with us or have any questions, don't hesitate to give us a call at (360) 756-7529. We can't wait to welcome you into our community!

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 addition to loans, we offer practical merchant services that make day-to-day operations smoother. From simple payment processing to advanced point-of-sale systems, our services help you manage transactions efficiently. Imagine being able to accept payments anytime, anywhere this not only enhances customer satisfaction but also boosts your sales potential. Visit us at 106 E Main St Everson Wa 98247 in Everson, WA, or give us a call at (360) 756-7529 to learn more about how we can support your business goals!

Comprehensive List Of Services

Always Here for You

Our friendly staff is ready to assist you during our lobby hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. Have questions? Feel free to call us at 360-756-7529. We invite you to experience the variety of services available at Whatcom Educational in Everson. Visit us today or explore more about our offerings online at wecu.com. Your financial journey starts here!

Business Banking

For entrepreneurs and small businesses, we provide comprehensive business banking solutions including merchant services and business loans. This means you can focus on growing your business while we take care of your banking needs.

Credit Cards and Rewards

Our credit cards with rewards allow you to earn points on your everyday purchases. Imagine using your card for groceries or gas and then redeeming those points for travel or shopping discounts. It's a simple way to make the most out of your spending.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Whatcom Educational, we offer robust online and mobile banking services. You can check balances, transfer funds, pay bills, and even deposit checks right from your phone or computer anytime, anywhere. Our ATM services also ensure that cash withdrawal is quick and hassle-free.

Personal Banking

We offer various personal banking options that cater to your everyday financial needs. Our checking and savings accounts are designed to help you manage your money effectively while earning interest on your savings. If you're considering purchasing a car, our auto loans and vehicle financing options provide competitive rates that can make owning a new or used vehicle more affordable. For those looking to purchase a home or refinance an existing mortgage, our mortgage loans and refinancing services can guide you through the process with ease. We also understand that life can sometimes be unpredictable, which is why we offer personal loans and debt consolidation options to help you navigate through financial challenges.

Digital & Online Banking

Key Features of Our Online Banking

Our online banking platform offers a wide range of features tailored to make your banking experience smooth and efficient. Enjoy the benefits of 24/7 online banking services, which means you can check your account balance, transfer funds, or pay bills at any hour of the day or night. Plus, with our mobile application, managing your finances on the go has never been easier. For those who prefer modern methods, we support mobile payments so you can easily make purchases using your smartphone. And if you ever need to send money to friends or family, our person-to-person transfers make it simple and quick.

Security and Accessibility

Your safety is our top priority. Our system includes electronic signature authorization, ensuring that your transactions are secure and authorized with ease. Moreover, opting for e-statements helps you keep track of your financial activities while reducing paper clutter. In addition to these features, our user-friendly interface allows you to navigate through your accounts effortlessly. Whether you're checking balances or setting up payments, you'll find everything organized and easy to use. At Whatcom Educational, we're committed to making your banking experience as convenient as possible. Dive into our digital services today and discover how easy it is to take control of your finances!

Financial Strength

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 106 E Main St Everson Wa 98247 or call (360) 756-7529 to learn more about how we can help you achieve your financial goals.

Dedicated Team

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. The strength of our workforce plays a crucial role in delivering exceptional service and support. Net Shares (Funds available for lending and investments): $4,842,643. Total Share Accounts: 247,597, showing a strong and growing member base that trusts us with their finances.

Member Savings Security

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. This commitment to your savings ensures that your funds are well-managed and growing effectively. 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.

Our 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 robust net worth reflects our ability to support our members in achieving their financial goals. 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.

Reinvestment for Better Services

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 strategy allows us to continuously improve our services while maintaining your trust. Our lending capacity is evident with $33,522 in used auto loans and $2,276,482,651 in total loans and leases, supporting members' financial goals across various sectors. 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.

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 vehicle or a reliable used one, we have competitive financing options tailored to meet your needs.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $504,656,331 provide the capital needed to expand operations and invest in future ventures. If you're interested in refinancing any existing loans or learning more about eligibility options for our loan products, feel free to reach out. Our knowledgeable staff is ready to assist you with all your inquiries. For more information or assistance regarding our loan offerings, please call us at 360-756-7529 during our lobby hours: Monday - Thursday from 9 AM - 5:30 PM and Friday from 9 AM - 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. At Whatcom Educational, we're committed to providing you with effective financial solutions tailored just for you!

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. This means whether you are buying your first home or refinancing an existing mortgage, we are here to assist you every step of the way.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $46,318,734 in loans available, our credit cards can help you manage your finances effectively while enjoying the convenience and benefits they bring.

Loan Aggregator

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Ensuring 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 commitment to sourcing from reputable institutions guarantees fair and transparent offers. Users can trust that the information they receive is accurate and reflects current market conditions.