Whatcom Educational Credit Union Mount Vernon WA | Low Mortgage Rates & Credit Cards

Introduction

Welcome to Whatcom Educational, your trusted partner in financial well-being! Located at 1835 Riverside Dr, Mount Vernon, WA 98273, our branch has been serving the community since 1936. With a commitment to providing exceptional service and support, we proudly cater to over 163,950 members who rely on us for their banking needs. At Whatcom Educational, we understand that every dollar counts. That's why we're excited to share that our total assets have reached an impressive $2,893,212,226, and our total deposits stand at $266,691,691. These figures reflect not just our growth but also our dedication to ensuring that your money is safe and accessible. We offer a range of financial products including personal banking accounts, auto loans, mortgages, and even business banking services. While you can visit us directly at our branch for all your banking needs, please note that any official correspondence should be directed to the same address: 1835 Riverside Dr, Mount Vernon, WA 98273. Under the leadership of our CEO, Jennifer Kutcher, and Board President Gabriel Mast, we continue to prioritize transparency and member satisfaction. Our team of 410 employees is here to assist you with a friendly smile and expert advice. With a net worth of $354,624,694 and cash in hand totaling $29,179,486, you can trust that your financial future is in good hands. We invite you to explore what makes Whatcom Educational more than just a credit union it's a community-focused institution dedicated to helping you achieve your financial goals. Feel free to give us a call at 800-525-8703 or visit us online at wecu.com for more information about our services. Let's take this journey together towards financial success!

Branch History & Mission

Community Engagement

Over the years, Whatcom Educational has formed partnerships with local organizations to enhance community outreach efforts. These collaborations allow us to give back meaningfully and help foster growth within Mount Vernon and surrounding areas. In addition to traditional banking services, we are proud to offer modern conveniences such as online banking, mobile payments, and ATM access for added flexibility. Although we do not currently have drive-thru banking facilities or shared service centers, we remain dedicated to providing a customer-centric experience at every level.

Join Us Today

We invite you to become part of the Whatcom Educational family! Experience the difference that comes from working with a credit union that values community connection as much as it does financial growth. For more information or assistance, feel free to reach out at 800-525-8703 or visit us online at wecu.com. Together, let's build a brighter financial future!

Our Mission

The mission of Whatcom Educational is simple yet profound: to provide exceptional financial services while fostering a supportive and inclusive environment. We believe in empowering our members by offering essential tools for financial success whether it's through checking and savings accounts, auto loans, mortgages, or business banking solutions. We strive not only to meet the financial needs of our members but also to support local initiatives and outreach programs that strengthen the fabric of our community. Our commitment goes beyond transactions; it's about building lasting relationships and contributing positively to the lives of those we serve. While members can visit us at 1835 Riverside Dr Mount Vernon Wa 98273, official correspondence should be sent to 1835 Riverside Dr, Mount Vernon, WA 98273. We offer convenient operating hours Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM to ensure you can reach us when you need assistance.

Branch Location & Accessibility

Welcome to Whatcom Educational Credit Union, located conveniently at 1835 Riverside Dr in Mount Vernon, WA! Our branch is nestled in a vibrant area near the Skagit River and just a short drive from popular local spots like the Skagit Valley College and the Mount Vernon City Hall. We pride ourselves on being accessible for all our members, with ample parking available and ADA-compliant features to ensure everyone can visit us comfortably. While you can reach us at our branch address for all your banking needs, please note that any official correspondence should be sent to the same address: 1835 Riverside Dr, Mount Vernon, WA 98273. At Whatcom Educational, we understand that your time is valuable. That's why we're open during convenient hours: Monday through Thursday from 9 AM to 5:30 PM and Friday from 9 AM to 6 PM. Whether you're stopping by to open an account or need assistance with a loan, our friendly team is here to help. For those who prefer cash transactions or quick banking solutions, we offer ATM services right at our branch. Although we do not have drive-thru banking available, our lobby is welcoming and designed for your comfort. If you're considering becoming a member or have questions about our services ranging from personal banking and auto loans to online banking options feel free to give us a call at 800-525-8703. We look forward to assisting you with your financial journey!

Member Eligibility

Becoming a member of Whatcom Educational is like joining a close-knit community where you can thrive financially and personally. If you're located in the Mount Vernon area or are affiliated with one of our partner organizations, you're likely eligible to join us! We warmly welcome individuals who work, live, or attend school in Skagit County or those who are related to current members. This means that your journey towards better financial health starts here, surrounded by supportive people who genuinely care about your success. Opening an account is simple and straightforward. You can visit us at our branch located at 1835 Riverside Dr Mount Vernon Wa 98273, or give us a call at (800) 525-8703 for more information. We encourage you to check out the detailed eligibility criteria on our website at , where you'll find everything you need to know about becoming part of our family. Join us today and unlock a world of benefits designed just for you!

Business Banking & Commercial Services

Lending Solutions for Growth

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 Sense

In addition to loans, we offer merchant services tailored for your needs. Imagine streamlining your payment processing so you can focus more on what you do best running your business. Our services simplify transactions and improve cash flow, allowing you to serve your customers better while keeping your operations smooth. Visit us at 1835 Riverside Dr Mount Vernon Wa 98273 in Mount Vernon, WA, or call us at (800) 525-8703 to learn how our business banking solutions can empower your entrepreneurial journey!

Comprehensive List Of Services

Business Banking

If you're a business owner, our business banking services include essential tools like merchant services and business loans tailored to help you thrive. We understand the challenges of running a business and are here to provide solutions that fit your goals.

Credit Cards

Managing day-to-day expenses is easier with our credit cards that offer rewards. These cards not only give you flexibility but also allow you to earn points on your purchases, which can be redeemed for various rewards. It's a smart way to manage finances while enjoying perks along the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can manage your accounts from anywhere with ease whether it's checking balances, transferring funds, or paying bills. Plus, our ATM services ensure that you have easy access to cash whenever you need it.

Home Financing

For those looking to buy a home or refinance their current mortgage, we offer comprehensive mortgage loans that can help you secure the best terms possible. Our knowledgeable staff will walk you through each step of the process, ensuring you feel confident and informed.

Member Support

We believe that great service goes beyond transactions. At Whatcom Educational, we strive to build lasting relationships with our members. Our experienced staff is always available by phone at 800-525-8703 to assist with any questions or concerns. Ready to take the next step? Visit us at 1835 Riverside Dr, Mount Vernon, WA 98273, or check out our website at wecu.com for more information about how we can assist with your financial needs. Let's work together towards achieving your financial goals!

Personal Banking

Our personal banking services cover everything from checking and savings accounts to tailored auto loans and vehicle financing. If you're in the market for a new car, our competitive auto loans can make your dream ride more affordable. And if you're planning a big purchase or need some extra funds, our personal loans and debt consolidation options can provide the support you need.

Digital & Online Banking

Key Services Offered

Our online banking platform is accessible at https://www.wecu.com/, allowing you to manage your money whenever it suits you. Whether you want to check your balance, pay bills, or review transactions, our user-friendly interface makes it simple. You can also take advantage of e-statements, which provide a convenient way to keep track of your financial activities without the clutter of paper. Need to send money quickly? Our person-to-person transfer feature lets you send funds directly to friends or family with ease. Plus, if you're always on the go, our mobile application puts banking right in your pocket. You can even make payments using mobile payments for added convenience when shopping or dining out.

Security and Convenience

Your security is our top priority. We utilize electronic signature authorization for essential documents, making it easy and safe to complete transactions online. All of our digital services are protected with advanced security measures to ensure that your personal information remains confidential. With Whatcom Educational's online banking services, you have real-time access to your accounts wherever you are be it from home or on a lunch break at work. The combination of accessibility, ease-of-use, and robust security means that managing your finances has never been more straightforward. Explore all these features today and experience the freedom that comes with modern banking at Whatcom Educational!

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 lending capacity supports your financial goals with $33,522 in used auto loans and a total of $2,276,482,651 in loans and leases available to help you achieve your dreams. Our operational efficiency shines through with a net income of $10,607,084, reflecting our commitment to serving you with competitive loan rates and solid financial products. We proudly employ 405 full-time employees and 5 part-time employees who are dedicated to providing exceptional service every day.

Secure 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.

Strong Financial Health

With a net worth of $354,624,694, we maintain robust 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.

Trusted Partnership

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 1835 Riverside Dr Mount Vernon Wa 98273 or call (800) 525-8703 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

For those who require capital for business ventures or expansions, our outstanding commercial loans totaling $504,656,331 provide essential funding options tailored for business owners. At Whatcom Educational Credit Union, we're dedicated to providing personalized service and comprehensive financial solutions. If you're considering refinancing or need information about eligibility for any of our loan products, don't hesitate to reach out. Our knowledgeable staff can answer your questions and help you find the right option for your needs. For more details about our loan offerings or if you want to start your application today, give us a call at 800-525-8703 during our lobby hours: Monday - Thursday from 9 AM to 5:30 PM and Friday from 9 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.

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We currently have 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 eyeing a brand-new model or a reliable pre-owned vehicle, our team can guide you through the process and tailor a loan that fits your budget.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, we are committed to making the process straightforward and affordable.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. We currently offer a total of $46,318,734 in these loans to help members manage their finances effectively. With competitive rates and no collateral required, our credit cards can be an ideal solution for those looking to maintain financial flexibility.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh helps users navigate their borrowing options with confidence. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that the information presented is up-to-date and reflective of the latest market conditions (Source: https://www.ncua.gov), ensuring fair and transparent offers. One of the standout features of LendMesh is its commitment to verified data. Loan offers are sourced from legitimate financial institutions, which fosters trust and confidence in the comparison process. Additionally, LendMesh does not prioritize lenders based on paid promotions. This means users receive unbiased results without any influence from sponsored listings. The platform also provides real-time rate comparisons, allowing users to see current loan rates from multiple institutions at once. This capability empowers individuals to make informed decisions tailored to their specific financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial underscores the effectiveness and reliability of the tool in helping borrowers secure better deals. 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.*