Westconsin Credit Union


Overview / Commentary
715-235-3403
3227 Schneider Avenue SE
Menomonie, WI 54751

Westconsin Credit Union is headquartered in Menomonie and is the 12th largest credit union in the state of Wisconsin. It is also the 252nd largest credit union in the nation. It was established in 1939 and as of December of 2023, it had grown to 409 employees and 120,077 members at 20 locations. Westconsin Credit Union's money market rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Westconsin Credit Union is open to those who live or work in the Wisconsin counties of Barron, Buffalo, Burnett, Chippewa, Clark, Dunn, Eau Claire, Jackson, Pepin, Pierce, Polk, Rusk, St. Croix, Sawyer, Taylor, Trempealeau, or Washburn, or those who live or work in the Minnesota counties of Anoka, Chisago, Dakota, Goodhue, Hennepin, Isanti, Pine, Ramsey, Scott, Wabasha, or Washington. Employees or students of any university or technical college located in any of the counties in the service area also qualify for membership. Immediate family members of anyone who is membership-eligible is eligible to join.
See current membership details

Reviews (6)

Westconsin is great!

Posted by: |

Westconsin is a very friendly and community based credit union. When I originally signed up with them, it was due to me having such poor credit, that no bank around would even consider letting me open a checking account (which is what my work required to have checks deposited into). Westconsin helped me get a checking account, and has since helped provide me with resources to get my credit boosted to a respectable level. I'm still working on my credit, and they are still helping, but I am about 200 points above where I was when I opened my account with them about 6 years ago. I would strongly recommend this bank to anyone who lives in Western Wisconsin, as they are willing to help and accommodate each situation individually. They go above and beyond what a typical big chain bank would, and I know that first hand.

Amazing Service From Small Town Wisconsin

Posted by: |

Westconsin Credit Union has been such a treat to work with in the near 10 years I have been with them. Having dealt with nearly a dozen other banks in my life, they have come out far above any of the rest. I recently got a checking account with them, and they were the only bank willing to work with me to get one. With the poor credit I have, I've had a hard time finding a bank to give me that opportunity, but they didn't hesitate. They set me up with a "foundation checking account"(I believe that's what they called it), which safeguarded them from my poor credit past, all while giving me the opportunity to earn a regular checking account once I maintained a positive balance for a year. Things have been great ever since, and they've helped with every issue I've ran across. Me and my significant other are hoping to buy a house in the next couple years, and we will certainly be going through them for any advice, feedback, and assistance they can provide.

Great Credit Union for Western Wisconsin

I have used them for awhile, and they are always friendly and helpful. I recently had to go in to have my checking converted from a "simply" checking to regular checking account. They are very friendly, and I've had my checks deposited flawlessly into the savings account I've had for years. I would highly recommend anyone that lives in Western Wisconsin to strongly consider this small town bank. The checking that I currently am using now works great as well, and I can deposit checks into it via a mobile app, which is also a huge perk. I have literally never had an issue in nearly 10 years I've been with them. There drive thru is also seamless, and they are very prompt to address you, as you pull up to the window.

Member Friendly Credit Union

Posted by: |

Westconsin Credit Union is based in western Wisconsin, as the name implies. It is a smaller institution, more able to give personable customer service and more able to help the member out with their specify needs. Deposits made have same day availability, which is certainly not the standard anymore. This is absolutely something that sets them apart from the bigger guys and makes them more member friendly. They offer various options for checking accounts with no fees (assuming a certain dollar amount deposits each month), no minimum balance and some even offer interest. The interest is obviously minimal, but hey you're getting a little bit each month to use your checking account as you normally would. They also offer a small selection of cash back options when you use your check card at certain places each month. They have a savings account option for kids with rewards to make saving more fun for little ones.

Worst Bank L Ever Delt With

Posted by: |

The first time l opened an account at Westconsin credit union in 1991. After the first few months of having an account with Westconsin credit union. I noticed from my bank statements that my money started missing from my Westconsin credit union account.
I went to Westconsin credit union asked them what happened to my money, l was still in high-school hadn't touched any of my money yet, l was saving my money for college my future. I was still in high-school working my first job.
My money started missing out of my account. I went to Westconsin credit union, and asked about my money l had in my account at Westconsin credit union, asked whare my money went. I was told by a banker at Westconsin credit union they needed some of the money that was in my account. I was furious l asked to withdrawal any remaining amount of money l had left in my account.
The bank teller refused to withdrawal any remaining amount of money from my account to me.
My dad got a lawyer to make a long story short l switched bank's, deposited any remaining money into a different account.
This all happened in 1991.
Fasfoward to 2007 l get married my husband had a bank account at Westconsin credit union. I was vary reluctant to open a bank account at Westconsin credit union again.
The beginning of my marriage was vary rocky.
I was given the advice to help make thing's better in my marriage to try banking at the same place as my husband. I opened another bank account with Westconsin credit union in 2007 at a different location hoping my experience with Wisconsin credit union would be better at a different location.
The employees at the Westconsin credit union started being snooty rude, this is a different location from the first Westconsin credit union location.
When wire transfers were sent to my bank account at the second location of Westconsin credit union, the employees would block any and all wire transfers to my bank account.
The employee's at Wisconsin credit union would raise a big stink if l asked questions. Said they needed to investigate each transaction and even refused any and all transactions from my past employer's.
When l would ask Westconsin credit union why the transactions from my employer's was being blocked. Westconsin credit union would say it's just what they do, deny any money from my past employer's to go into my bank account. Even when l would make a wire transfer to my Westconsin credit union account they would block it each time.
The last time l was at Westconsin credit union was to withdrawal any remaining money from my account. When l asked for the remaining amount of money l put in my Westconsin credit union account by going to the bank and that was in my bank account at Westconsin credit union. The bank teller refused to give me the rest of my money. I then started making an announcement as loud as l could that Westconsin credit union will not give you your money, to all customers and Westconsin credit union bank employee's.
Westconsin credit union finally gave me most of what l had in my account to keep it open refused to give me the remaining $5.00 to close my account.
I left the $5.00 and took the rest of my money that l put into my bank account by going to the bank myself.
I had so much severe stress and extreme anxiety from dealing with Westconsin credit union that l had to get therpy and a lawyer involved.
Don't bother with this bank your money is not safe at all at Westconsin credit union, your money is safer elsewhere.
I cannot give anymore information on this past situation do to the fact lawyer's have been involved in some of this matter with Westconsin credit union and me, l had to get therpy. If you decide to bank at Westconsin credit union be financially prepared to get a lawyer and possible therpy if you are young starting out in the workforce. be financially prepared to take Westconsin credit union to court. They are great if you are looking to file a lawsuit need drama otherwise l advise agents putting your money in Westconsin credit union.

May As Well Use A Corporate Bank Instead.

Posted by: |

Hidden fees, they slowly drain your account for inactivity. Also had extremely inappropriate/potentially illegal advice during a home refi application. NOT a member of the coop network!!!! Think twice before doing business with this Credit “union”, they appear by all observations to be out for profit only, not their “members” best interests.



Health
B+

Health Grade Components

Overall
NCUA #66742
Year Chartered1939
Employees409
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.37%
Annual Interest Income$80.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.94B$1.94B
LoansQ4 2023vs Q4 2022$1.37B$1.25B
DepositsQ4 2023vs Q4 2022$1.67B$1.74B
Equity CapitalQ4 2023vs Q4 2022$194.8MM$163.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$10.1MM$9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$7.3MM$5.1MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Westconsin Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Westconsin Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*-$2.5kYouth Savings
OTHER TIERS: 0.40% $2.5k+
1.26%*$10k*-HSA Checking
OTHER TIERS: 0.40% Up to $10k
0.40%--Savings
0.40%--Christmas Club
0.40%--Funeral Trust
0.40%$5-Membership Savings

Westconsin Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.92%*$100k*-Money Market Checking
OTHER TIERS: 0.40% Up to $10k | 1.26% $10k - $25k | 1.51% $25k - $50k | 1.76% $50k - $100k
1.92%*$25k*-Achieve Money Market
OTHER TIERS: 1.26% Up to $25k

Westconsin Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Preferred Checking
0.10%$500-Business Checking

Westconsin Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$1k-6 Month CD - Gold MVP
4.79%$1k-6 Month CD - Silver MVP
4.64%$1k-6 Month CD - Basic MVP
2.78%$1k-60 Month CD - Gold MVP
2.68%$1k-48 Month CD - Gold MVP
2.58%$1k-60 Month CD - Silver MVP
2.58%$1k-36 Month CD - Gold MVP
2.48%$1k-48 Month CD - Silver MVP
2.48%$1k-24 Month CD - Gold MVP
2.43%$1k-60 Month CD - Basic MVP
2.43%$1k-18 Month CD - Gold MVP
2.38%$1k-36 Month CD - Silver MVP
2.38%$1k-12 Month CD - Gold MVP
2.38%$500-12 Month Fixed Rate Health Savings - Gold MVP
2.32%$1k-48 Month CD - Basic MVP
2.27%$1k-24 Month CD - Silver MVP
2.22%$1k-36 Month CD - Basic MVP
2.22%$1k-18 Month CD - Silver MVP
2.17%$1k-12 Month CD - Silver MVP
2.17%$500-12 Month Fixed Rate Health Savings - Silver MVP
2.12%$1k-24 Month CD - Basic MVP
2.12%$5k-36 Month Step-Up CD - Gold MVP
2.07%$1k-18 Month CD - Basic MVP
2.02%$1k-12 Month CD - Basic MVP
2.02%$500-12 Month Fixed Rate Health Savings - Basic MVP
1.92%$5k-36 Month Step-Up CD - Silver MVP
1.76%$5k-36 Month Step-Up CD - Basic MVP
0.75%$5k-3 Month CD - Gold MVP
0.55%$5k-3 Month CD - Silver MVP
0.40%$5k-3 Month CD - Basic MVP

Westconsin Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.92%$50-18 Month Variable Rate IRA - Silver MVP
5.92%$50-18 Month Variable Rate IRA - Gold MVP
5.92%$50-18 Month Variable Rate IRA - Basic MVP
2.78%$500-60 Month Fixed Rate IRA - Gold MVP
2.58%$500-60 Month Fixed Rate IRA - Silver MVP
2.43%$500-60 Month Fixed Rate IRA - Basic MVP
2.43%$500-18 Month Fixed Rate IRA - Gold MVP
2.22%$500-18 Month Fixed Rate IRA - Silver MVP
2.07%$500-18 Month Fixed Rate IRA - Basic MVP
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