Western Cooperative Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.wccu.org

701-572-4000

1300 Bison Dr
Williston, ND 58801-2237

Western Cooperative Credit Union is headquartered in Williston and is the 4^th largest credit union in the state of North Dakota. It is also the 750^th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 91 employees and 18,204 members at 8 locations. Western Cooperative Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Western Cooperative Credit Union is open to North Dakota residents who live within a 75-mile of the North Dakota communities of Beach, Ray, or Williston, or within a 50-mile radius of the North Dakota communities of Dickinson, Glen Ullin, or Hebron.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	61758
Year Chartered	1938
Employees	91
Primary Regulator

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	9.43%
Annual Interest Income	$4.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$500MM$449.4MM
Loans	Q1 2025vs Q1 2024	$228.6MM$233.5MM
Deposits	Q1 2025vs Q1 2024	$443.9MM$403.5MM
Equity Capital	Q1 2025vs Q1 2024	$53.4MM$42.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4.4MM$4.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$7.8MM$662K
Real Estate Owned	Q1 2025vs Q1 2024	$275K$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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

Western Cooperative Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$0	-	Pee Wee and CU Succeed
0.20%	$0	-	Coverdell Education Savings Account
0.05%	$300	-	Share Savings
0.05%	$300	-	Flexible Shares

Western Cooperative Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%^*	$100k^*	-	First Freedom Money Market
OTHER TIERS: 0.50% → $2.5k - $5k \| 0.75% → $5k - $10k \| 1.00% → $10k - $50k \| 1.26% → $50k - $100k

Western Cooperative Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
4.50%^*	$0	$10k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $10k+

Western Cooperative Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$1k	-	7 Month CD Special
3.00%	$1k	-	13 Month CD Special
2.25%	$2k	-	6 Month CD
2.00%	$5k	-	12 Month CD
1.85%	$15k	-	24 Month CD

Western Cooperative Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$0	-	IRA Share

Locations

Western Cooperative Credit Union Locations
Branch Office	701 Main St	Hebron, ND 58638
Branch Office	1300 Bison Dr	Williston, ND 58801-3770
Branch Office	215 Washington AVe	Williston, ND 58801
Branch Office	290 15th St W	Dickinson, ND 58601
Branch Office	24 Railroad Ave 10 Main St	Ray, ND 58849
Branch Office	PO Box 366	Beach, ND 58621-0366
Branch Office	721 State Ave	Dickinson, ND 58601
Branch Office	6714 Highway 40	Tioga, ND 58852-9256

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