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Overview / Commentary
600 E Holly St
Bellingham, WA 98225

Whatcom Educational Credit Union is headquartered in Bellingham and is the 8th largest credit union in the state of Washington. It is also the 183rd largest credit union in the nation. It was established in 1936 and as of December of 2016, it had grown to 290 employees and 84,737 members at 13 locations. Whatcom Educational Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in Whatcom Educational Credit Union is open to anyone who lives, works, attends school, or worships in the state of Washington and to their family of current members.
See current membership details

Reviews (1)

Credit Unions Are Great!

I haven't had much experience with credit unions before WECU, but I wish I had. The overall experience is that they're not trying to milk me for money, which is something I've felt when faced with overdraft fees or other monthly fees from other banks.

My wife and I have a joint checking account with WECU and we use it all the time. It has all the modern conveniences you'd expect from a checking account from a bank but without the fees. There are a lot of locations in our area, so if we need to take out cash for the taco truck its on the way ( and we go a lot ). I have direct deposit, and automatic bill pay. So what I'm getting is a easy, modern checking account without monthly fees. What else could I ask for?

Oh, and their overdraft fees are only 16 dollars. That's HALF of other popular banks. I mean it really boils down to this: I'm putting away my money and I don't someone leeching fees from me. That shows me that they really dont care about your inconvenience or about your money.

So yeah, if you can have a WECU account or some other credit union in your area, sign up.


Health Grade Components

NCUA #66373
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD7.3%
Annual Interest Income$42.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$1.37B$1.22B
LoansQ4 2016vs Q4 2015$1.01B$779.4MM
DepositsQ4 2016vs Q4 2015$1.13B$1.01B
Equity CapitalQ4 2016vs Q4 2015$211.4MM$195.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$6.3MM$6.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.1MM$3.2MM
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Whatcom Educational Credit Union Savings Account Rates

0.20%--Primary Savings
0.20%--Summer Savings
0.20%--Education Savings
0.20%--Health Savings Account
0.20%--IRA Savings
0.20%--IRA (SEP) Savings

Whatcom Educational Credit Union Money Market Rates

0.25%$2,500-Money Market Checking

Whatcom Educational Credit Union Checking Account Rates

0.10%--Check Plus Account

Whatcom Educational Credit Union CD Rates

1.50%$1k-60 Month CD
1.00%$1k-48 Month CD
0.70%$1k-36 Month CD
0.65%$1k-30 Month CD
0.60%$1k-24 Month CD
0.55%$1k-18 Month CD
0.50%$1k-12 Month CD
0.30%$1k-6 Month CD

Whatcom Educational Credit Union IRA Rates

1.50%$1k-60 Month IRA
1.00%$1k-48 Month IRA
0.70%$1k-36 Month IRA
0.65%$1k-30 Month IRA
0.60%$1k-24 Month IRA
0.55%$1k-18 Month IRA
0.50%$1k-12 Month IRA
0.30%$1k-6 Month IRA

Whatcom Educational Credit Union has 13 locations. Click to view all Whatcom Educational Credit Union locations.