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 Whatcom Educational Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Whatcom Educational Credit Union's 6 month IRA CD rates are at 3.50%, 6 month rates are at 3.50%, 6 month add-on rates are at 3.35%, 12 month IRA CD rates are at 3.25%, 12 month rates are at 3.25%. Whatcom Educational Credit Union's savings rates are at 0.01%. Whatcom Educational Credit Union's money market rates are at 0.50%. Whatcom Educational Credit Union's VA 15-Year Fixed Purchase rates are at 5.50%, VA 15-Year Fixed Refinance rates are at 5.50%, Jumbo 15-Year Fixed rates are at 5.88%, Jumbo 15-Year Fixed rates are at 5.88%, 15-Year Fixed rates are at 5.88%. Whatcom Educational Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Whatcom Educational Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.69%. Rates last updated and verified on 08/28/2026. Whatcom Educational Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Whatcom Educational Credit Union? Share your experience about Whatcom Educational Credit Union by leaving a review below, or read customer reviews before you decide to use Whatcom Educational Credit Union. Whatcom Educational Credit Union
Admin Building 21 Bellwether Way 21 Bellwether Way Ste 111
https://www.wecu.com Bellingham, WA 98225 
Whatcom Educational Credit Union CD Rates
Whatcom Educational Credit Union Savings Rates
Whatcom Educational Credit Union Money Market Rates
Whatcom Educational Credit Union Checking Rates
Whatcom Educational Credit Union Mortgage Rates
Whatcom Educational Credit Union Home Equity & HELOC
Whatcom Educational Credit Union Auto Loan Rates
Whatcom Educational Credit Union Credit Card Rates
Whatcom Educational Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Whatcom Educational Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Whatcom Educational Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Whatcom Educational Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Whatcom Educational Credit Union
Website
https://www.wecu.com
Address
21 Bellwether Way Ste 111,
Bellingham, WA 98225
Phone
800-525-8703
Fax
360-756-7800
President
Gabriel Mast
CEO
Jennifer Kutcher
Full-Time Employees
427
Part-Time Employees
4
Branch Locations
11
ATM Locations
20
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.69%
Return on Assets (ROA)
0.3337%
Return on Equity (ROE)
2.8562%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
3,138,826,391
Total Amount of Shares and Deposits
2,564,796,505
Total Shares and Deposits < 1 Year
2,455,665,888
Total Shares and Deposits 1 3 Years
104,679,019
Total Shares and Deposits > 3 Years
4,451,598
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
298,908,665
Total Uninsured Shares and Deposits > $250K (F+J)
298,908,665
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,265,887,840
Total Interest Expense (Sum of items 6 8)
44,726,545
Share Certificates
12,889
Number of Accounts for Share Drafts
101,840
IRA KEOGH Accounts
3,403
Number of Accounts for Regular Shares
139,434
All other shares
2,071
Non Member Deposits
4
Money Market Shares
987
Net Income (unless the amount is already included in Undivided Earnings)
10,473,833
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
244,910,265
Total Liabilities
2,775,425,296
Source: NCUA — Last Updated 09/30/2025
Customer ReviewsUVSf
December 17, 2025
CttR
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Frequently Asked Questions About Whatcom Educational Credit UnionHow many branches does Whatcom Educational Credit Union operate?Whatcom Educational Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Whatcom Educational Credit Union?Yes, to access services at Whatcom Educational Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Whatcom Educational Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Whatcom Educational Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Whatcom Educational Credit Union offer online and mobile banking?Most modern institutions like Whatcom Educational Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wecu.com. Current Whatcom Educational Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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