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Wescom Central Credit Union

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Wescom Central Credit Union Rates & Review November 2026

Item: Wescom Central Credit Union
Rating: 5
Author: r.ofer

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Wescom Central Credit Union's 15 Year Fixed rates are at 6.62%, Jumbo Fixed 30-Year rates are at 7.12%, 30 Year Fixed rates are at 7.25%. Wescom Central Credit Union's mortgage rates are in line with the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Wescom Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.66%. Rates last updated and verified on 10/29/2026.

Wescom Central 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 Wescom Central Credit Union? Share your experience about Wescom Central Credit Union by leaving a review below, or read customer reviews before you decide to use Wescom Central Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wescom Central Credit Union
Pasadena

123 S Marengo Ave
Pasadena, CA 91101

https://www.wescom.org

Customer Reviews

5.0 ★ 1 review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Wescom Central Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed	6.625%	0	6.703%	15 years
Details Loan amount From $50K to $832,750; Conforming Fixed Rate Mortgage; Rates based on purchase transaction, minimum 640 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.45% → 6.70% ▲ 0.25 pts · high 7.20% / low 6.45% Oct 29, 20266.70%▼ from 6.83% Oct 19, 20266.83%▼ from 7.07% Oct 9, 20267.07%▼ from 7.20% Oct 2, 20267.20%▲ from 7.07% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
Jumbo Fixed 30-Year	7.125%	0	7.168%	30-Year
Details Loan amount: $832,751 - $5,000,000; Assumptions: 660 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 7.03% → 7.17% ▲ 0.13 pts · high 7.42% / low 7.03% Oct 19, 20267.17%▼ from 7.42% Oct 13, 20267.42%▲ from 7.03% Sep 18, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%
30 Year Fixed	7.25%	0	7.299%	30 years
Details Loan amount From $50K to $832,750; ** purchase transaction, minimum 640 FICO, primary occupancy, 60% LTV/CLTV, 1-unit single family residence Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 7.04% → 7.30% ▲ 0.26 pts · high 7.68% / low 7.04% Oct 19, 20267.30%▼ from 7.55% Oct 9, 20267.55%▼ from 7.68% Oct 2, 20267.68%▲ from 7.55% Oct 1, 20267.55%▲ from 7.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.66%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Wescom Central Credit Union’s Texas Ratio rose from 0.93% in Q3 2023 to 2.66% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.6B	2.66%	5.0	A+
March 31, 2026	$6.5B	2.35%	5.0	A+
December 31, 2025	$6.3B	2.49%	5.0	A+
September 30, 2025	$6.4B	2.06%	5.0	A+
June 30, 2025	$6.5B	1.86%	5.0	A+
March 31, 2025	$6.5B	1.39%	5.0	A+
December 31, 2024	$6.3B	2.18%	5.0	A+
September 30, 2024	$6.4B	1.65%	5.0	A+
June 30, 2024	$6.5B	1.89%	5.0	A+
March 31, 2024	$6.2B	1.25%	5.0	A+
December 31, 2023	$5.8B	1.15%	5.0	A+
September 30, 2023	$5.9B	0.93%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Wescom Central 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 Wescom Central 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 Wescom Central Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Wescom Central Credit Union

Website https://www.wescom.org

Address 123 S Marengo Ave, Pasadena, CA 91101

Phone 888-493-7266

Fax

President Hani Bhimji

CEO Darren Williams

Full-Time Employees 839

Part-Time Employees 15

Branch Locations 30

ATM Locations 30

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.66%

Return on Assets (ROA)

0.2345%

Return on Equity (ROE)

2.9666%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

6,600,264,904

Total Amount of Shares and Deposits

4,346,904,003

Total Shares and Deposits < 1 Year

4,195,558,145

Total Shares and Deposits 1 3 Years

117,242,443

Total Shares and Deposits > 3 Years

34,103,416

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

269,774,853

Total Uninsured Shares and Deposits > $250K (F+J)

444,524,853

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,902,379,150

Total Interest Expense (Sum of items 6 8)

47,997,611

Share Certificates

25,303

Number of Accounts for Share Drafts

232,075

IRA KEOGH Accounts

12,486

Number of Accounts for Regular Shares

328,417

Non Member Deposits

Money Market Shares

27,893

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)

199,245,141

Total Liabilities

6,225,644,493

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Wescom Central Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/wescom-central-credit-union-rates-review-66703">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

r.ofer

★★★★★

July 8, 2026

great service

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Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Wescom Central Credit Union

Frequently Asked Questions About Wescom Central Credit Union

What is the lowest 30 year fixed mortgage rate at Wescom Central Credit Union?

The lowest Wescom Central Credit Union 30 year fixed mortgage rate is its Jumbo Fixed 30-Year at 7.125%, verified by MonitorBankRates as of October 29, 2026. Wescom Central Credit Union mortgage rates are 7.25% for a 30 year mortgage and 6.625% for a 15 year mortgage.

How many branches does Wescom Central Credit Union operate?

Wescom Central 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 Wescom Central Credit Union?

Yes, to access services at Wescom Central 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, Wescom Central 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, Wescom Central Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Wescom Central Credit Union offer online and mobile banking?

Most modern institutions like Wescom Central 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.wescom.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Wescom Central Credit Union rates compare?

Wescom Central Credit Union's mortgage rates are in line with the MonitorBankRates national average, and it has an A+ health rating. Wescom Central Credit Union's top rate is its 15 Year Fixed at 6.625%, verified by MonitorBankRates on October 29, 2026.