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Western Cooperative Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
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: May 10, 2026

Western Cooperative Credit Union's 7 Month rates are at 3.50%, 13 Month rates are at 3.00%, 24 Month rates are at 2.50%, 12 Month rates are at 2.25%. Western Cooperative Credit Union's Personal Loan Rates are at 4.45%. MonitorBankRates evaluates the financial stability of Western Cooperative Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.93%. Rates were last updated on 05/10/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.93%
Excellent Higher than avg
Western Cooperative Credit Union
Western Cooperative Credit Union
1300 Bison Dr
Williston, ND 58801 3770
https://www.wccu.org
Member NCUA

Western Cooperative Credit Union CD Rates

Product Rate APY Term View More
7 Month 3.47% 3.50% 7
Min Deposit $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
13 Month 3.00% 3.00% 13
Min Deposit $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
24 Month 2.50% 2.50% 24 Month
Min Deposit $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
12 Month 2.25% 2.25% 12 Month
Min Deposit $1,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%

Western Cooperative Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 4.45% 3-Year
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
Auto Loan - - 4.60% 4-Year
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
Auto Loan - - 4.75% 5-Year
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
Auto Loan - - 4.95% 6-Year
Details As Low As
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.93%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Western Cooperative 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 Western Cooperative 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 Western Cooperative Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Western Cooperative Credit Union
Website https://www.wccu.org
Address 1300 Bison Dr, Williston, ND 58801 3770
Phone 701-572-4000
Fax 701-572-5897
President Larry Novak
CEO Justin Maddison
Full-Time Employees 95
Part-Time Employees 7
Branch Locations 8
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.93%
Return on Assets (ROA)
0.9872%
Return on Equity (ROE)
7.1269%
Non-Performing Loans Ratio (NPL)
2.30%
Total Assets
497,796,023
Total Amount of Shares and Deposits
434,493,969
Total Shares and Deposits < 1 Year
434,493,969
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
80,797,561
Total Uninsured Shares and Deposits > $250K (F+J)
80,797,561
Total Insured Shares and Deposits > $250K (item 17 less item K)
353,696,408
Total Interest Expense (Sum of items 6 8)
2,620,227
Share Certificates
449
Number of Accounts for Share Drafts
13,104
IRA KEOGH Accounts
203
Number of Accounts for Regular Shares
29,495
All other shares
61
Money Market Shares
1,880
Net Income (unless the amount is already included in Undivided Earnings)
4,914,314
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
47,501,369
Total Liabilities
438,021,441
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Western Cooperative Credit Union earned the Verified Healthy badge

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Customer Reviews

There are no reviews for Western Cooperative Credit Union yet. Feel free to create one below.
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Average Rating
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Total Reviews
0
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Frequently Asked Questions About Western Cooperative Credit Union

How many branches does Western Cooperative Credit Union operate?

Western Cooperative 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 Western Cooperative Credit Union?

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

Does Western Cooperative Credit Union offer online and mobile banking?

Most modern institutions like Western Cooperative 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.wccu.org.

Current Western Cooperative Credit Union Rates

  • 12-Month CD2.25%
  • 24-Month CD2.50%
Retrieved from our database of financial products. Rates subject to change.

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