☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Whatcom Educational Credit Union

iAdvertiser Disclosure

Whatcom Educational Credit Union Rates & Review November 2026

Q: What are the current interest rates at Whatcom Educational Credit Union?

Current rates for Whatcom Educational Credit Union include: 12-Month CD: 3.60%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 60-Month CD: 3.00%, Savings: 7.00%, MMA: 2.00%

Q: What CD terms does Whatcom Educational Credit Union offer?

Whatcom Educational Credit Union CD rates are 3.75% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Whatcom Educational Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Whatcom Educational Credit Union's Savings CD - 12 month rates are at 3.75%, Savings CD - 6 month rates are at 3.75%, Savings CD - 18 month rates are at 3.50%, Savings CD - 24 month rates are at 3.50%, Savings CD - 36 month rates are at 3.25%. Whatcom Educational Credit Union's savings rates are at 7.00%. Whatcom Educational Credit Union's money market rates are at 2.00%. Whatcom Educational Credit Union's checking rates are as high as 7.00%. Whatcom Educational Credit Union's Home Refinance - 7-Year Jumbo ARM rates are at 5.75%, Home Purchase - 7-Year Jumbo ARM rates are at 5.75%, Home Refinance - 7-Year ARM rates are at 5.75%, Home Purchase - 7-Year ARM rates are at 5.75%, VA 15-Year Fixed rates are at 6.12%. Whatcom Educational Credit Union's Personal Loan Rates are as low as 8.99%. Whatcom Educational Credit Union's Credit Card Rates are at 12.90%. Whatcom Educational Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 4.66%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Whatcom Educational Credit Union
Admin Building - 21 Bellwether Way

21 Bellwether Way Ste 111
Bellingham, WA 98225

https://www.wecu.com

Customer Reviews

Be the first to 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.

Whatcom Educational Credit Union CD Rates

Product	Rate	APY	Term
12 month IRA Certificate	3.70%	3.75%	12 month
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 19, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
6 month IRA Certificate	3.70%	3.75%	6 month
Min Deposit $500 Details Early Withdrawal Penalty: 90 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 19, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 12 month	3.70%	3.75%	12 months
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 19, 20263.75%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 6 month	3.70%	3.75%	6 months
Min Deposit $500 Details Early Withdrawal Penalty: 90 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 19, 20263.75%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 12 month add-on	3.55%	3.60%	12 months
Min Deposit $50 Details Add-on Certificate (Stash Certificate); Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10% Oct 19, 20263.60%▲ from 3.10% Oct 9, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 6 month add-on	3.55%	3.60%	6 months
Min Deposit $50 Details Add-on Certificate (Stash Certificate); Early Withdrawal Penalty: 90 days' dividends Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35% Oct 19, 20263.60%▲ from 3.35% Oct 9, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
18 month IRA Certificate	3.45%	3.50%	18 month
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 19, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
24 month IRA Certificate	3.45%	3.50%	24 month
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 19, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 18 month	3.45%	3.50%	18 months
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 19, 20263.50%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 24 month	3.45%	3.50%	24 months
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 19, 20263.50%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
36 month IRA Certificate	3.21%	3.25%	36 month
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 19, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 36 month	3.21%	3.25%	36 months
Min Deposit $500 Details Early Withdrawal Penalty: 180 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 19, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
48 month IRA Certificate	2.97%	3.00%	48 month
Min Deposit $500 Details Early Withdrawal Penalty: 360 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
60 month IRA Certificate	2.97%	3.00%	60 month
Min Deposit $500 Details Early Withdrawal Penalty: 360 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20263.00%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 48 month	2.97%	3.00%	48 months
Min Deposit $500 Details Early Withdrawal Penalty: 360 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Savings Certificate - 60 month	2.97%	3.00%	60 months
Min Deposit $500 Details Early Withdrawal Penalty: 360 days' dividends Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 19, 20263.00%▲ from 2.75% Sep 18, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Savings Rates

Product	Rate	APY
First Step (Youth) Savings	-	7.00%
Min Deposit $1 Min Balance $0 Details Ages: 0-19; Balance: first $500; Parent/guardian joint signer required; Dividend period: Quarterly; with Spend Plus Checking: n/a Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
First Step Savings	-	7.00%
Min Deposit $1 Min Balance $0 Details Ages: 0-19 with parent/guardian joint signer; Balance: $0.00 - $500.00; no monthly fee or minimum balance; dividends compound quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Stash (Emergency) Savings	-	6.00%
Min Deposit $1 Min Balance $0 Details Balance: first $2,500; Dividend period: Monthly; with Spend Plus Checking: n/a Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Stash Savings	-	6.00%
Min Deposit $1 Min Balance $0 Details Balance: $0.00 - $2,500.00; balances over $2,500 earn .01% APY on remaining balance; one Stash Savings account per member; Stash Savings helps members build a $2,500 emergency fund Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	3.50%
Min Deposit $1 Min Balance $500,000 Details Balance: $500,000.01 and over; Requires Spend Plus Checking; Dividend period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50% Oct 26, 20263.50%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	3.00%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.01-$500,000.00; Requires Spend Plus Checking; Dividend period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 3.00% ▲ 0.75 pts · high 3.00% / low 2.25% Oct 26, 20263.00%▲ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	2.75%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000.01-$100,000.00; Requires Spend Plus Checking; Dividend period: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.75% ▲ 0.75 pts · high 2.75% / low 2.00% Oct 26, 20262.75%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	2.50%
Min Deposit $1 Min Balance $500,000 Details Balance: $500,000.01 and over; Dividend period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	2.25%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.01-$500,000.00; Dividend period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	2.00%
Min Deposit $1 Min Balance $50,000 Details Balance: $50,000.01-$100,000.00; Dividend period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	0.50%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $50,000.00; Requires Spend Plus Checking; Dividend period: Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 0.01% → 0.50% ▲ 0.49 pts · high 0.50% / low 0.01% Oct 26, 20260.50%▲ from 0.01% Oct 13, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA Savings	0.50%	0.50%
Details Early Withdrawal Penalty: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Trust, Estate, IRA Savings	-	0.50%
Details Dividend period: Quarterly; with Spend Plus Checking: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Trust, Estate, or IRA Savings	-	0.50%
Details Dividends Quarterly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
First Step Savings	0.10%	0.10%
Min Deposit $1 Min Balance $500 Details Balance: $500.01 and over; regular savings rate for balances above $500; ages 0-19 with parent/guardian joint signer; dividend period quarterly, dividends compound quarterly Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 0.25% → 0.10% ▼ 0.15 pts · high 0.25% / low 0.10% Oct 29, 20260.10%▼ from 0.25% Oct 26, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Health Savings (HSA)	-	0.10%
Details Dividend period: Quarterly; with Spend Plus Checking: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Regular Savings	-	0.10%
Min Deposit $1 Details Dividend period: Quarterly; with Spend Plus Checking: n/a Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
High Yield Plus Savings	-	0.01%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $50,000.00; Dividend period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	2.00%
Min Balance $100,000 Details Balance: $100,000+; Dividend period: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Market	-	0.50%
Min Balance $0 Details Balance: $0-$99,999; Dividend period: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Checking Rates

Product	Rate	APY	View More
First Step Checking	6.78%	7.00%
Min Deposit $1 Min Balance $0 Details Qualifying Balance up to $250; Remaining balance is non-dividend-bearing; Age restrictions apply; available with parent/guardian joint signer; No monthly fee; Dividend Schedule: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Home Refinance - 7-Year Jumbo ARM	5.75%	0.875%	6.224%	7-Year
Details Example Loan: $900,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - 7-Year Jumbo ARM	5.75%	0.750%	6.23%
Details Example Loan: $900,000; Effective: 10/29/2026; Owner occupied, single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.32% → 6.23% ▼ 0.09 pts · high 6.32% / low 6.23% Oct 29, 20266.23%▲ from 6.23% Oct 26, 20266.23%▼ from 6.32% Oct 13, 20266.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Refinance - 7-Year ARM	5.75%	0.875%	6.299%	7-Year
Details Example Loan: $300,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - 7-Year ARM	5.75%	0.750%	6.319%
Details Example Loan: $300,000; Effective: 10/29/2026; Owner occupied, single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 3 changes since Oct 13, 2026 · 6.40% → 6.32% ▼ 0.08 pts · high 6.40% / low 6.30% Oct 29, 20266.32%▲ from 6.30% Oct 26, 20266.30%▼ from 6.33% Oct 19, 20266.33%▼ from 6.40% Oct 13, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
VA 15-Year Fixed	6.125%	0.000	6.322%
Details Rates are for owner occupied 1-4-unit purchase or refinance transactions; APR includes a 1% lender fee; Example loan $300,000,; effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.32% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Refinance - 15-Year Fixed	6.50%	0.875%	6.729%	15-Year
Details Example Loan: $300,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - 15-Year Fixed	6.50%	0.875%	6.745%
Details Example Loan: $300,000; Effective: 10/29/2026; Owner occupied, single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.96% → 6.75% ▼ 0.21 pts · high 6.96% / low 6.75% Oct 26, 20266.75%▼ from 6.85% Oct 19, 20266.85%▼ from 6.96% Oct 13, 20266.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Refinance - Jumbo 15-Year Fixed	6.625%	0.625%	6.79%	15-Year
Details Example Loan: $900,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - Jumbo 15-Year Fixed	6.625%	0.625%	6.80%
Details Example Loan: $900,000; Effective: 10/29/2026; Owner occupied, single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 6.95% → 6.80% ▼ 0.15 pts · high 6.95% / low 6.80% Oct 29, 20266.80%▼ from 6.82% Oct 26, 20266.82%▼ from 6.95% Oct 13, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
VA 30-Year Fixed	6.875%	0.000	7.002%
Details Rates are for owner occupied 1-4-unit purchase or refinance transactions; APR includes a 1% lender fee; Example loan $300,000,; effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - 30-Year Fixed	7.125%	0.875%	7.282%
Details Example Loan: $300,000; Effective: 10/29/2026; Owner occupied, single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 7.51% → 7.28% ▼ 0.23 pts · high 7.51% / low 7.28% Oct 26, 20267.28%▼ from 7.38% Oct 19, 20267.38%▼ from 7.51% Oct 13, 20267.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - Jumbo 30-Year Fixed	7.25%	0.625%	7.364%
Details Example Loan: $900,000; Effective: 10/29/2026; Owner occupied, single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 7.50% → 7.36% ▼ 0.14 pts · high 7.50% / low 7.27% Oct 29, 20267.36%▲ from 7.27% Oct 26, 20267.27%▼ from 7.50% Oct 13, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Refinance - Jumbo 30-Year Fixed	7.25%	0.750%	7.37%	30-Year
Details Example Loan: $900,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.37% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Refinance - 30-Year Fixed	7.25%	0.625%	7.374%	30-Year
Details Example Loan: $300,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.37% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Purchase - 30-Year Fixed Invest	7.875%	0.750%	8.001%
Details Investment property; Example Loan: $300,000; Effective: 10/29/2026; Single-family purchase, 25% down, 780 credit score Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 8.03% → 8.00% ▼ 0.03 pts · high 8.03% / low 7.98% Oct 26, 20268.00%▲ from 7.98% Oct 19, 20267.98%▼ from 8.03% Oct 13, 20268.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Refinance - 30-Year Fixed Invest	7.875%	0.875%	8.003%	30-Year
Details Investment property; Example Loan: $300,000; Effective: 10/29/2026; Single-family refinance of existing balance, 75% LTV, credit score 780 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Land and Lot Loan - 10 Year Fixed Rate	7.75%	0.00 - 2.00%	8.288%
Details Published APR range: 8.288 - 8.836%; Published rate range: 7.75 - 8.75%. Example loan $150,000; Maximum LTV 75%; Consumer use only Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - Fixed Rate Advance (Primary Residence)	6.75%	0.000	6.834%
Details Published APR range: 6.834% - 9.096%; Published rate range: 6.750% - 9.000%. Example Loan: $50,000; Effective: 10/29/2026; Rates subject to credit, occupancy, and combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Line of Credit - Variable Rate HELOC (Primary Residence)	6.75%	0.000	6.834%
Details Published APR range: 6.834% - 9.096%; Published rate range: 6.750% - 9.000%. Example Loan: $50,000; Monthly Payment: Interest Only; Effective: 10/29/2026; Rates subject to credit, occupancy, and combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.83% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Loan - 1-20 Year Fixed Rate (Primary Residence)	6.75%	0.000%	6.895%	1-20 years
Details Published APR range: 6.895% - 9.525%; Published rate range: 6.750% - 9.000%. Example Loan: $50,000; Example; Effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Oct 2, 2026 · 6.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Line of Credit - Fixed Rate Advance (Second Home)	7.75%	0.000	7.839%
Details Published APR range: 7.839% - 10.102%; Published rate range: 7.750% - 10.000%. Example Loan: $50,000; Effective: 10/29/2026; Rates subject to credit, occupancy, and combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Line of Credit - Variable Rate HELOC (Second Home)	7.75%	0.000	7.839%
Details Published APR range: 7.839% - 10.102%; Published rate range: 7.750% - 10.000%. Example Loan: $50,000; Monthly Payment: Interest Only; Effective: 10/29/2026; Rates subject to credit, occupancy, and combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Loan - 1-20 Year Fixed Rate (Second Home)	7.75%	0.000%	7.907%	1-20 years
Details Published APR range: 7.907% - 10.548%; Published rate range: 7.750% - 10.000%. Example Loan: $50,000; Example; Effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Oct 2, 2026 · 7.91% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Line of Credit - Fixed Rate Advance (Investment Home)	8.75%	0.000	8.845%
Details Published APR range: 8.845% - 11.108%; Published rate range: 8.750% - 11.000%. Example Loan: $50,000; Effective: 10/29/2026; Rates subject to credit, occupancy, and combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Line of Credit - Variable Rate HELOC (Investment Home)	8.75%	0.000	8.845%
Details Published APR range: 8.845% - 11.108%; Published rate range: 8.750% - 11.000%. Example Loan: $50,000; Monthly Payment: Interest Only; Effective: 10/29/2026; Rates subject to credit, occupancy, and combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Loan - 1-20 Year Fixed Rate (Investment Home)	8.75%	0.000%	8.919%	1-20 years
Details Published APR range: 8.919% - 11.571%; Published rate range: 8.750% - 11.000%. Example Loan: $50,000; Example; Effective 10/29/2026 Last Updated 10/29/2026 Rate History No change since Oct 2, 2026 · 8.92% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto and Trucks	-	-	4.34%
Details As Low As; Rate range: 4.34% - 23.99% APR; Annual Percentage Rate for new and used cars Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 4.34% ▼ 0.65 pts · high 4.99% / low 4.34% Sep 18, 20264.34%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Vehicle Loans - Auto and Trucks	-	-	4.34%
Details Rate range (APR): 4.34% - 23.99%; rate within range based on credit history, loan term, amount financed, and age of collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Vehicle Loans - RVs	-	-	7.24%
Details Rate range (APR): 7.24% - 15.74%; rate within range based on credit history, loan term, amount financed, and age of collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Vehicle Loans - Motorcycles	-	-	7.49%
Details Rate range (APR): 7.49% - 20.49%; rate within range based on credit history, loan term, amount financed, and age of collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Vehicle Loans - Boats	-	-	8.24%
Details Rate range (APR): 8.24% - 19.99%; rate within range based on credit history, loan term, amount financed, and age of collateral Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
RVs Loan	-	7.24%
Details Rate range: 7.24% - 15.74% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Motorcycles Loan	-	7.49%
Details Rate range: 7.49% - 20.49% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Boats Loan	-	8.24%
Details Rate range: 8.24% - 19.99% APR Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Credit Card Rates

Product	Rate	APR	View More
First Step Visa	-	12.90%
Details Ages 15 to 19; Maximum limit of $300; 1% cash back reward on purchases; Must attend educational class on credit cards to apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Signature Loan	8.99%	up to 60 months
Details As Low As; Rate Range (APR): 8.99% - 24.99% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

Whatcom Educational Credit Union Other Rates

Product	Rate	Points	APY/APR
Land and Lot Loan - 10 Year Balloon w/ 30 Year Amortization	7.75%	0.00 - 2.00%	7.995%
Details Published APR range: 7.995 - 8.791%; Published rate range: 7.75 - 8.75%. Example loan $150,000; Maximum LTV 75%; Consumer use only Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Land and Lot Loan - 5 Year Balloon w/ 30 Year Amortization	7.25%	0.00 - 2.00%	7.487%
Details Published APR range: 7.487 - 8.290%; Published rate range: 7.25 - 8.25%. Example loan $150,000; Maximum LTV 75%; Consumer use only Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Land and Lot Loan - 5 Year Fixed Rate	7.25%	0.00 - 2.00%	8.24%
Details Published APR range: 8.240 - 8.407%; Published rate range: 7.25 - 8.25%. Example loan $150,000; Maximum LTV 75%; Consumer use only Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Spend Plus Rewards	-	-	8.00%
Min Deposit $1 Details Qualifications Required; Balance: $0.00 - $5,000.00; Minimum age 18; Monthly fee $0 with direct deposit Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

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

Whatcom Educational Credit Union’s Texas Ratio rose from 0.86% in Q3 2023 to 4.66% 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	$3.4B	4.66%	5.0	A+
March 31, 2026	$3.3B	4.70%	5.0	A+
December 31, 2025	$3.3B	4.94%	5.0	A+
September 30, 2025	$3.1B	4.69%	5.0	A+
June 30, 2025	$3.1B	4.80%	5.0	A+
March 31, 2025	$3.0B	4.16%	5.0	A+
December 31, 2024	$3.0B	3.03%	5.0	A+
September 30, 2024	$2.9B	2.86%	5.0	A+
June 30, 2024	$2.8B	2.00%	5.0	A+
March 31, 2024	$2.8B	1.72%	5.0	A+
December 31, 2023	$2.8B	1.73%	5.0	A+
September 30, 2023	$2.8B	0.86%	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 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 Kurt Willis

CEO Jennifer Kutcher

Full-Time Employees 436

Part-Time Employees 1

Branch Locations 11

ATM Locations 19

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.66%

Return on Assets (ROA)

0.3359%

Return on Equity (ROE)

2.9951%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

3,397,531,520

Total Amount of Shares and Deposits

2,749,398,577

Total Shares and Deposits < 1 Year

2,692,089,726

Total Shares and Deposits 1 3 Years

52,598,435

Total Shares and Deposits > 3 Years

4,710,416

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

330,039,098

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

330,039,098

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

2,419,359,479

Total Interest Expense (Sum of items 6 8)

31,947,133

Share Certificates

12,967

Number of Accounts for Share Drafts

105,987

IRA KEOGH Accounts

3,455

Number of Accounts for Regular Shares

144,980

All other shares

2,009

Non Member Deposits

Money Market Shares

919

Net Income (unless the amount is already included in Undivided Earnings)

11,411,353

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)

236,669,082

Total Liabilities

3,020,247,518

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Whatcom Educational 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/whatcom-educational-credit-union-rates-review-66373">
  <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

There are no reviews for Whatcom Educational Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Whatcom Educational Credit Union

Frequently Asked Questions About Whatcom Educational Credit Union

Does Whatcom Educational Credit Union offer CDs?

Yes. Whatcom Educational Credit Union current CD rates include its Savings CD - 12 month at 3.75% APY, its Savings CD - 6 month at 3.75% APY and its Savings CD - 18 month at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Whatcom Educational Credit Union NCUA insured?

Yes. Whatcom Educational Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Whatcom Educational Credit Union?

The highest Whatcom Educational Credit Union CD rate is its 12 month IRA CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Whatcom Educational Credit Union offer?

Whatcom Educational Credit Union CD rates are 3.75% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Whatcom Educational Credit Union for its full lineup.

What is the highest savings rate at Whatcom Educational Credit Union?

The highest Whatcom Educational Credit Union savings rate is its High Yield Plus Savings at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Whatcom Educational Credit Union?

The highest Whatcom Educational Credit Union money market rate is its Money Market at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Whatcom Educational Credit Union?

The lowest Whatcom Educational Credit Union 30 year fixed mortgage rate is its VA 30-Year Fixed at 6.875%, verified by MonitorBankRates as of October 29, 2026. Whatcom Educational Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.50% for a 15 year mortgage, 7.75% for a 10 year mortgage and 5.75% for a 7 year mortgage.

What is the lowest auto loan rate at Whatcom Educational Credit Union?

The lowest Whatcom Educational Credit Union auto loan rate is its Auto and Trucks at 4.34% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Whatcom Educational Credit Union?

The lowest Whatcom Educational Credit Union personal loan rate is its Personal Signature Loan at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Whatcom Educational Credit Union?

The lowest Whatcom Educational Credit Union credit card APR is its First Step Visa Credit Card at 12.90% APR, verified by MonitorBankRates as of October 29, 2026.

How 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.

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 Whatcom Educational Credit Union rates compare?

Whatcom Educational Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. Whatcom Educational Credit Union's top rates are its 12 month IRA CD at 3.75% APY, its First Step (Youth) Savings at 7.00% APY, its Money Market at 2.00% APY, its First Step Checking at 7.00% APY, its Home Refinance - 7-Year Jumbo ARM at 5.75%, its Personal Signature Loan at 8.99% APR and its First Step Visa Credit Card at 12.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Whatcom Educational Credit Union Rates

12-Month CD3.60%
18-Month CD3.50%
24-Month CD3.50%
60-Month CD3.00%
Savings7.00%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Whatcom Educational Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Whatcom Educational Credit Union Texas Ratio

Whatcom Educational Credit Union Health Trend

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 RV, Boat and Powersport Loan Rates

Whatcom Educational Credit Union Credit Card Rates

Whatcom Educational Credit Union Personal Loan Rates

Whatcom Educational Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Whatcom Educational Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Whatcom Educational Credit Union

Does Whatcom Educational Credit Union offer CDs?

Are CDs from Whatcom Educational Credit Union NCUA insured?

What is the highest CD rate at Whatcom Educational Credit Union?

What CD terms does Whatcom Educational Credit Union offer?

What is the highest savings rate at Whatcom Educational Credit Union?

What is the highest money market rate at Whatcom Educational Credit Union?

What is the lowest 30 year fixed mortgage rate at Whatcom Educational Credit Union?

What is the lowest auto loan rate at Whatcom Educational Credit Union?

What is the lowest personal loan rate at Whatcom Educational Credit Union?

What is the lowest credit card APR at Whatcom Educational Credit Union?

How many branches does Whatcom Educational Credit Union operate?

Is a member application needed to join Whatcom Educational Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Whatcom Educational Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

How do Whatcom Educational Credit Union rates compare?

Current Whatcom Educational Credit Union Rates

Compare to Other Credit Unions