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Whatcom Educational Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 9, 2026
Whatcom Educational Credit Union's top rates as of October 9, 2026 are 3.50% APY on its 6 month IRA CD, 7.00% APY on savings, 2.00% APY on money market accounts, 7.00% APY on checking, 6.00% on its 7-Year Jumbo ARM mortgage, personal loans from 8.99% APR, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other Whatcom Educational Credit Union CD rates include 6 Month Savings CDs at 3.50%, 6 Month Savings CDs at 3.35%, and Savings CDs - 6 month add-on at 3.35%. Other Whatcom Educational Credit Union mortgage rates include 7-Year ARM at 6.00%, VA 15-Year Fixed at 6.25%, and Jumbo 15-Year Fixed at 6.75%. 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 10/09/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Whatcom Educational Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.66%
ExcellentLower than avg
Whatcom Educational Credit Union Texas Ratio
Whatcom Educational Credit Union's Texas Ratio is 4.66%, which is considered excellent and is lower than the national average of 6.13%.
Whatcom Educational Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.86% to 4.66% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
No change since Sep 22, 2026 · 2.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
Whatcom Educational Credit Union Savings Rates
Product
Rate
APY
View More
First Step (Youth) Savings
-
7.00%
Min Deposit$1
Details7.00% on first $500; Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
First Step Savings
-
7.00%
Min Deposit$1
Min Balance$500
DetailsAvailable for ages 0-19 years with a parent/guardian joint signer. Regular savings rate applies to balances above $500. Dividend rate of 0.25%, APY of 0.25%. APY is accurate as of June 22, 2023.
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 7.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
Stash (Emergency) Savings
-
6.00%
Min Deposit$1
Details6.00% on first $2500; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
Stash Savings
-
6.00%
Min Deposit$1
Min Balance$2,500
DetailsBalances over $2,500 will earn .01% APY on remaining balance. APY is accurate as of October 18, 2023.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 6.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
High Yield Plus Savings
-
2.50%
Min Deposit$1
DetailsBalance: $500,000.01+; with Spend Plus Checking APY: 3.50%; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
High Yield Plus Savings
-
2.25%
Min Deposit$1
DetailsBalance: $100,000.01-$500,000.00; with Spend Plus Checking APY: 3.00%; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
High Yield Plus Savings
-
2.00%
Min Deposit$1
DetailsBalance: $50,001.01-$100,000.00; with Spend Plus Checking APY: 2.75%; Dividends Compounded & Credited: Monthly; Dividend Period: Monthly
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
IRA Savings
0.50%
0.50%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
No change since Sep 18, 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
-
7.00%
Min Deposit$1
Min Balance$250
DetailsAvailable for ages 6-19 years with a parent/guardian joint signer. Remaining balance is non-dividend-bearing. No overdraft fees. No check writing. APY is accurate as of April 01, 2024
Last Updated10/09/2026
Rate History
No change since Oct 1, 2026 · 7.00% APY · checked 2 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
View More
7-Year Jumbo ARM
6.00%
0.750%
6.312%
7 years
DetailsAdditional APR listed for this product: 6.318%. Example Loan: $900,000; effective date: 10/9/2026
Last Updated10/09/2026
Rate History
3 changes since Sep 22, 2026 · 6.45% → 6.31% ▼ 0.13 pts · high 6.45% / low 6.28%
Oct 9, 20266.31%▲ from 6.28%
Oct 2, 20266.28%▼ from 6.29%
Oct 1, 20266.29%▼ from 6.45%
Sep 22, 20266.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
7-Year ARM
6.00%
0.750%
6.375%
7 years
DetailsAdditional APR listed for this product: 6.397%. Example Loan: $300,000; effective date: 10/9/2026
Last Updated10/09/2026
Rate History
3 changes since Sep 22, 2026 · 6.59% → 6.38% ▼ 0.21 pts · high 6.59% / low 6.36%
Oct 9, 20266.38%▲ from 6.36%
Oct 2, 20266.36%▼ from 6.36%
Oct 1, 20266.36%▼ from 6.59%
Sep 22, 20266.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
VA 15-Year Fixed
6.25%
0.250%
6.487%
15 years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.09% → 6.49% ▲ 0.40 pts · high 6.49% / low 6.09%
Oct 9, 20266.49%▲ from 6.09%
Sep 14, 20266.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
Jumbo 15-Year Fixed
6.75%
0.750%
6.936%
15 years
DetailsAdditional APR listed for this product: 6.947%. Example Loan: $900,000; effective date: 10/9/2026
Last Updated10/09/2026
Rate History
3 changes since Sep 22, 2026 · 6.61% → 6.94% ▲ 0.33 pts · high 6.98% / low 6.61%
Oct 9, 20266.94%▼ from 6.98%
Oct 2, 20266.98%▲ from 6.97%
Oct 1, 20266.97%▲ from 6.61%
Sep 22, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
15-Year Fixed
6.75%
0.625%
6.943%
15 years
DetailsAdditional APR listed for this product: 6.959%. Example Loan: $300,000; effective date: 10/9/2026
Last Updated10/09/2026
Rate History
2 changes since Oct 1, 2026 · 6.98% → 6.94% ▼ 0.04 pts · high 6.98% / low 6.94%
Oct 9, 20266.94%▼ from 6.98%
Oct 2, 20266.98%▲ from 6.98%
Oct 1, 20266.98%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
VA 30-Year Fixed
7.00%
0.375%
7.165%
30 years
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.88% → 7.17% ▲ 0.29 pts · high 7.17% / low 6.88%
Oct 9, 20267.17%▲ from 6.88%
Sep 14, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
Jumbo 30-Year Fixed
7.375%
0.750%
7.503%
30 years
DetailsAdditional APR listed for this product: 7.509%. Example Loan: $900,000; effective date: 10/9/2026
Last Updated10/09/2026
Rate History
2 changes since Sep 22, 2026 · 7.15% → 7.50% ▲ 0.36 pts · high 7.53% / low 7.15%
Oct 9, 20267.50%▼ from 7.53%
Oct 1, 20267.53%▲ from 7.15%
Sep 22, 20267.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
30-Year Fixed
7.375%
0.625%
7.51%
30 years
DetailsAdditional APR listed for this product: 7.513%. Example Loan: $300,000; effective date: 10/9/2026
Last Updated10/09/2026
Rate History
1 change since Oct 1, 2026 · 7.54% → 7.51% ▼ 0.03 pts · high 7.54% / low 7.51%
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
Spend Plus Rewards
-
-
8.00%
Min Deposit$1
Min Balance$5,000
DetailsQualifications Required: 20 Debit Card Transactions; enrollment in eStatements; direct deposit greater than $100 per month; Qualifying balance up to $5,000.00; 0.05% base APY plus additional 7.95% APY monthly for qualifying accounts with 20 Debit Card Transactions, enrollment in eStatements, and direct deposit greater than $100 per month. Non-qualifying accounts and balances over $5,000 will earn .05% APY. Fees could reduce earnings. APY is accurate as of 09/12/2023.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 8.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.66%
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.
Address
21 Bellwether Way Ste 111,
Bellingham, WA 98225
Phone800-525-8703
Fax360-756-7800
PresidentKurt Willis
CEOJennifer Kutcher
Full-Time Employees436
Part-Time Employees1
Branch Locations11
ATM Locations19
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
10
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
Q2 2026 MBR Health & Safety Badge
Whatcom Educational Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Whatcom Educational Credit Union
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.
Current Whatcom Educational Credit Union Rates
12-Month CD3.10%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD2.75%
Savings7.00%
MMA2.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
