What are the current interest rates at Western Cooperative Credit Union?

Current rates for Western Cooperative Credit Union include: 12-Month CD: 2.25%, 24-Month CD: 2.50%

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Western Cooperative Credit Union

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Western Cooperative Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Western Cooperative Credit Union's 7 Month New Special CD rates are at 3.50%, 13 Month New Special CD rates are at 3.00%, 24 Month CD rates are at 2.50%, 12 Month CD rates are at 2.25%. Western Cooperative Credit Union's Auto Loan Rates are as low as 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 6.83%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.83%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Western Cooperative Credit Union
Western Cooperative Credit Union

1300 Bison Dr
Williston, ND 58801-3770

https://www.wccu.org

Western Cooperative Credit Union CD Rates

Product	Rate	APY	Term
7 Month New Special CD	3.47%	3.50%	7 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
13 Month New Special CD	3.00%	3.00%	13 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
24 Month CD	2.50%	2.50%	24 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
12 Month CD	2.25%	2.25%	12 Month
Min Deposit $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Western Cooperative Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.45%	3-Year
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Auto Loan	-	-	4.60%	4-Year
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Auto Loan	-	-	4.75%	5-Year
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Auto Loan	-	-	4.95%	6-Year
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

Western Cooperative Credit Union Other Rates

Product	Rate	Points	APY/APR
First Freedom	0.25%	-	0.25%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
First Freedom	0.50%	-	0.50%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
First Freedom	1.00%	-	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
First Freedom	1.24%	-	1.25%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
First Freedom	1.49%	-	1.50%
Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
First Freedom	1.74%	-	1.75%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
First Freedom	2.23%	-	2.25%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and Greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%
Kasasa Cash Checking	-	-	4.50%
Min Deposit $0 Details Qualifications Required: Qualifications not met; 4.50% APY paid on balances up to $10,000.00; 0.05% APY paid even when qualifications aren't met. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.83%

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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Financial Health History

Western Cooperative Credit Union’s Texas Ratio rose from 1.99% in Q2 2023 to 6.83% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$522M	6.83%	5.0	A
December 31, 2025	$501M	7.07%	5.0	A
September 30, 2025	$498M	7.44%	5.0	A
June 30, 2025	$493M	10.22%	5.0	A
March 31, 2025	$500M	11.18%	5.0	A
December 31, 2024	$481M	10.47%	5.0	A
September 30, 2024	$461M	6.02%	5.0	A
June 30, 2024	$450M	1.17%	5.0	A+
March 31, 2024	$449M	1.04%	5.0	A+
December 31, 2023	$441M	1.74%	5.0	A+
September 30, 2023	$428M	2.50%	5.0	A+
June 30, 2023	$429M	1.99%	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 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 (97/100)

Texas Ratio

6.83%

Return on Assets (ROA)

0.3504%

Return on Equity (ROE)

2.5141%

Non-Performing Loans Ratio (NPL)

2.33%

Total Assets

521,508,316

Total Amount of Shares and Deposits

453,432,611

Total Shares and Deposits < 1 Year

453,324,987

Total Shares and Deposits 1 3 Years

107,624

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

86,374,283

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

86,374,283

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

367,058,328

Total Interest Expense (Sum of items 6 8)

817,752

Share Certificates

499

Number of Accounts for Share Drafts

13,146

IRA KEOGH Accounts

196

Number of Accounts for Regular Shares

29,333

All other shares

Money Market Shares

1,996

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

1,827,439

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)

70,337,294

Total Liabilities

456,095,879

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Western Cooperative 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 — no need to download or upload anything.

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

Customer Reviews

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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.