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 Whatcom Educational Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: September 22, 2026
Whatcom Educational Credit Union's 6 Month CD rates are at 3.50%, 6 month IRA CD rates are at 3.50%, 6 Month Savings CDs rates are at 3.50%, 6 Month CD add-on rates are at 3.35%, 6 Month Savings CDs rates are at 3.35%. Whatcom Educational Credit Union's savings rates are at 0.01%. Whatcom Educational Credit Union's money market rates are at 0.50%. Whatcom Educational Credit Union's 7-Year Jumbo ARM rates are at 6.38%, 7-Year ARM rates are at 6.38%, Jumbo 15-Year Fixed rates are at 6.38%, Jumbo 30-Year Fixed rates are at 7.00%, 30-Year Fixed Invest rates are at 7.50%. 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%. 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 4.70%. Rates last updated and verified on 09/22/2026. 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
Admin Building - 21 Bellwether Way 21 Bellwether Way Ste 111
https://www.wecu.com Bellingham, WA 98225 
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
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Whatcom Educational Credit Union Other Rates
Financial Health HistoryWhatcom Educational Credit Union’s Texas Ratio rose from 0.97% in Q2 2023 to 4.70% 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. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
497
Part-Time Employees
1
Branch Locations
11
ATM Locations
19
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.70%
Return on Assets (ROA)
0.1429%
Return on Equity (ROE)
1.2705%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
3,328,846,265
Total Amount of Shares and Deposits
2,740,896,012
Total Shares and Deposits < 1 Year
2,671,053,700
Total Shares and Deposits 1 3 Years
64,983,037
Total Shares and Deposits > 3 Years
4,859,275
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
330,914,465
Total Uninsured Shares and Deposits > $250K (F+J)
330,914,465
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,409,981,547
Total Interest Expense (Sum of items 6 8)
15,715,606
Share Certificates
13,084
Number of Accounts for Share Drafts
104,622
IRA KEOGH Accounts
3,435
Number of Accounts for Regular Shares
143,120
All other shares
2,019
Non Member Deposits
9
Money Market Shares
935
Net Income (unless the amount is already included in Undivided Earnings)
4,756,230
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)
225,373,427
Total Liabilities
2,957,630,013
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Whatcom Educational Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Whatcom Educational Credit Union
Frequently Asked Questions About Whatcom Educational Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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