Whatcom Educational Credit Union

  • +1

A short history of Whatcom Educational CU

Since its inception in 1936 the Whatcom Educational Credit Union has been serving its members in the BELLINGHAM, Washington area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jennifer Kutcher, the Whatcom Educational CU has grown its membership to over 89,992 with assets of more than $1,447,266,756. They have a main office and 12 branch offices. Please see the credit unions website or contact them by phone at (360) 676-1168 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in BELLINGHAM, WA.

General Information For Whatcom Educational CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 66373
Address PO BOX 9750 
State Washington 
Zip-Code 98227
Phone Number (360) 676-1168
Fax Number (360) 733-5443
Email Address: none
CEO/President Jennifer Kutcher
Members 89,992 
Full-Time Employees 301 
Part-Time Employees 39 
Number of Branch Offices 12 
Total Assets 1,447,266,756 
Website http://www.wecu.com 

Compare Whatcom Educational Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
North Coast CU Ferndale Branch 5657 Riverside Dr 98225 (360) 380-3194 No 0.12
Industrial Cu Of Whatcom County CU State Street 1100 N State St 98227 (360) 734-2043 No 0.96
Westedge CU WestEdge FCU 2501 James St 98225 (360) 734-5790 No 1.04
Puget Sound Refinery CU Corporate Office 12275 Bartholomew Rd 98221 (360) 293-4862 No 19.94
Tesoro Northwest CU Tesoro Northwest Federal Credit union 12543 Christianson Rd 98221 (360) 293-5451 No 20.93

Whatcom Educational Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Whatcom Educational Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.90 3.74 3.69 4.14 4.57
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 242 169 162 177
Rank Among All Washington Credit Unions 52 34 17 25 14

Whatcom Educational Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.42 0.25 0.70 0.43
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 73 105 224 238
Rank Among All Washington Credit Unions N/A 5 13 23 21
Whatcom Educational Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.90018,75731,679,344
All Other Unsecured Loans/Lines of Credit 8.9904,64713,166,534
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.7403,08689,410,610
Used Vehicle Loans 3.69016,656259,821,327
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.1403,246691,449,317
Total Other Real Estate Loans/Lines of Credit 4.57097429,334,584
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.89073611,043,563
TOTAL LOANS & LEASES 48,1021,125,905,279

Whatcom Educational Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1,938394,281,07829176,511,246
    b. 15 Years or less 70985,299,6568820,197,327
    a. > 15 years 5834,190,694914,570,670
    b. 15 Years or less 235146,593,5363011,490,779
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 30631,084,35313211,422,190
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1966,927,326401,790,710
Closed-End Adjustable Rate 64,866,77800
Open-End Adjustable Rate 77217,540,4803937,064,796
Open-End Fixed Rate 0000
TOTALS 4,220720,783,901983143,047,718


Interest Only & Payment Option 1st Mortgage Loans 7742,262837,107
Interest Only & Payment Option Other RE/LOC Loans 6111,019153,736
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Whatcom Educational Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes