Credit union · NCUA insured
WECU
Top CarrotA $3.3B credit union, the 149th largest of 4,329, headquartered in Bellingham, WA, with 170,035 members and 11 branches in Washington. Best rates: CDs 4.65% and savings 0.50% APY.
WECU Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#1 of 18 in Bellingham, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WECU
WECU was founded in 1936 as the Bellingham Teacher’s Credit Union.
The credit union serves Whatcom County and the state of Washington.
- Headquarters
- 21 Bellwether Way Ste 111, Bellingham, WA 98225
- NCUA charter
- 66373
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington are eligible for membership.
Family and household
- Family members of individuals who live, work, worship, or attend school in Washington are eligible for membership.
Other ways
- Businesses that are majority-owned and operated within Washington are eligible for membership.
Branches
11 branches in Washington
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Washington
11 branches
Bellingham area · 9
- Fairhaven Branch1225 Harris Ave, Bellingham, WA 98225Directions
- Fountain Branch2625 Meridian St, Bellingham, WA 98225Directions
- Holly Branch600 E Holly St, Bellingham, WA 98225Directions
- Home Loan Center516 E Holly St, Bellingham, WA 98225Directions
- Sunset Branch3061 Orleans St, Bellingham, WA 98226Directions
- Blaine Branch1773 H St, Blaine, WA 98230Directions
- Everson Branch106 E Main St, Everson, WA 98247Directions
- Ferndale Branch5659 Barrett Rd, Ferndale, WA 98248Directions
- Lynden Branch2045 Front St, Lynden, WA 98264Directions
Mount Vernon area · 2
- Mount Vernon1835 Riverside Dr, Mount Vernon, WA 98273Directions
- Sedro-Woolley1102 State Route 20 Ste B, Sedro-Woolley, WA 98284Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.21% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.69% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.68% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalNet worth ratio11.21%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.69%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of WECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.