Credit union · NCUA insured
WSECU
A $5.1B credit union, the 86th largest of 4,329, headquartered in Olympia, WA, with 319,691 members and 25 branches in Washington. Best rates: CDs 3.30% and savings 0.79% APY.
WSECU Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#36 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WSECU
Founded in 1957 and headquartered in Olympia, Washington, Washington State Employees Credit Union is a member-owned credit union.
It operates 25 branches across Washington and is a certified SBA lender providing small business loans.
- Headquarters
- 330 Union Ave SE, Olympia, WA 98501
- NCUA charter
- 60042
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, or worships in Washington State is eligible for membership.
Military, government and schools
- Students at Central Washington University (CWU), The Evergreen State College, University of Washington (UW), or Washington State University (WSU) are eligible for membership.
Family and household
- Anyone related to someone who is eligible for membership is eligible to join.
Branches
25 branches in Washington
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Washington
25 branches
Seattle area · 8
- Bellevue155 108th Ave NE Ste 100, Columbia West Building, Bellevue, WA 98004Directions
- Everett404 128th St SW, Everett, WA 98204Directions
- Federal Way Dash Point34024 Hoyt Rd SW Ste H, Federal Way, WA 98023Directions
- Lakewood9540 Bridgeport Way SW, Lakewood, WA 98499Directions
- Puyallup South Hill17526 Meridian E Ste C106, Puyallup, WA 98375Directions
- Seattle Fairview1500 Fairview Ave E Ste 100, Seattle, WA 98102Directions
- Seattle University1121 NE 45th St, Suite 100, Seattle, WA 98105Directions
- Tacoma James6909 S 19th St Ste 23-A, Tacoma, WA 98466Directions
Olympia area · 7
- Olympia - Main Office/Hq2Main office330 Union Ave SE, Olympia, WA 98501Directions
- Hawks Prairie2390 Marvin Rd NE, Suite K, Lacey, WA 98516Directions
- Lacey Credit Union Center4540 6th Ave SE, Lacey, WA 98503Directions
- Olympia Martin Way4245 Martin Way E, Olympia, WA 98516Directions
- Olympia Westside2006 Harrison Ave NW, Olympia, WA 98502Directions
- Tumwater Town Center100 71st Ave SW, Tumwater, WA 98501Directions
- Tumwater Trosper575 Trosper Rd SW Ste 104, Tumwater, WA 98512Directions
Spokane area · 4
- Medical Lake205 E Highway 902 Ste 205, Medical Lake, WA 99022Directions
- Spokane2523 W Northwest Blvd, Spokane, WA 99205Directions
- Spokane Division6301 N Division St, Spokane, WA 99208Directions
- Spokane Valley5211 E Sprague Ave, Spokane Valley, WA 99212Directions
Pullman area · 2
- Pullman Bishop405 SE Bishop Blvd, Pullman, WA 99163Directions
- Pullman Cub1500 NE Terrell Mall, Pullman, WA 99164Directions
Yakima area · 2
- State Highway - Union Gap2632 Rudkin Rd, Union Gap, WA 98903Directions
- Yakima1400 Lakeside Ct Ste 101, Yakima, WA 98902Directions
Centralia area · 1
- Chehalis1725 NW Louisiana Ave, Chehalis, WA 98532Directions
Ellensburg area · 1
- Ellensburg100 N Main St, Ellensburg, WA 98926Directions
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 | 9.89% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.80% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $86 | $88 | — |
- CapitalNet worth ratio9.89%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.80%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$86Peers’ 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 WSECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.