Checking
Get paid, move money, pay bills, and manage all your everyday banking needs.
Get 8.00% APY§
With Spend Plus Rewards Checking, you get early payday, member rewards, ATM refunds and more!◊
Great rates, low fees
When you’re thinking about your next big money decision – building credit, buying a car or house, or consolidating debt – you can count on WECU for competitive rates, low fees, and expert advice.
See All Rates
Grow your child’s savings
Open First Step accounts for your child and they'll earn 7.00% APY on combined balances up to $750.**
Get Rewarded
WECU Lux Visa
Earn 3x rewards on dining, entertainment, home improvement, and streaming services.1
Get 0% Intro APR for 12 Months on purchases.2
Earn 25K Bonus Points when you spend $2500 in the first 90 days.3
Center Stage
Carl's Mower and Saw
In this installment of Center Stage, we share the story of Carl's Mower & Saw. Carl started his business in 1990 with a simple idea - provide great products and take care of the customer. Over the years, he and his team have done just that, which has proven to be the formula for his success.
Quick and No Risk
Prequalify today!
Prequalify for a personal loan, auto loan, or credit card in minutes, with no impact to your credit score!†
Member Benefits
Early Payday
Get your paycheck up to two days earlier†† with a WECU checking account. You’ve earned it.
Get Banking On-The-Go
Members love WECU Mobile
Download our 4.8-star app‡ today to check balances, move money, and deposit checks anytime, anywhere. Learn more
Board Governance
WECU is seeking new Board and Supervisory Committee members! Apply by September 15.
Learn More >
Business Update from Kent Bouma, Vice President of Business Banking
Despite the rising interest rates and uncertain economic forecasts, we’ve observed the resilience of the small businesses in our community. Many of our members are displaying positive signs of growth, expansion, and hiring.
Read More >
WECU Community Events
Refer to our events calendar to locate WECU sponsored events in Skagit and Whatcom counties. Stop by and say hello!
Learn More >§APY = Annual percentage yield. 8.00% APY on balances up to $5,000; .05% base APY plus additional 7.95% APY monthly for qualifying accounts with 20 Debit Card Transactions, enrollment in eStatements, and direct deposit greater than $100 per month. Non-qualifying accounts and balances over $5,000 will earn .05% APY. Minimum opening deposit of $1 is required. Monthly fee is waived with direct deposit greater than $100 per month; otherwise account is $5 per month. Fees could reduce earnings. APY is accurate as of 09/12/2023.
◊Offer is available for a limited time to qualifying individuals who have not been a member in the last twelve (12) months. Requirements to receive the $250 bonus: open a new Spend Plus Checking account, set up and receive a direct deposit of $100 or more into that new account within sixty (60) days of account opening. Bonus will be deposited into the account on day 61, if requirements are met. You are responsible for any taxes due on the value of the bonus offer. We will report the bonus to tax authorities as required. Please consult a tax advisor, WECU does not provide tax advice. Only tax-reporting account owners are eligible. Foreign members without tax identification numbers are not eligible. One bonus per person. Offer expires December 31, 2023. WECU may change or discontinue this offer without notice.
*APR = Annual Percentage Rate
**APY = Annual percentage yield. An opening deposit of $1 or more is required. First Step Savings is available for ages 0-19 years with a parent/guardian joint signer. It earns 7.00% APY on balances up to $500. Regular savings rate applies to balances above $500. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. $1 to open. First Step Checking is available for ages 6-19 years with a parent/guardian joint signer. It earns 7.00% APY on balances up to $250. Remaining balance is non-dividend-bearing. $1 to open. No overdraft fees. No check writing. First Step Savings and Checking APY is accurate as of February 16, 2023.
13x rewards points applies to Dining, Entertainment, Home Improvement, and Streaming purchases. All other categories receive 1x rewards points.
20% Intro APR for 12 months on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. 12-month period ends after 12 statement cycles. After 12 months, variable rate of 19.15% APR – 26.15% APR will apply, depending on creditworthiness. Rates and terms subject to change at any time without notice.
3To receive 25,000 bonus points, you must spend $2,500 on your WECU Lux Visa in the first 90 days.
† Information contained in your credit report will be used to qualify you for an offer. An offer is not guaranteed. Loan approval is subject to verification of income, debt-to-income ratio, credit information, and application information needed to meet the minimum requirements established for the offer.
†† Early access to automatic deposits depends on the day the money is sent. WECU deposits the funds on the business day the payment is received, which may be up to 2 days earlier than the scheduled payment date
‡ WECU Mobile is rated 4.8 in the Apple App Store and 4.6 in Google Play, as of April 2023.