Checking
Get paid, move money, pay bills, and manage all your everyday banking needs.
Give $50, Get $100
Tell a friend about WECU and you’ll BOTH be rewarded when they open a Spend Plus or Spend Free checking account!1
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
2026 Calendar Photo Contest
Submit Your Best Shot
We're looking for stunning photos that capture the beauty, heart, and spirit of our community. Whether it's a breathtaking landscape, a quiet moment, or local life in action, we want to see it through your lens. Submit your photo by August 31 for a chance to be featured in our 2026 calendar.
Save with Every Swipe
Save the Difference
Turn everyday spending into effortless savings. When you enroll in Save the Difference, your WECU debit card purchases are automatically rounded up to the nearest dollar. The difference from each transaction is then deposited into your WECU savings account. Enroll in online banking or chat with us.
Expert Insights
HELOCs and Home Equity
Explore how to unlock your home's equity with HELOCs and home equity loans in this special WECU Expert Insights episode. Learn from real estate experts Nick Borg and Michelle Clemens about smart financing strategies for renovations, plus get a look at local vendors from the Whatcom Home Show.
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 about online services
Member Calendar Photo Contest
WECU's annual member calendar photo contest is open for submissions! Every year WECU publishes a calendar that showcases this beautiful place through the eyes of our membership.
Member Calendar Photo Contest >
First Step Visa Seminar
The First Step Visa program allows young people to learn about maintaining good credit and avoiding bad debt. Join us on August 20.
Register Now >
WECU Events Calendar
We are proud to be active in our communities. Check out our events calendar to locate WECU sponsored events in Skagit and Whatcom counties.
See the Events Calendar >1See Terms and Conditions. Must meet eligibility requirements. Spend Plus or Spend Free Checking required. $1 minimum opening deposit. APY may vary, see Rate and Fee Schedule. Offer requirements must be fulfilled within 60 days of opening account. Reward will be paid after 60 days if offer requirements are met. Offer may change or discontinue at any time. This offer is not redeemable with any other new member offer.
*APR = Annual Percentage Rate
**Annual Percentage Yield (APY). See Truth-In-Savings and our Rate and Fee Schedule. Fees may reduce earnings. 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 rate of 0.25%, APY of 0.25%. Dividend Period for balances above $500 is quarterly and dividends compound quarterly. No monthly fee or minimum balance. $1 to open. APY is accurate as of April 01, 2024.
†† 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 4.7 in Google Play, as of December 2024.