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Account Type Standard Dividend Rate¹ Standard APY² Minimum Opening Balance Dividends Compounded & Credited Dividend Period³
First Step Savings⁴ 2.50% on first $500 2.50% on first $500 $1 Quarterly Quarterly
Savings 0.05% 0.05% $0 Quarterly Quarterly
Education Savings 0.05% 0.05% $0 Quarterly Quarterly
Health Savings 0.05% 0.05% $0 Quarterly Quarterly
IRA Savings 0.05% 0.05% $0 Quarterly Quarterly

¹Dividend Rate. See Truth-In-Savings. Fees may reduce earnings.
²Annual Percentage Yield (APY). See Truth-In-Savings. Fees may reduce earnings.
³Dividend Schedule. Length of term for dividend compounding, dividend crediting, and dividend period.
⁴First Step Savings is available for ages 0-19 years with a parent/guardian joint signer. It earns 2.50% APY on balances up to $500. Regular savings rate applies to balances above $500. No monthly fee or minimum balance. $1 to open. Limit one First Step Savings account per member.

The current rate, account terms and conditions, and fees applicable to your Savings and Checking Accounts with Whatcom Educational Credit Union (WECU) are a part of your Membership and Account Agreement.

The rates appearing in the above Schedule are accurate and effective for Savings and Checking Accounts as of the effective date. Fees could reduce earnings.

Effective 12/07/2020 | WECU/Farleigh Wada Witt©

Account Type Standard Dividend Rate¹ Standard APY² Minimum Opening Balance Minimum Daily Balance Dividend Schedule³ Monthly Fee
First Step Checking⁴ 2.50% on first $250 2.50% on first $250 $1 $0 - $0
Regular Checking Non-dividend-bearing Non-dividend-bearing $0 $0 - $0
Check Plus 0.05% 0.05% $0 $1,000 Monthly $5 if minimum balance is < $1,000
Money Market Checking ($0-$99,999) 0.05% 0.05% $0 $0 Monthly $0
Money Market Checking ($100,000+) 0.15% 0.15% $0 $0 Monthly $0
SafeCard Checking Non-dividend-bearing Non-dividend-bearing $0 $0 - $4

¹Dividend Rate. See Truth-In-Savings. Fees may reduce earnings.
²Annual Percentage Yield (APY). See Truth-In-Savings. Fees may reduce earnings.
³Dividend Schedule. Length of term for dividend compounding, dividend crediting, and dividend period.
⁴First Step Checking is available for ages 13-19 years with a parent/guardian joint signer. It earns 2.50% APY on balances up to $250. Remaining balance is non-dividend-bearing. $1 to open. No overdraft fees. No check writing. Limit one First Step Checking account per member.

The current rate, account terms and conditions, and fees applicable to your Checking Accounts with Whatcom Educational Credit Union (WECU) are a part of your Membership and Account Agreement. The rates appearing in the above Schedule are accurate and effective for Checking Accounts as of the effective date. Fees could reduce earnings.

Effective 12/07/2020 | WECU/Farleigh Wada Witt©

Certificate Term Dividend Rate¹ APY² Minimum Opening Balance Early Withdrawal Penalty
6 months 0.20% 0.20% $500 90 days' dividends
9 months 0.20% 0.20% $500 90 days' dividends
12 months 0.25% 0.25% $500 180 days' dividends
18 months 0.25% 0.25% $500 180 days' dividends
24 months 0.30% 0.30% $500 180 days' dividends
30 months 0.30% 0.30% $500 180 days' dividends
36 months 0.30% 0.30% $500 180 days' dividends
48 months 0.30% 0.30% $500 360 days' dividends
60 months 0.30% 0.30% $500 360 days' dividends

¹ Dividend Rate. See Truth-In-Savings. Fees could reduce earnings.
²Annual Percentage Yield. See Truth-In-Savings. Fees could reduce earnings.

The rates appearing in the Schedule above are accurate and effective for certificate accounts as of the Effective Date indicated. WECU may offer other rates on new certificates after the effective date, without notice. Penalties may be imposed for early withdrawals. If you have any questions or require current rate information on your accounts, please call WECU at 360-676-1168, toll-free 800-525-8703 or TTY 800-833-6388.

Effective 3/05/2021 | WECU

Certificate Term Dividend Rate¹ APY² Minimum Opening Balance Early Withdrawal Penalty
6 months 0.20% 0.20% $500 90 days' dividends
9 months 0.20% 0.20% $500 90 days' dividends
12 months 0.25% 0.25% $500 180 days' dividends
18 months 0.25% 0.25% $500 180 days' dividends
24 months 0.30% 0.30% $500 180 days' dividends
30 months 0.30% 0.30% $500 180 days' dividends
36 months 0.30% 0.30% $500 180 days' dividends
48 months 0.30% 0.30% $500 360 days' dividends
60 months 0.30% 0.30% $500 360 days' dividends

¹ Dividend Rate. See Truth-In-Savings. Fees could reduce earnings.
²Annual Percentage Yield. See Truth-In-Savings. Fees could reduce earnings.

The rates appearing in the Schedule above are accurate and effective for certificate accounts as of the Effective Date indicated. WECU may offer other rates on new certificates after the effective date, without notice. Penalties may be imposed for early withdrawals. If you have any questions or require current rate information on your accounts, please call WECU at 360-676-1168, toll-free 800-525-8703 or TTY 800-833-6388.

Effective 3/05/2021 | WECU

Loan Type Rate Points APR* Example Loan Estimated Monthly Payment
5 Year Fixed Rate 4.000% 0.000% 4.011% $50,000 $920.83
10 Year Fixed Rate 5.000% 0.000% 5.006% $50,000 $530.33
10 Year Balloon/30 Year Amortization 5.000% 0.000% 5.006% $50,000 $268.41
15 Year Fixed Rate 5.500% 0.000% 5.504% $50,000 $408.54
15 Year Balloon/30 Year Amortization 5.500% 0.000% 5.504% $50,000 $283.89
20 Year Fixed Rate 6.500% 0.000% 6.504% $50,000 $372.79
20 Year Balloon/30 Year Amortization 6.500% 0.000% 6.504% $50,000 $316.03

* Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral.
Interest rates, Annual Percentage Rate, and points shown are subject to change without notice.
Rates are owner-occupied, single-family refinance, assuming a maximum Loan-to-Value (LTV) or Combined Loan-to-Value (CLTV) of 80% or less.
Payment examples are principle and interest only and do not include amounts for taxes or insurance premiums. Actual payment may vary based on your specific situation.
Property insurance is required. Other restrictions may apply.
WECU may offer other loan rates and terms in the future.

Effective 11/2019.

Loan Type Rates APR* Repayment Terms
Home Equity Line of Credit (HELOC) 4.000% 4.003% 20 years

HELOC Fine Print

WECU’s Home Equity Lines of Credit (HELOC) are variable rate revolving loans secured by your home. The rate is based on the Wall Street Journal prime rate with a floor of 4.000% APR and a ceiling of 18.00% APR. 10 days prior to the end of each quarter, the rate is reviewed and updated effective at the beginning of the next quarter.

All terms, including fees and the APRs for new transactions may change after account opening in accordance with the agreement and applicable law. We do not charge annual maintenance fees. The line has a 10-year draw period followed by a 10-year repayment period. All loans are subject to approval.

*Annual Percentage Rate (APR) – The annual percentage rate is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. The rates shown are based on a $50,000 loan balance.

Visa Credit Cards

WECU’s Choice Visa is a great everyday card. You can earn cashback rewards on this and other WECU Visa cards, and transfer balances without a fee.

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Loan Type Rate Range (APR)*
Auto and Trucks 2.49% - 19.99%
Boats 6.74% - 16.24%
RVs 4.24% - 19.99%
Motorcycles 3.89% - 21.24%
Other Secured 7.99% - 18.49%

* Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, amount being financed, and, if applicable, age of collateral.

Subject to credit qualifications we will finance your purchase including tax, license, dealer options, warranty and insurance products. Some limitations may apply.

For a 6 year vehicle loan of $20,000 at 2.49%, your monthly payment would be $299.37.
For a 6 year vehicle loan of $20,000 at 19.99%, your monthly payment would be $482.96.

Loan amounts based on NADA book prices or dealer invoices for new vehicles, or watercraft.

WECU may offer other loan rates and terms in the future.

Full coverage insurance required.

Loan Type Rate Range (APR)* Repayment Terms
Personal Signature 3.99% - 19.99% up to 60 months
Personal Timeline 11.24% - 20.74% Revolving**
Savings Secured Fixed 4.00% up to 36 months
Savings Secured Fixed 5.00% up to 72 months
Savings Secured Fixed 6.00% up to 120 months
Savings Secured Variable 2.00% over savings rate up to 72 months
Certificate Secured 2.00% over certificate rate same as certificate
Other Secured Loans 7.99% - 18.49% up to 60 months

Notice: Repayment periods, conditions and rates are subject to change without notice.

*Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, amount being financed, and if applicable, age of collateral.

**Payments for Timelines are based on $3.00 per month for each $100.00 or portion of $100.00 of principal balance. Minimum payment is $50.00, to be determined after each advance.

For a 4 year savings/certificate secured loan of $10,000 at 5.00% your monthly payment would be $230.29.

Loan Type Rate Range Points Range APR* Range Example Loan Estimated Monthly Payment Range
5 Year Fixed Rate 7.25 - 8.25% 0.00 - 2.00% 8.240 - 8.407% $150,000 $2,987.90 - $3,059.44
5 Year Balloon w/ 30 Year Amortization 7.25 - 8.25% 0.00 - 2.00% 7.487 - 8.290% $150,000 $1,023.26 - $1,126.90
10 Year Fixed Rate 7.75 - 8.75% 0.00 - 2.00% 8.288 - 8.836% $150,000 $1,800.16 - $1,879.90
10 Year Balloon w/ 30 Year Amortization 7.75 - 8.75% 0.00 - 2.00% 7.995 - 8.791% $150,000 $1,074.62 - $1,180.05

* Annual Percentage Rate (APR). Your rate will be within the range disclosed above and is based on your credit history, term of the loan, and amount being financed.
Interest rates, Annual Percentage Rate, and points shown are subject to change without notice.
Maximum Loan-to-Value (LTV) 75%.
Payment examples are principle and interest only and do not include amounts for taxes or insurance premiums. Actual payment may vary based on your specific situation.
Loans are for Consumer use only, not for Commercial use (i.e. Agricultural, Logging, or other business).

Other restrictions may apply.
WECU may offer other loan rates and terms in the future.

Effective 11/2019.

Save your way.

Everybody’s different, so we offer a few different ways to save. Choose the one that’s right for you. Or visit us in person and we’ll figure it out together.

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Designed with you in mind.

With a WECU Business Checking account, you get the tools and access that you need to manage your money on your terms.

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Business Loans

Time is money. Because of that, you need partners that move at your speed – and your need. That’s why we put a premium on working with you and finding solutions that keep you on track.

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Business Visa

The WECU Business Visa is a great everyday card. It’s widely accepted anywhere in the US and you earn a 1% cashback reward on purchases, plus you can transfer balances without a fee.

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