Western Cooperative Credit Union

Rated star_ratedstar_ratedstar_rated_halfstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 2.5 out of 5

PO Box 2237, Williston, ND 58802-2237

Website

(701) 572-4000

Data Source: NCUA, December 31, 2016


Western Cooperative Credit Union was founded in 1938. Headquartered in Williston, North Dakota, Western Cooperative Credit Union is a state chartered and federally insured credit union, being chartered in North Dakota and insured through the National Credit Union Share Insurance Fund (NCUSIF). Western Cooperative Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Western Cooperative Credit Union services 19,744 members through its 7 offices and branches and 83 full-time and 14 part-time employees. It has $321,189,052 of total assets and $36,901,167 of net worth. Based on its asset size and net worth ratio, Western Cooperative Credit Union is classified as a Well Capitalized medium large credit union.

Western Cooperative Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Western Cooperative Credit Union also provides an array of services to its members and local communities. Western Cooperative Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Western Cooperative Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in North Dakota and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of North Dakota
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.0500
0.1000
0.1200
Money Market
0.0500
0.2290
0.2500
Certificate Deplit
0.2500
0.8050
0.5800
IRA
0.2000
0.7045
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of North Dakota
National Median Rates
Credit Cards
n/a
9.9500
9.9900
Unsecured Line of Credits
5.5900
9.7050
10.9500
Short-term Small Amount
n/a
25.0000
25.0000
Student Loans
n/a
6.1000
6.0200
New Car Loans
3.2100
3.2300
3.3300
Used Car Loans
3.5500
4.0000
4.5000
1st Mortgage Real Estates
5.1000
4.6000
4.2500
Other Real Estates
6.0400
5.0000
4.7000

Western Cooperative Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Western Cooperative Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
Yes
Account Balance Inquiry
Yes
No
No
View Account History
Yes
Yes

As a community financial institution, Western Cooperative Credit Union actively involves in local communities by prliding services such as first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
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Western Cooperative Credit Union
Main Office

1300 Bison Dr
Williston, ND 58801-3770
Phone:701-572-4000

Western Cooperative Credit Union
215 Washington Ave
Williston, ND 58801
Phone:701-572-4000

(701) 572-5897

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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