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Western Cooperative

PO Box 2237, Williston, ND 58802
NCUA Insured4.4 (19 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 2237

Williston, ND 58802

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(701) 572-4000

Service Area

This credit union is located in Williston and serves members in the ND area. Currently serving 18,169 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.68%

Used Auto Loan

6.19%

Personal Loan

10.33%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ND

Lowest rates currently reported by credit unions in ND (NCUA Q4 2025).

Affinity First— New Auto Loan

Minot, ND

1.95%
Dakota West— Used Auto Loan

Watford City, ND

4.69%
Dakota West— Personal Loan

Watford City, ND

3.49%
Dakota West— Credit Card APR

Watford City, ND

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

4.4

19 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
James Loomer

James Loomer

6 months ago

Fraud department is so good that not even I can spend $5 on my debit card. Glad to see they know how to keep their account holders safe. I didn't even want a checking account, three savings are good enough for me! 🥹

Dani Cutter

Dani Cutter

9 months ago

I can’t say enough good things about their loan department. I’ve had a few auto loans through them and everytime they are amazing to deal with. They even stayed after hours to make sure I was able to go and pick up my new car the same day!

Travis Joslin

Travis Joslin

4 years ago

Awesome bank an even better people. It's the best bank there is in my opinion. Very kind and helpful. Eddy and Barb are amazing people to work with an very good at what they do an will take care of you for sure.

Michaela Phillippe

Michaela Phillippe

a year ago

Fraud department is on point. This is my go to account for paying bills and online shopping. Only one unauthorized charge ever made it through and it was reimbursed within a week.

sharon westphal

sharon westphal

5 years ago

Been banking with them for years my husband has banked with them 40 plus years..few problems over the years nothing major...the people are friendly..Pat at the bison drive bank is always nice to see with a big smile and friendly greeting..thanks for a great job!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).