NCUA Insured
Member-Owned
2 charter
Established in 1936
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Bellingham, WA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1936
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Bellingham and serves members in the WA area. Currently serving 169,630 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
3.24%Used Auto Loan
6.99%Personal Loan
12.00%Credit Card APR
12.90%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.
Lowest rates currently reported by credit unions in WA (NCUA Q4 2025).
North Bend, WA
Longview, WA
Spokane Valley, WA
Cheney, WA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
2.9
12 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsIllumination Expedition
3 months ago
Needed some basic assistance with my mother’s business account app and information for her. Upon arriving we were told it couldn’t be done by an elder lady at the desk. Shortly after, the Meridian St Location assisted us with exactly what this one said they couldn’t do. Will definitely stick to the meridian location.
Matthew Partna
4 years ago
Beware... This credit union does not seem to work for their customers. In fact, it seems as though they care more about their relationship with the car dealerships than the people who get loans from them. I purchased a car back in May from a dealership that was a total disaster. Long story short, the dealership sold me a car with scratched off VIN numbers and a title in limbo. I pleaded with the credit union for help as I was making payments on a car that I couldn't drive because I did not have license plates and expire temporary's. The car dealership set up this loan with this bank, and from conversations with the car dealership, they were hostile and knew I was in contact with the bank and eluded to the fact that they are in bed with the bank. At this point that seems to be true. After 45 days of no license plates, or the bank even having a title, the bank continued to keep me at bay by acting like they were doing something. After many conversations with multiple agencies and attorney's for advice, everyone believed it very odd that the bank would want to continue to carry a loan on a car that had scratched off VIN numbers and theft history with allegedly after market parts. I even talked to another bank (who will remain nameless) that said they would have forced the dealership to unwind the deal and give me my down payment money back if title had not been produced in 45 days, which is the allegedly legal amount of time the dealership has to provide title. Instead of doing what the bank should've done from the very beginning, it seems abundantly clear that they are in bed with the more than shady used car dealership, and saw it fit that I go all the way from May to September without the use of the car. I now have a car that I purchased at fair market value that has theft history, evidence of after market parts (likely from the time it was stolen), scratched off VIN, etc. The next time I get a loan, Whatcom Educational Credit Union will be the last credit union I look to. Just know, this credit union cares more about the relationship with dealerships than the customers who take out the loan. Thanks Whatcom Credit Union for NOT stepping up to the plate and doing the right thing. You know you had the power to solve this situation.
Johnny Bloxom
3 years ago
Natalie Boatman was absolutely amazing and went above and beyond to help me with a situation that I was not able to fix on my own. It wasn't even her job and she took ownership and got it handled super quick and efficiently.
d
4 years ago
I've been with the whatcom educational credit Union for 37 years and they have had the best customer service of any bank I have ever dealt with I highly recommend them.
J
3 years ago
ATM didn’t work late night. Didn’t want to read my card or work past the main screen of images. Waste of my time. Too many issues with this credit union!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(800) 525-8703Website
Visit WebsiteMembers
169,630
Total Assets
$3.3B
Year Opened
1936
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile