Whatcom Educational Credit Union
Verified rate book
Current Whatcom Educational Credit Union rates
32 published offers verified as of August 4, 2026.
Mortgage rates
26 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VA 30-Year Fixed30 year fixed | 6.375% APR | 6.375% | — | Standard |
| VA 30-Year Fixed30 year fixed | 6.508% APR | 6.375% | — | Standard |
| Jumbo 30-Year Fixed30 year fixed | 6.625% APR | 6.625% | — | Standard |
| 30-Year Fixed30 year fixed | 6.625% APR | 6.625% | — | Standard |
| Jumbo 30-Year Fixed30 year fixed | 6.768% APR | 6.625% | — | Standard |
| 30-Year Fixed30 year fixed | 6.775% APR | 6.625% | — | Standard |
| 30-Year Fixed Invest30 year fixed | 7.250% APR | 7.250% | — | Standard |
| 30-Year Fixed Invest30 year fixed | 7.384% APR | 7.250% | — | Standard |
| VA 15-Year Fixed15 year fixed | 5.625% APR | 5.625% | — | Standard |
| 15-Year Fixed15 year fixed | 5.875% APR | 5.875% | — | Standard |
| Jumbo 15-Year Fixed15 year fixed | 6.000% APR | 6.000% | — | Standard |
| 15-Year Fixed15 year fixed | 6.131% APR | 5.875% | — | Standard |
| Jumbo 15-Year Fixed15 year fixed | 6.188% APR | 6.000% | — | Standard |
| 7/1 ARM7 1 arm | 5.875% APR | 5.875% | — | Standard |
| Jumbo 7/1 ARM7 1 arm | 5.875% APR | 5.875% | — | Standard |
| Jumbo 7/1 ARM7 1 arm | 6.160% APR | 5.875% | — | Standard |
| 7/1 ARM7 1 arm | 6.250% APR | 5.875% | — | Standard |
| 1-20 Year Fixed Rate (Primary Residence)20 year fixed | 6.500% APR | 6.500% | — | Standard |
| 1-20 Year Fixed Rate (Second Home)20 year fixed | 7.500% APR | 7.500% | — | Standard |
| 1-20 Year Fixed Rate (Investment Home)20 year fixed | 8.500% APR | 8.500% | — | Standard |
| Fixed Rate Advance (Primary Residence)other | 7.500% APR | 6.500% | — | Standard |
| Fixed Rate Advance (Second Home)other | 8.500% APR | 7.500% | — | Standard |
| Fixed Rate Advance (Investment Home)other | 8.500% APR | 8.500% | — | Standard |
| VA 30-Year Fixed, Refinance30 year fixed | 6.375% APR | 6.375% | — | Standard |
| VA 30-Year Fixed, Refinance30 year fixed | 6.508% APR | 6.375% | — | Standard |
| VA 15-Year Fixed, Refinance15 year fixed | 5.625% APR | 5.625% | — | Standard |
Auto & vehicle rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.990% APR | 4.990% | — | Standard |
HELOC rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.643% APR | 6.643% | — | Standard |
| Variable Rate HELOC (Primary Residence)heloc_variable | 7.500% APR | 6.500% | — | Standard |
| Variable Rate HELOC (Investment Home)heloc_variable | 8.500% APR | 8.500% | — | Standard |
| Variable Rate HELOC (Second Home)heloc_variable | 8.500% APR | 7.500% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 8.990% APR | 8.990% | — | Standard |
As of August 4, 2026, Whatcom Educational Credit Union offers a 30-year fixed mortgage at 6.375% APR (0.125 points). Auto loans available from 4.99% APR. HELOC rates from 6.643% APR. Personal loan rates from 8.99% APR.
Source: RateAPI.dev, verified from Whatcom Educational Credit Union's official website
Loading branch locator…
About Whatcom Educational Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 170K
- Assets
- $3.3B
- Founded
- 1936
- Locations reported
- 12
- NCUA charter
- 66373
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Whatcom Educational Credit Union
Membership eligibility from Whatcom Educational Credit Union's own published criteria. How we verify this.
Membership criteria are published on Whatcom Educational Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Whatcom Educational Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Whatcom Educational Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Whatcom Educational Credit Union ranks against Washington peers.
Frequently Asked Questions
What rates does Whatcom Educational Credit Union offer?
Whatcom Educational Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Whatcom Educational Credit Union rates updated?
RateAPI verifies Whatcom Educational Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Whatcom Educational Credit Union's rate data?
Rate data is collected directly from Whatcom Educational Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Whatcom Educational Credit Union's mortgage rate?
As of August 4, 2026, Whatcom Educational Credit Union offers a 30-year fixed mortgage at 6.375% APR.
What are Whatcom Educational Credit Union's auto loan rates?
As of August 4, 2026, Whatcom Educational Credit Union offers auto loans from 4.99% APR.
What is Whatcom Educational Credit Union's HELOC rate?
As of August 4, 2026, Whatcom Educational Credit Union offers home equity lines of credit from 6.643% APR.
What is Whatcom Educational Credit Union's personal loan rate?
As of August 4, 2026, Whatcom Educational Credit Union offers personal loans from 8.99% APR.
Related Rate Data
Compare Whatcom Educational Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Whatcom Educational Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Washington credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Whatcom Educational Credit Union
curl "https://api.rateapi.dev/credit-unions/washington/whatcom-educational" \
-H "Authorization: Bearer YOUR_API_KEY"