--- title: "Washington State Employees Credit Union Rates - Washington" description: "Current mortgage, auto loan, heloc, and savings & cd rates from Washington State Employees Credit Union in Washington. Updated daily with source verification. See who can join Washington State Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/washington-state-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Washington State Employees Credit Union Rates - Washington ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.990% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.125% | — | Standard | | **5/6 ARM** 5 1 arm | — APR | 6.500% | — | Context only | | **7/6 ARM** 7 1 arm | — APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.990% | — | Standard | | **15/1 ARM** arm | — APR | 7.750% | — | Standard | Washington State Employees Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **definition for Loan type : 2024 or newer New Auto Loans Loan type** auto_new | — APR | 5.300% | new | Standard | | **definition for Loan type : 2023 or older Used Auto Loans Loan type** auto_used | — APR | 5.830% | used | Standard | | **Classic 20 Years or older** auto_used | — APR | 7.080% | used | Standard | | **definition for Loan type : 2023 or older and 100,001 to 175,000 miles High Mileage Used Auto Loans Loan type** auto_used | — APR | 7.080% | used | Standard | Washington State Employees Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.740% | — | Standard | | **15-Year Home Equity Loan** heloc | — APR | 8.160% | — | Standard | | **10-Year Home Equity Loan** heloc | — APR | 8.310% | — | Standard | | **20-Year Home Equity Loan** heloc | — APR | 8.420% | — | Standard | | **Assumptions** heloc | — APR | 10.490% | — | Standard | Washington State Employees Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **6-Month Add-On Certificate** share_certificate_6mo | — APY | 3.25% | 6 mo | Standard | Washington State Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60% CLTV** other | — % | 6.740% | — | Standard | | **60.01% to 80% CLTV** other | — % | 7.500% | — | Standard | | **80.01% to 90% CLTV** other | — % | 9.750% | — | Standard | Washington State Employees Credit Union other rates as of November 12, 2026 Washington State Employees Credit Union is a credit union in Washington. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/washington-state-employees) , verified from [Washington State Employees Credit Union's official website](https://wsecu.org/) Loading branch locator… ## About Washington State Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 319.7K Assets $5.1B Founded 1957 Locations reported 25 NCUA charter 60042 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Evergreendirect** EvergreenDIRECT CU · Tumwater · WA · 98501-5290 About 1.9 miles away](https://rateapi.dev/credit-unions/washington/evergreendirect) [**Peak** TUMWATER · TUMWATER · WA · 98512 About 2.4 miles away](https://rateapi.dev/credit-unions/washington/peak) [**O Bee** TUMWATER · TUMWATER · WA · 98501-4023 About 2.5 miles away](https://rateapi.dev/credit-unions/washington/o-bee) [**America's Credit Union, A** Tumwater · Tumwater · WA · 98501-4414 About 2.6 miles away](https://rateapi.dev/credit-unions/washington/americas-credit-union-a) [**Olympia** Olympia · Olympia · WA · 98501-9315 About 4.4 miles away](https://rateapi.dev/credit-unions/washington/olympia) [**Harborstone** Olympia · Olympia · WA · 98501 About 4.5 miles away](https://rateapi.dev/credit-unions/washington/harborstone) 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 Washington State Employees Credit Union Membership eligibility from Washington State Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Washington State Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Location WA - School CWU, Evergreen, UW, WSU Verified from [Washington State Employees Credit Union's membership page](https://wsecu.org/about-us/join-wsecu) . Final membership determination is always made by the credit union. ## Membership rules for Washington State Employees Credit Union Geography 3 · Schools 4 · Family 8 published paths to membership, last verified August 27, 2026, quoted from Washington State Employees Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - WA “WSECU is committed to the financial success of everyone who calls Washington home. Originally founded to serve state employees, in 2013 we expanded our membership to anyone who lives, works, or worships in our great state.” > [source ↗](https://wsecu.org/about-us/join-wsecu) ### Schools 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of CWU “If you meet one of the requirements listed above, or you're a CWU, Evergreen, UW or WSU student, you're in!” > [source ↗](https://wsecu.org/about-us/join-wsecu) - Student at CWU - Student of Evergreen “If you meet one of the requirements listed above, or you're a CWU, Evergreen, UW or WSU student, you're in!” > [source ↗](https://wsecu.org/about-us/join-wsecu) - Student at Evergreen - Student of UW (as written on the source page) “If you meet one of the requirements listed above, or you're a CWU, Evergreen, UW or WSU student, you're in!” > [source ↗](https://wsecu.org/about-us/join-wsecu) - Student at UW - Student of WSU “If you meet one of the requirements listed above, or you're a CWU, Evergreen, UW or WSU student, you're in!” > [source ↗](https://wsecu.org/about-us/join-wsecu) - Student at WSU ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “If you're related to someone who's eligible for membership, you're eligible too!” > [source ↗](https://wsecu.org/about-us/join-wsecu) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Washington State Employees Credit Union? Yes No ## Work at Washington State Employees 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 Washington State Employees Credit Union ranks against Washington peers. - See which AI assistants fetched Washington State Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Washington - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=washington-state-employees&state=washington&code=WA&name=Washington%20State%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Washington State Employees Credit Union offer? Washington State Employees Credit Union currently offers mortgage, Auto loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Washington State Employees Credit Union rates updated? RateAPI verifies Washington State Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Washington State Employees Credit Union's rate data? Rate data is collected directly from Washington State Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Washington State Employees Credit Union? Washington State Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 3 geographic areas and 4 schools for Washington State Employees Credit Union, each quoted from Washington State Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Washington State Employees Credit Union's rates against national credit-union benchmarks. [More Washington credit unions](https://rateapi.dev/credit-unions/washington) [Washington mortgage rate leaders](https://rateapi.dev/mortgage-rates/washington) [Washington auto loan rate leaders](https://rateapi.dev/auto-loan-rates/washington) [Washington HELOC rate leaders](https://rateapi.dev/heloc-rates/washington) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://wsecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Washington State Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Washington credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Washington State Employees Credit Union curl "https://api.rateapi.dev/credit-unions/washington /washington-state-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Washington State Employees Credit Union locations Search, filter, and browse all 25 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/washington/washington-state-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp