--- title: "Whatcom Educational Credit Union: #1 Mortgage in Washington" description: "Whatcom Educational Credit Union has the lowest tracked 30-year fixed mortgage rate in Washington (7.14% APR) among 7 credit unions we verify. Whatcom Educational Credit Union rates today: 30 year fixed mortgage 7.14% APR, HELOC from 7.75% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Whatcom Educational Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/washington/whatcom-educational" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Whatcom Educational Credit Union: #1 Mortgage in Washington ### Mortgage rates 22 offers | Product | Published | Rate | Term / condition | Status | | **VA 30-Year Fixed** 30 year fixed | — APR | 6.625% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | — APR | 7.000% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.136% APR | 7.000% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.143% APR | 7.000% | — | Standard | | **30-Year Fixed Invest** 30 year fixed | — APR | 7.750% | — | Standard | | **30-Year Fixed Invest** 30 year fixed | 7.901% APR | 7.750% | — | Standard | | **VA 15-Year Fixed** 15 year fixed | — APR | 6.000% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.375% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | — APR | 6.375% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 6.587% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.599% APR | 6.375% | — | Standard | | **Jumbo 7/1 ARM** 7 1 arm | — APR | 5.625% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 5.625% | — | Standard | | **Jumbo 7/1 ARM** 7 1 arm | 6.176% APR | 5.625% | — | Standard | | **7/1 ARM** 7 1 arm | 6.276% APR | 5.625% | — | Standard | | **1-20 Year Fixed Rate (Primary Residence)** 20 year fixed | — APR | 6.750% | — | Standard | | **1-20 Year Fixed Rate (Second Home)** 20 year fixed | — APR | 7.750% | — | Standard | | **1-20 Year Fixed Rate (Investment Home)** 20 year fixed | — APR | 8.750% | — | Standard | | **Fixed Rate Advance (Primary Residence)** other | 7.750% APR | 6.750% | — | Standard | | **Fixed Rate Advance (Second Home)** other | 8.750% APR | 7.750% | — | Standard | | **Fixed Rate Advance (Investment Home)** other | — APR | 8.750% | — | Standard | Whatcom Educational Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.340% | — | Standard | Whatcom Educational Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.834% | — | Standard | | **Variable Rate HELOC (Primary Residence)** heloc_variable | 7.750% APR | 6.750% | — | Standard | | **Variable Rate HELOC (Investment Home)** heloc_variable | — APR | 8.750% | — | Standard | | **Variable Rate HELOC (Second Home)** heloc_variable | 8.750% APR | 7.750% | — | Standard | Whatcom Educational Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 8.990% | — | Standard | Whatcom Educational Credit Union personal loan rates as of November 12, 2026 As of November 12, 2026, Whatcom Educational Credit Union offers a 30-year fixed mortgage at 7.136% APR. HELOC rates from 7.75% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/washington/whatcom-educational) , verified from [Whatcom Educational Credit Union's official website](https://www.wecu.com/) Best product position **#1 of 7** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **11 bp better than median** 30-year fixed mortgage Products ranked **3** across tracked Washington markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.14% | #1 of 7 · lowest in Washington | State market leader | 11 bp better than median | | HELOC | 7.75% | Room to improve vs. the Washington median | 22 bp from state best | 75 bp behind median | | 15-year fixed mortgage | 6.59% | #1 of 5 · lowest in Washington | State market leader | 4 bp behind median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Whatcom Educational Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=whatcom-educational&state=washington&code=WA&name=Whatcom%20Educational%20Credit%20Union) 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](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. [**Harborstone** Belligham · Bellingham · WA · 98225 About 0.9 miles away](https://rateapi.dev/credit-unions/washington/harborstone) [**North Coast** Bellingham Branch · Bellingham · WA · 98225-3113 About 1.0 miles away](https://rateapi.dev/credit-unions/washington/north-coast) [**Industrial CU of Whatcom County** Northwest Avenue · Bellingham · WA · 98225-1317 About 1.2 miles away](https://rateapi.dev/credit-unions/washington/industrial-cu-of-whatcom-county) [**Westedge** WestEdge FCU · Bellingham · WA · 98225-3529 About 1.9 miles away](https://rateapi.dev/credit-unions/washington/westedge) [**Boeing Employees** Bellingham Lakeway NFC · Bellingham · WA · 98229-2020 About 2.2 miles away](https://rateapi.dev/credit-unions/washington/boeing-employees) [**Puget Sound Refinery** Corporate Office · Anacortes · WA · 98221 About 20.4 miles away](https://rateapi.dev/credit-unions/washington/puget-sound-refinery) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Whatcom Educational Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer your business Verified from [Whatcom Educational Credit Union's membership page](https://www.wecu.com/about/) . Final membership determination is always made by the credit union. ## Membership rules for Whatcom Educational Credit Union Employers · Family 2 published paths to membership, last verified August 22, 2026, quoted from Whatcom Educational Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Employee of your business “Additionally, if your business is majority-owned and operated within the state, you are also eligible for membership.” > [source ↗](https://www.wecu.com/about/) - Employee of your business ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member “You and your family can become members” > [source ↗](https://www.wecu.com/about/) - 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 Whatcom Educational Credit Union? Yes No ## 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. - See which AI assistants fetched Whatcom Educational 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=whatcom-educational&state=washington&code=WA&name=Whatcom%20Educational%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 November 12, 2026, Whatcom Educational Credit Union offers a 30-year fixed mortgage at 7.136% APR. ### What is Whatcom Educational Credit Union's HELOC rate? As of November 12, 2026, Whatcom Educational Credit Union offers home equity lines of credit from 7.75% APR. ### Who can join Whatcom Educational Credit Union? Whatcom Educational Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 employer for Whatcom Educational Credit Union, each quoted from Whatcom Educational Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Whatcom Educational 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) [Washington personal loan leaders](https://rateapi.dev/personal-loan-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://www.wecu.com/) ### 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 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. 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 Whatcom Educational Credit Union curl "https://api.rateapi.dev/credit-unions/washington /whatcom-educational " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Whatcom Educational Credit Union locations Search, filter, and browse all 12 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/whatcom-educational Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp